---
date: 2026-01-23T18:29:00Z
direction: outbound
from: "Dan Sellars <dan@gf.cx>"
to:
  - "Barry Wilson <Barry.Wilson@libertymutual.com>"
  - "Taylor Guishard-Drummond <Taylor.Guishard-Drummond@libertymutual.com>"
cc:
  - "Audrey Lam <studio@audreylam.com>"
subject: "Re: Status & Next Steps"
in_reply_to: "DM6PR06MB6651B911F0C5E8D11F0E3D688894A@DM6PR06MB6651.namprd06.prod.outlook.com"
message_id: "978cb699-903b-4e3f-a909-3ce5d5e9daf1@app.fastmail.com"
attachments:
  - "toilet-example.png"
  - "CleanShot 2026-01-23 at 10.27.27@2x.png"
---

Barry,

I am writing to formally document our concerns regarding the handling of our property claim and to request a clear path toward resolution.

Despite multiple follow-ups, no Liberty Mutual inspection occurred—neither immediately nor in the weeks and months following the event. We also did not receive written guidance outlining what documentation was required to move the claim forward, nor any correspondence identifying deficiencies preventing closure of the claim.

*As a result, we are now in the position—years later—of being asked to support the claim through sworn affidavits, sometimes without the benefit of extensive photographic or video evidence.* *Some of the damage involved concealed or progressive conditions (e.g., electrical and internal water damage) that were not readily visible at the time and were never professionally documented because no inspection was performed and no guidance was provided.*

To be clear, we understand the insurer’s need for evidence and the standard requirements of the claims process. The difficulty here is that the absence of an inspection, coupled with a lack of written direction at the time of loss, has materially* limited the evidence that could reasonably have been preserved*. More broadly, inconsistent communication and unclear expectations have marked the experience. This is not a matter of disagreement over coverage terms, but rather a concern about process, documentation, and follow-through.

At this stage, we are seeking:
 • Clear confirmation of what documentation is required to conclude the claim;
 • _Acknowledgment of the impact of the absence of an on-site inspection at the time of loss; _and
 • A reasonable, good-faith path to resolution based on sworn affidavid legal statements
We remain willing to cooperate fully and to provide sworn statements where appropriate. What we need in return is clarity, structure, and a defined next step toward settlement. Please respond in writing with your proposed path forward.

Sincerely,

Dan