Blog

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Status Update

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Pending Information:
– Insured: Prior Claim Information

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– From Carrier: Adjuster Report

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Status Update Summary

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Claim file pending Prior Claim Information due to Claim Number: 01995276 – Date Of Loss: 10/29/2020 – Status: Open , Same COL, ISA Emailed and Mailed Prior Claim Information Request

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Emails Checked: Yes – I Checked Emails No New Mail

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Xact Checked: Yes – I Checked Xact There is Est, Notes, Activates

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QA Approved Repair Estimate

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Pending:

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Prior Claim Information Received/Reviewed
Closing Report – Pends – Ready – Approved
Settlement Contact
Explanation of Benefits
Close Claim

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Follow-Up Date: 04/11/2025

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Date of loss verification:
On 01-07-2025 wind speeds/gusts reached 29 mph in 36613

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Prior Claim Search:
Iso – Previous Claims Located:

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*claim Number: 02070969 – Date Of Loss: 06/23/2021 – CWOP
*claim Number: 01995276 – Date Of Loss: 10/29/2020 – OPEN – Pends Review

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Ice – Coverage Has Been In Effect Since:

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2mr166694401 08-30-2023 08-30-2024
2mr166694400 08-30-2022 08-30-2023
2mr134239500 05-05-2022 05-05-2023

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Trackall – 05-05-2022 To 08-30-2025

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Cause of Loss Confirmation:
IA Photos Confirm Wind, Roof Leak, Old and New Water Damage

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Inspection Findings / Damages / Adjustments:
IA Photos Confirm Wind Damage to Dwelling Roof, Roof Leak Damage to Dwelling Roof, Old and New Water Damage to Dwelling Interior and Exterior

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Coverage Analysis / Theory of Coverage:
Wind is Not Excluded; Pending Prior Information

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Is There Subrogation Potential Known at This Time? Natural Occurrence: There is no subrogation potential as loss is the result of a Natural Occurrence

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Subrogation Referral Sent: No

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Payment(s): 
Summary for Building

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Replacement Cost Value $15,867.53
Less Depreciation (8,348.95)
Actual Cash Value $7,518.58
Less Deductible [Full Deductible = 16,534.00] (7,518.58)
Net Claim $0.00
Total Depreciation 8,348.95
Less Residual Deductible [Full Residual Deductible = 9,015.42] (8,348.95)
Total Recoverable Depreciation 0.00
Net Claim if Depreciation is Recovered $0.00

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Action Plan / Additional Comments / Notes: Prior Claim Information
Closing Report
Settle Contact
Close Claim
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00104802747
STATUS UPDATE

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Pends:
-Closing Report Approval
-Settlement Contact
-Explanation of Benefits
-Close Claim

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ISA FU Set: 04/11/2025

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Prior Claim InformationnClosing ReportnSettle ContactnClose Claim

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Status Update Summary

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Claim file pends prior claim information due to same COL, ISA emailed and mailed Prior Claim Information Request,

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Emails Checked: Yes – I Checked Emails No New Mail

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Xact Checked: Yes – I Checked Xact There is Est, Notes, Activates

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QA Approved Repair Estimate

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Pending:

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Closing Report -Pends – Ready
Settlement Contact
Explanation of Benefits
Close Claim

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Follow-Up Date: 04/10/2025

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Date of loss verification:
On 01-27-2025 wind speeds/gusts reached 63 mph in 14210

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Prior Claim Search:
* Iso –
– 5262h794w – Date Of Loss: 01/24/2024 – Reviewed New ADPL Seen
– 5228g761m – Date Of Loss: 12/05/2021
– 525451d01 – Date Of Loss: 04/01/2018
– 520270v83 – Date Of Loss: 05/01/2017

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* Ice – No Policies Found

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* Trakall – 09-23-2024 To 02 -04- 2025

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Cause of Loss Confirmation:
IA Photos Confirm Wind Damage

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Inspection Findings / Damages / Adjustments:
IA Photos Confirm Wind Damage to Dwelling Roof, Soffit, Siding and Gutter

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Coverage Analysis / Theory of Coverage:
Wind Damage is Not Exclude; Allowing for repairs stated in the Repair Estimate

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Is There Subrogation Potential Known at This Time? Natural Occurrence: There is no subrogation potential as loss is the result of a Natural Occurrence

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Subrogation Referral Sent: No

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Payment(s): 
Summary for Building
Line Item Total 6,629.61
Total Tax(Rep-Maint) 580.11
Replacement Cost Value $7,209.72
Less Depreciation (341.44)
Actual Cash Value $6,868.28
Less Deductible (2,000.00)
Net Claim $4,868.28
Total Recoverable Depreciation 341.44
Net Claim if Depreciation is Recovered $5,209.72

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Action Plan / Additional Comments / Notes: -Prior Claim Information Receive/Review
-Closing Report
-Settle Contact
-Close Claim
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00104789646
STATUS UPDATE

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Pends:
-Closing Report Approval
-Settlement Contact
-Explanation of Benefits
-Close Claim

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ISA FU Set: 04/10/2025
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00104789646
SETTLEMENT CONTACT

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ISA OBC TASHEEBA THOMPSON @ (956) 857-7020 to Settle: , ISA LVM Stating: Claim Summary, Claims Process, and myclaiminfo@assurant.com when necessary.

