Action Adjustment Service

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I am putting this matter behind me Regards, [redacted]

Thank you for giving us the opportunity to reply Please note that we are in complete disagreement with Mr Borowsky’s statements stating that he has only been contact three times in eight months This is not true My office has been in contact with him continuously via email and telephone with my office staff Please see the attachments which show that my office has been in contact continually throughout this claim process I have also made contact with the insurance company and his accusations that he is owed additional funds for areas of dispute He has been in contact with the insurance company and they are not willing to release any more funds to [redacted] On May 24, [redacted] contacted our office for help with a plumbing leak from his second floor bathroom which affected a small area of rug in his bedroom as well as his living room, kitchen and utility room [redacted] contacted [redacted] who performed emergency services and dried out the property and were paid their invoice of $4, for their emergency service work The insurance company adjuster did in fact delay the process as the adjuster handling the case was removed to help with the 6-23-storm that struck the South Jersey area and the area was deemed a catastrophe by Governor Christie Settlement from the insurance company for the plumbing loss building portion was $30,139.26, less $2,deductible, less $2, depreciation for an actual cash value payment of $25,and $4, payment to Seaboard for the restoration services It took quite some time for the insurance company to reply and provide us with an estimate and in the meantime, [redacted] stated that he noticed mold in his home and contacted [redacted] [redacted] responded with testing and did mold remediation in the amount of $4, Also [redacted] stated that there was also other areas of damage and water infiltration that were unrelated to [redacted] ’s plumbing loss [redacted] had a roof leak which was contributing to the mold and water damage in his home This is a total and complete separate claim and cause of loss [redacted] had [redacted] replace his roof in the amount of $3, He also removed all the carpeting on the second floor and wants replacement for the entire second floor including the hallway and bedrooms that were not affected Please note the insurance company is only liable for the master bedroom carpet as a 3’ section of carpet was wet and removed by [redacted] The insurance company allowed for replacement of the entire bedroom carpet [redacted] wants payment for this and also the refinishing of this floor which the insurance company is not extending coverage to the entire second floor [redacted] is requesting additional money when it appears, in fact, he was overpaid on this loss It appears he only spent approximately $18,to complete all of this when the total loss was $30,on the building In order to recover the $2, depreciation the insurance company withheld, the insured must spend more than the replacement cost of $30, [redacted] ’s demands are unfounded Please see the attached communications (see link below) with [redacted] and the insurance company which is self explanatory [redacted] At this juncture, we will be withdrawing our representation and forwarding our notice to the insurance company and [redacted] Please feel free to contact [redacted] at [redacted] Insurance Company – [redacted] Thank you Paul F Y***/rc Paul FY [redacted] Public Adjuster Action Adjustment Service, Inc [redacted] Croydon, PA [redacted] actionadjustment@ [redacted] .net

Do not use this adjustment firm They do not complete their work as signed by contract Still fighting with my insurance company years later The owner Paul Y [redacted] never speaks to you and always avoids calls He kept saying it was the insurance companies adjustment firm, come to find out it was him not responding they showed me the correspondenceOnce Paul Y*** received my initial work check they took their percentage and could not get a hold of the owner again