Insurers are beginning to recognize delayed insight as its own class of loss.
The distinction matters because many modern observation contracts are not defeated by total absence. They are defeated by lateness. Data that arrives after a market window, response window, or review deadline may remain technically intact while having lost much of its intended value. Older claims language had trouble naming that condition cleanly.
Now that delayed insight is becoming a separate band, operators will have to get more precise about timing guarantees, not just capture guarantees.