Conversation via Phone on 19 November 2004

with Federated National Insurance

Started at approx. 10 AM

Completed at approx. 12:30 PM

Spoke to “Joel”. All persons spoken to at Federated refuse to give last names and extension numbers. They also refuse to provide anything in writing claiming at the moment “we have nothing to tell you”.

Based on last communication of 17 November 2004 at 8:30 PM with Mr. Woodard, the Claims Adjustor, I inquired as to status on my request for an advance on settlement and new claim number assigned to Fire Damages.

I was informed that Federated had no record of receiving the adjustor’s report. I reminded them that the adjustor had called on 14 November to

tell me it had been sent to Federated and again on the 17^th confirmed emailing request for a $20,000 advance on Sunday, 14^th of November to Federated. I was then informed that it took “at least” 5-7 days for such reports to enter the computer system. Then it would take another 3-4 weeks for the review process before any action could occur because the adjustor was an “independent adjustor”. I was told that I had to be patient.

I was then told that I had one claim for everything and didn’t need a new claim for the Fire. I reminded Joel that it was not Hurricane related to which he replied that only the Insurance company would determine that status at its sole discretion. I then told Joel that it was the adjustor who called me to file for a new claim number. After some consultation away from the phone, I was told that indeed the new claim number would be issued internally and I would not have to call in again. Someone from the claims division would tell P&C Adjustors and it would in turn contact me via phone with the new number for reference. I asked if it could be faxed to me and was told that the claim form would be faxed within 2-3 hours. No such fax was ever received.