Dear Calvin,

 

  1. I need to know what your calculations have determined for the Hurricane damage claim value relating to my claim H0104104913. Should same be acceptable payment shall be due on or before 22 November pursuant to Executive Order of Governor since my claim was filed on 09/08/2004 well before the 10/21/2004 cutoff date in the Order.
  2. As stated to you, the Daniel Woron Agency has nothing to do with claims. I have been attempting without success to get someone at Federated to answer a phone. In consultation with Mr. Gallagher’s Office, there is no problem with dividing the Claims (Hurricane and non-Hurricane). However, this does not change the notification date for either one. In addition, the existing claim number will be the Hurricane related claim as the Hurricane Damages giving rise to the Claim occurred prior to the Fire damages giving rise to that claim. The dates on both Claims will remain 09/08/2004. At 2:17 PM 11/15/2004, I reached the Claims Department and spoke to Christine. She stated you had not as yet filed a report and for me to contact you again. I told her that you worked for the Company, not, for me. She then said I had to deal with P&C since Federated has no information from P&C, that Federated never deals with individual adjustors and that no adjustor has ever told a client to call Federated directly. “This is a first” according to Christine. She stated I already had one claim for Hurricane Damage and I didn’t need another nor did she see anything in the “system” that would allow me to get another claim. She then disconnected me – as in hung up.
  3. As to the “advance”, I would suggest we agree on the Hurricane Damage portion and have this paid now (after all, the 22nd is next Monday). The garage fire claim could have a % of the Personal Property Claim , say $25,000 for example which is less than 50% will be acceptable for now) and the balance can be cleared in due course.
  4. If you go to www.apostol.net/hurricane_frances.htm you will find all relevant claims and detailed support. In addition, at the bottom you will find an automatic email reply button for your use.
  5. Calvin. Someone needs to get their act in order. To proceed, I need names, dates and real people. This he said, she said is not making it. I am sure you personally mean very well but things are not coming together. I am very reasonable. We can sit together and come to a mutually acceptable number and the rest is a mechanical process. A contract is a two way street and heavy handedness on either side is intolerable. Ignorance and poor management is no excuse either. It is our opinion that Federated, for whom you work, has ample evidence and information to reach a conclusion as to the reasonableness in its opinion (not gospel) of my claims and can render an opinion now. Should we not be able to agree as intelligent people, we can execute that part upon which we do agree and go to mediation for anything not clear to both parties to the contract, also known as the Policy of Insurance.

 

Thank you,

 

Nicholas Apostol

Insured/Claimant