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[Music] welcome to the Lowenstein Sandler podcast series Im Kevin Iredell Chief marketing officer at Lowenstein Sandler before we begin please take a moment to subscribe to our podcast series at lowenstein.com podcast or find us on iTunes Spotify Pandora Google podcast and SoundCloud now lets take a listen thank you for joining us on dont take no for an answer Im your host Linda Bennett chair of Lowenstein Sandlers Insurance Recovery Group and today Im joined by my partner Eric Jesse welcome Eric thank you Linda good to be back so on todays episode were going to take a look at warranty letters which are sometimes used by insurers to require policyholders to make affirmative representations about the awareness of actual or potential risks we want to cover this today because policyholders really need to be careful in reviewing these documents before they sign them and dont fall into the Trap of believing that its just another form that has to be completed during The Binding or