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ISA OBC TASHEEBA THOMPSON @ (956) 857-7020 to Settle: , ISA Stated Claim Summary, Claims Process, and myclaiminfo@assurant.com when necessary, NI Understood.

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STATUS UPDATE
Pends:
-Closing Report
-Settle Call
-Close Claim

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ISA FU Set: 04/10/2025
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00104789646

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STATUS UPDATE – CLOSED

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The claim has been thoroughly reviewed and is now considered CLOSED as of this date. All necessary actions have been completed, and no further follow-up is required at this time. Should new information or circumstances arise, this claim may be REOPEN for additional evaluation.

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-Prior Claim Information Receive/Reviewn-Closing Reportn-Settle Contactn-Close Claim

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Outbound Call

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Summary of Outbound Call

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Name: TASHEEBA M THOMPSON

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Phone: (956) 857-7020

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Role: Claimant (PIB)

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ISA OBC PIB to Inq Claim Number: 5262H794W – Date of Loss: 01/24/2024 – Coverage/Loss: Property / Wind, ISA LVM

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GENERAL EXCLUSIONS

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1. We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.  These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area.
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2. Ordinance or Law.
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Ordinance or Law means any ordinance or law:

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• Requiring or regulating the construction, demolition, remodeling, renovation or repair of property, including removal of any resulting debris. This exclusion 1.a.(1) does not apply to the Limit of Liability that may be provided under Other Coverage 7. Ordinance or Law:
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• The requirements of which result in a loss in value to property; or
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• Requiring you or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects 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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This exclusion 1.a. applies whether or not the property has been physically damaged.

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• Earth Movement.
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Earth Movement means:

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(1)   Earthquake, including land shock waves or tremors before, during or after a volcanic eruption;

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(2)   Landslide, mudslide or mudflow;

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(3)   Subsidence or sinkhole; or

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(4)   Any other earth movement including earth sinking, rising or shifting;

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caused by or resulting from human or animal forces or any act of nature unless direct loss by fire or explosion ensues and then we will pay only for the ensuing loss.

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• Water Damage, meaning:
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• Flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind;
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• Water or water-borne material which backs up through sewers or drains  or which overflows from a sump, sump pump or related equipment; or
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• Water or water-borne material below the surface of the ground, including water which exerts pressure on or seeps or leaks through a residential property, sidewalk, driveway, foundation, swimming pool or other structure;
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Caused by or resulting from human or animal forces or any act of nature.

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Direct loss by fire or explosion resulting from water damage is covered.

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d.    Power Failure, meaning the failure of power or other utility service if the failure takes place off the described location. But, if a Peril Insured Against ensues on the described location, we will pay only for that ensuing loss.

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• Neglect, meaning your neglect to use all reasonable means to save and preserve property at and after the time of a loss.
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• War, including undeclared war, civil war, insurrection, rebellion, revolution, warlike act by a military force or military personnel, destruction or seizure or use for a military purpose, and including any consequence of any of these. Discharge of a nuclear weapon will be deemed a warlike act even if accidental.
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• Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause of the Conditions.
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• Intentional Loss, meaning any loss arising out of any act committed:
  • By you or at your direction; and
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  • With the intent to cause a loss.
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• We do not insure for loss to property described in Coverages A and B caused by any of the following However, any ensuing loss to property described in Coverages A and B not excluded or excepted in this Certificate is covered.
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• Weather conditions. However, this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in paragraph 1. above to produce the loss;
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• Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body;
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• Faulty, inadequate or defective;
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• Planning, zoning, development, surveying, siting;
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• Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction;
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• Materials used in repair, construction, renovation or remodeling; or
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• Maintenance;
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of part or all of any property whether on or off the described location.

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CONDITIONS

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1.  Certificate Period. This Certificate applies only to loss which occurs during the  
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 Certificate period.

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GENERAL EXCLUSIONS

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2. We do not insure for loss to property described in Coverages A and B caused by any of the  

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    following However, any ensuing loss to property described in Coverages A and B not excluded   

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    or excepted in this Certificate is covered.

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c. Faulty, inadequate or defective;

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    (1) Planning, zoning, development, surveying, siting;

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    (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading,

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         compaction;

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   (3) Materials used in repair, construction, renovation or remodeling; or

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   (4) Maintenance; of part or all of any property whether on or off the described location.

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