What must an insurer provide when a policy is denied in Ohio?

When an insurer denies a policy in Ohio, it is required to provide a written explanation for the denial. This requirement is in place to ensure transparency and give the policyholder a clear understanding of why their coverage request was denied. The written explanation serves as an official document that outlines the specific reasons for the denial, which is crucial for record-keeping and for policyholders to comprehend the circumstances surrounding the decision.

Providing a written explanation also allows policyholders to address the concerns or discrepancies highlighted by the insurer, potentially leading to a resolution or subsequent appeal if warranted. This practice aligns with consumer protection laws, emphasizing the importance of communication and fairness in the insurance industry.