--- date: 2026-01-23T17:40:16Z direction: inbound from: "Wilson, Barry " to: - "dan@gf.cx " cc: - "studio@audreylam.com " - "Guishard-Drummond, Taylor " subject: "RE: Status & Next Steps" in_reply_to: "6d6a16c4-4c37-4eda-8edb-0fc57de6b03c@app.fastmail.com" message_id: "DM6PR06MB6651B911F0C5E8D11F0E3D688894A@DM6PR06MB6651.namprd06.prod.outlook.com" attachments: - "toilet-example.png" - "CleanShot 2026-01-23 at 10.27.27@2x.png" --- [Liberty Mutual Insurance] Dear Mr. Sellars, Thank you for your email and for your patience while we reviewed your file. I’m sorry for any frustration this process has caused — I understand this is important to you and that the passage of time has made things more difficult. After reviewing the claim, I am in agreement with Taylor’s handling and we are not able to reassign the claim at this time. Because a significant amount of time has passed since the loss, it is more difficult to substantiate some of your requests. To move forward we will need clear, specific documentation for each item you want considered. In practical terms that means: * For items that show physical damage: photos that clearly show the item both present and damaged at the time of the loss. * For items that don’t show visible damage (for example mechanical items): a written explanation of the damage plus diagnostic support such as repair estimates, technician reports, or other professional documentation. * Purchase receipts, serial numbers, or other ownership documentation when available will also help our review. Please understand that we must evaluate each item based on the evidence provided, and we reserve the right to accept or deny items if the documentation does not support that they were damaged in the loss. I also want to be transparent that because of the delay, replacement costs in 2026 are higher than at the time of loss, and the policy does not automatically grant you today’s replacement value for items where the increased cost is due to the passage of time. That said, we made the decision to continue to consider items that can be adequately documented. We do understand that you have other compliant avenues that you can take should you choose to; however, we are confident in our review and in our messaging on coverage to you. Although I can understand that does make the process more difficult for you now in 2026, we will maintain that we require the support as requested by Taylor, on items that we cannot approve at this time. As additional support is submitted, we will continue to review and respond. Sincerely, 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 23, 2026 at 11:08 To: Wilson, Barry Cc: Audrey Lam , Guishard-Drummond, Taylor Subject: {EXTERNAL} Status & Next Steps Hi Barry, Just checking back in with the file. We appreciate the recent efforts on the file reassessing and approving log removal and electrical. I think you issued payment for that and it's getting sent to us via mail. I was previously keen to see if you had reallocated it to a PA specialist, and if not, do we have a clear path to establish the closing out of the property contents? I know we submitted pictures and video multiple times and gave your colleague the final list. It might be beneficial to review the approved items rather than focusing on the rejections. Using two of the property contents items as examples, we illustrate the toilet as "broken" from the supplied pictures, with a corresponding purchase invoice. The point for us was understanding do we need to flag the type of damage: bent, broken, water infusion, water damage, like the two dehumidifiers? [cid:17691816172610.903381612333756@content.messagingengine.com] [cid:17691820623680.3158629141832108@content.messagingengine.com] Let me know how you would like to proceed. Dan Sellars dan@gf.cx ----------------------- US +1 (212) 960 3201