It's easy to avoid an insurance claim if properly cook, chill and hold your food. Keep records. If you do this regularly, buy a thermometer with a data logger. Prove the mistake wasn't on your end if you have records.
I've done this a few times. I will usually cook in a foil pan and wrap, preserving all the juices. I separate the fat from the au jus and return it to the pan with the bird, over-wrap with foil after chilled. The pan juices keep the bird moist during reheat.
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