What potential limitation must policyholders be informed of regarding surplus lines coverage?

Surplus lines coverage often involves risks that are not covered by standard insurance policies due to their unique or high-risk nature. As a result, policyholders must be made aware that claims may be more complicated to resolve. This complexity can arise from several factors, such as the insurer's willingness to pay out claims and the potential for disputes over coverage terms. Unlike standard policies, which are regulated and structured to provide clearer parameters around claims, surplus lines may lack such standardization, leading to unexpected challenges during the claims process. Understanding this limitation is essential for policyholders so they can gauge the risks involved and be better prepared for possible complications should they need to file a claim.