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welcome in hello everyone my name is gordon fener and i am an attorney located in boston massachusetts with a satellite office in stoneham mass during the course of this informational video id like to focus on the non-waiver agreement or the non-waiver form in connection with homeowner insurance coverage and claims before i begin discussing the subject matter of this informational video id like to briefly summarize my background i have been in business as an attorney for more than 30 years providing legal services with a concentration in homeowner and or property related insurance claims prior to starting this office i work for approximately 20 years in the insurance claims industry this segment will supplement my prior segments concerning non-waiver agreements and reservation of rights letters in summary a non-waiver agreement is essentially an agreement that is entered into between you and the insurance company in which you and the insurance company agree that the insurance company