Category: Uncategorized

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the reported damages are the result of settling occurring over an extended period, of time.

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PERILS INSURED AGAINST

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COVERAGE A – DWELLING and

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COVERAGE B – OTHER STRUCTURES

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We insure against risk of direct loss to property described in Coverages A and B only if that loss is a physical loss to property; however, we do not insure loss:

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1. Excluded under General Exclusions;
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2. Involving collapse, other than as provided in Other Coverages 5;
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3. Caused by:
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4. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a
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5. Fence, pavement, patio or swimming pool;
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6. Footing, foundation, bulkhead, wall, or any other structure or device that supports all or part of a building or other structure;
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7. Retaining wall or bulkhead that does not support all or part of a building or other structure; or
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8. Pier, wharf or dock;
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9. Theft of property not part of a covered residential property or structure;
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10. Theft in or to a dwelling or structure under construction;
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11. Wind, hail, ice, snow or sleet to:
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12. Outdoor radio and television antennas and aerials including their lead-in wiring, masts or towers; or
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13. Trees, shrubs, plants or lawns;
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14. Constant or repeated seepage or leakage of water or steam over a period of  weeks, months or years from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance;
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For purposes of this provision, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment;

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• Any of the following:
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• Wear and tear, marring, deterioration;
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• Inherent vice, latent defect, mechanical breakdown;
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• Smog, rust or other corrosion, fungi, mold, wet or dry rot.
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Fungi means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by-products produced or released by fungi;

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• Smoke from agricultural smudging or industrial operations;
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• Discharge, dispersal, seepage, migration release or escape of pollutants.
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Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed;

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• Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings; or
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• Birds, vermin, rodents, insects or domestic animals.
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Dear [Recipient’s Name],

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The assignment for Claim #[Claim Number] has been returned from the independent adjusting firm. At this time, there are no other independent adjusting firms available for selection.

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Please review the provided assignment and advise on the appropriate next steps. If further clarification or action is needed, kindly let us know how you would like to proceed.

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Looking forward to your guidance.

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Best regards,
[Your Name]
[Your Position]
[Your Contact Information]
[Your Company Name]

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Dear [Recipient’s Name],

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Please refer to the applicable policy language regarding [specific issue or claim]. The relevant provisions should outline the necessary terms and conditions governing this matter.

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Let us know if you need further clarification or assistance.

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Best regards,
[Your Name]
[Your Position]
[Your Contact Information]
[Your Company Name]

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Dear [Recipient’s Name],

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I hope you’re doing well.

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Please review the attached [document/report/issue] and advise on the necessary steps. If any action is required, kindly proceed accordingly.

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Should you require further clarification or additional information, please do not hesitate to reach out.

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Looking forward to your feedback.

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Best regards,
[Your Name]
[Your Position]
[Your Contact Information]
[Your Company Name]

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ISA return emailed PIB the CTR Estimate and the required docs for coverage.

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I hope you are doing well.

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We are reaching out regarding the technical report submitted for the recent [incident type] that occurred on [date of loss]. Upon review, we have found that the attached document does not comply with the necessary requirements. Specifically, it does not adequately address [briefly specify missing details, e.g., the cause of loss, supporting documentation, or analysis].

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To proceed, we kindly request a revised report that includes:

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• Cause of Loss: A detailed explanation based on findings.
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• Date of Incident: Precise information on the event timeline.
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• Comprehensive Assessment: Supporting evidence, expert evaluations, or relevant testing results.
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Please respond in the expected timeframe for submitting the revised report. If any further clarification is needed, do not hesitate to reach out.

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We appreciate your prompt attention to this matter and look forward to receiving the updated report..

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