--- date: 2026-01-06T18:55:30Z direction: inbound from: "Wilson, Barry " to: - "Guishard-Drummond, Taylor " - "dan@gf.cx " cc: - "studio@audreylam.com " subject: "RE: Re: 046414618-01" in_reply_to: "6097ec09-b96e-4227-93e6-d91cc764d4b3@app.fastmail.com" message_id: "DM6PR06MB6651ABB3441316DBA6D9CA1C8887A@DM6PR06MB6651.namprd06.prod.outlook.com" attachments: - "image001.png" - "image002.png" - "image003.png" - "image004.png" - "image005.png" - "CleanShot 2026-01-02 at 16.30.41@2x.png" --- [Liberty Mutual Insurance] Dear Mr. Sellars, I have received your email and will review your claim with Taylor. We will work to provide you with an update before the end of the week or early next week at the latest. Thank you, Barry Wilson, MBA Claims Team Manager Property - Inside ───────────────────────────── Liberty Mutual Insurance I Safeco Insurance PO Box 5014 Scranton, PA 18505-5014 Direct Phone Number: (407) 871-4489 My FL License Number: W086771 Track your claim, anytime anywhere with your online account at LibertyMutual.com or Safeco.com For faster claims processing, we strongly encourage customers to file new claims online at Liberty Mutual or Safeco, and to monitor and manage their claims online at Libertymutual.com/online-claims or Safeco.com/online-claims. For the fastest service during normal business hours, we recommend utilizing our 2-way text program. Ask me how to sign up for our 2-way texting program [Liberty Mutual Insurance] Coverage provided and underwritten by Liberty Mutual Personal Insurance Company. Liberty Mutual Insurance Company, with a principal place of business at 175 Berkeley Street, Boston, MA 02116 USA ⓒ 2025 Liberty Mutual Insurance ________________________________ From: Dan Sellars Date: Friday, January 2, 2026 at 17:17 To: Guishard-Drummond, Taylor , Wilson, Barry Cc: Audrey Lam Subject: {EXTERNAL} Re: 046414618-01 Hi Barry, Recently, with Mrs Guishard-Drummond, who took over the case in October, we have provided an ongoing communication about property contents lists with the first submission dating back to 1st Dec 2025, and now that it's 2nd Jan 2026, we are only learning that you have issues with this property contents claim, citing lack of visible water damage. [cid:17673899761720.8060787006719505@content.messagingengine.com] * Our effort to furnish you with the correct evidence and support information is now 31 days & 6 submissions, where we tried to use every opportunity to seek greater clarification and helpful effort to help get a resolution. Only today have we received feedback on those pictures and evidence. However, before escalating this through the Pennsylvania Department of Insurance, I’d like to see whether reassignment to a Pennsylvania-based representative resolves these issues inline with Pennsylvania claim handling norms. * The challenge with this case was that Liberty Mutual rejected an inspection on-site, citing it was a small claim. We are using the original 2021 incident pictures. When you deemed no adjuster necessary, it makes closing out this case harder and more reliant on the inspection damage pictures we took. I'm a homeowner, not a professional insurance adjuster, and the lengths that we have to go to prove our damage and loss is challenging and difficult for us. It seems like the goalposts keep moving, that you'll ask for something when it could have easily been addressed up-front to back in 2021 and again, one month ago, when we re-opened this case to get closure. * As a example, we submitted a small cost ($297) to ensure the electrical supply shut-off complied with PA local and state building and electrical code. This cost was rejected as the invoice has the words, "dig a trench" so we reached out to the electricians to have to written explanation that an underground electrical feed has to be disconnected prior to removal. Asking the homeowner to pay out of pocket to have the structure electrically disconnected and made-safe. It's a responsible part of getting the shed ready for the replacement, which is a cost that is necessary. In rejecting and asking for greater clarification, it now takes extra work just to get your representative comfortable with the state electrical code. A local adjuster would know that safe handling of the electrical supply is necessary for compliance. This is just one example. If every aspect of the property claim follows this delay pattern, we are months away from a fair settlement and weeks of communication back and forth. * Given the delays, given the lack of original on-site inspection, and the Pennsylvania-specific nature of this loss, I’m requesting reassignment to a Pennsylvania-based claims professional familiar with local claim handling requirements Regards, Dan