--- date: 2026-01-27T13:18:54Z direction: inbound from: "Wilson, Barry " to: - "Guishard-Drummond, Taylor " - "dan@gf.cx " cc: - "studio@audreylam.com " subject: "RE: Re: Status & Next Steps" in_reply_to: "978cb699-903b-4e3f-a909-3ce5d5e9daf1@app.fastmail.com" message_id: "DM6PR06MB6651D78AA1C640829EAD07048890A@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 response. I believe my January 23, 2026 email addressed the concerns in your recent message and outlined the next steps in your claim. For clarity, neither Taylor nor I requested a sworn affidavit, and we are not requiring one. As outlined in my previous email, to reconsider any items, please provide clear, item-specific documentation: * For items with visible damage: photos that show the item present and damaged at the time of the loss. * For items without visible damage (for example, mechanical items): a written description of the damage plus diagnostic support such as repair estimates or technician reports. * When available, include purchase receipts, serial numbers, or other proof of ownership. We will evaluate each item based on the evidence you submit to determine whether it substantiates the claimed loss. Because significant time has passed, there is no guarantee that any document will result in coverage; delays (including if items were discarded without documentation) make substantiation more difficult. As stated previously, the policy does not automatically provide replacement cost at 2026 pricing. We have agreed to continue working with you within a reasonable framework: you must be able to (a) show the item was present at the time of the loss, and (b) show it was damaged by the loss. Items that do not meet these requirements cannot be approved. We will continue to review any new documentation you provide to us. Coverage for items will be based on the submission of the documentation you have to support each item and if support cannot be provided, coverage cannot be granted. 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 13:29 To: Wilson, Barry , Guishard-Drummond, Taylor Cc: Audrey Lam Subject: {EXTERNAL} Re: Status & Next Steps 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