Good Afternoon Brian,

Thank you for your prompt reply. However, we are looking at nine (9) days from now. Our kitchen has been largely unusable for going on two weeks. I think you will agree waiting another nine days is unacceptable. Is there someone else available on the near term?






--------------------------------------------------------------------------------
From: BRIAN.BERGMAN@LibertyMutual.com
To:
CC: Mark.Teece@LibertyMutual.com
Subject: RE: Policy
Date: Mon, 15 Oct 2012 21:52:55 +0000



Hi XX,



I have asked Lori Rae Barrios’ manager, Jim Smith, to contact you. He will return to the office on Wednesday, October 24th.




Sincerely,



Brian Bergman

Liberty Mutual Insurance

Customer Service Specialist

Phone: 480-857-8662

Fax Number: 480-857-8212



My goal is to provide you with exceptional customer service.

If you appreciate my service, please recommend your friends and family in reply to this email.

I will be happy to contact them on your behalf. Thank you.





From: XX
Sent: Monday, October 15, 2012 2:44 PM
To: Bergman, Brian
Cc: Teece, Mark
Subject: RE: Policy




Good Afternoon Brian,

A Senior Property Loss Specialist (Lori Rae Barrios) just left my house after inspecting the damage to our home. She said, and provided a letter indicating, that our claim would be/is denied because the policy excludes damage from leakage/seepage that has occurred over time, even though we would have no way of knowing that the leakage was occurring because the leaking pipe was behind a cabinent.

The Denial Notice Ms. Barrios provided cites to the policy sections that support the denial ... Section I - Perils Insured Against, Coverage A - Dwelling and Coverage B - other structures (2)(e); specifically, numbers 1 and 9, and Section I - Exclusions, (1)(i)). While I see the first section (Section I - Perils Insured Against, Coverage A - Dwelling and Coverage B - other structures (2)(e)(1) "Wear and tear, marring, deterioration&quot , it begs the question, how exactly do enclosed pipes come to leak - if not through these apparent disqualifiers?

But more disturbing, none of the other exclusionary language in the Denial Notice is contained in my policy. Specifically, the Denial Notice includes a ninth (9th) policy term discussing "seepage", my policy contains no ninth term in the Perils Insured Against section. Likewise, the Denial Notice cites to a section (i) in the Exclusions section, my policy contains no term (i).


Where do I go from here?

I think it need not be said, I am more than disappointed with how this matter is being handled.

Respectfully,

XX



--------------------------------------------------------------------------------


From: BRIAN.BERGMAN@LibertyMutual.com
To: XX
Subject: RE: Policy
Date: Fri, 5 Oct 2012 23:00:47 +0000


Hopefully this will work J




Sincerely,



Brian Bergman

Liberty Mutual Insurance

Customer Service Specialist

Phone: 480-857-8662

Fax Number: 480-857-8212



My goal is to provide you with exceptional customer service.

If you appreciate my service, please recommend your friends and family in reply to this email.

I will be happy to contact them on your behalf. Thank you.





From: XX
Sent: Friday, October 05, 2012 4:00 PM
To: Bergman, Brian
Subject: Policy




Good Afternoon Brian,

I guess I asked for the wrong thing. When I said I needed my policy declaration, I meant the homeowner's insurance policy document that spells out the terms of the policy ... specifically, what is, and is not covered and under what conditions. Thanks.

XX