COURT PLACE OFFICE TOWER

Dear Mr.This letter is in response to your communication with the Revdex.com regarding your Texas Windstorm Insurance Association (TWIA) claim number As a service entity, we strive for the satisfaction of all of our policyholders and would like to take this opportunity to respond to your concerns.We received the first notice of loss from your agent on October 27th, 2015, indicating that busted fasteners and shingles to your roof occurred on August 11th, We assigned [redacted] & Associates to inspect your property, which occurred on November 2nd, At this time, our evaluation of the claim is ongoingWe do want to resolve the claim as quickly as possible, and to that end, we have requested a second inspection by BSC ForensicsThe engineer will identify the nature and the causation of any observed damageYour roofer is welcome to attend the inspectionOnce this inspection has been completed and we have finalized our evaluation, the results will be conveyed to you.Should you have any questions in the meantime, please contact [email protected], [redacted] ***Legal & Compliance Administrative AssistantTexas Windstorm Insurance AssociationTexas FAIR Plan AssociationPhone: 512.899.4962Fax:

Our response has also been mailed out directlyWe are writing in response to your correspondence to the Revdex.com, received inour office on September 13, 2017, regarding a claim filed under your Texas WindstormInsurance Association (***) policyAs a service entity, we strive for the satisfaction of all ourpolicyholders; we understand that you are frustrated with delays on your claim, and we wouldlike to provide the following information.Your claim was reported on September 5, 2017, for wind damage sustained on August 25, 2017.As part of our evaluation, we requested that an independent adjuster carry out an inspection ofyour propertyUnfortunately, the vendor we requested to inspect your property had somescheduling issues and attempted to move the claim to several different adjustersWe do haveconfirmation that the inspection is set to take place today, September 22, 2017.Once the inspection has been completed, we will review the findings to determine coverageunder your policy and provide you with a decision on your claimWe apologize for the delay ingetting an adjuster to confirm an inspection time, and appreciate that this is a stressful time.Should you have any questions, please contact me at [redacted] @***.org or ***-***-***.Sincerely, [redacted] Senior Claim ManagerTexas Windstorm Insurance Association

Thank you SirMy concern from the start was with MsC [redacted] She sent the first guy out and he found more things wrong with our roof than my contractor Then all of a sudden Ms [redacted] sent this other company out with Veracity Research Co., Mr [redacted] who performed a recorded interview and took pictures Ms [redacted] left me this long voice mail message that my case wasn't and required special attention ! What ever happened to the interview Mr [redacted] performed ? At this point I will wait and see what comes of tomorrow 12/16/with this new Investigation then I will decide if I need to pursue other avenues Complaint: [redacted] I am rejecting this response because: Regards, [redacted]

Our response hasWe are writing in response to your recent correspondence to the Revdex.com,received in our office on October 26, 2017, regarding a claim filed under your Texas WindstormInsurance Association (TWIA) policyAs a service entity, we strive for the satisfaction of all
ourpolicyholders; our practice is to thoroughly evaluate all claims and to treat all our policyholdersequally and professionallyWe understand that you are frustrated with the outcome of yourclaim and we want to make sure we appropriately address your concernsWe would like toexplain the details regarding your claim below.Your claim was filed on August 30, 2017, due to a tree falling and damaging your fencing, powerlines and swimming poolAdvanced Claims Concepts inspected your home on September 9,The inspection revealed damage to your dwelling roof, warranting replacement, damageto the rear patio, to the fencing, and to your swimming poolThe cost for tree removal was alsoincluded with the estimate, which totaled $20,After application of the $1,policydeductible, a payment for $18,was owed.You submitted an invoice for repair to the coping around the swimming pool totaling $300.00.With the inclusion of this invoice, a payment for $19,was issued on September 30, 2017.A payment for food spoilage totaling $was also issued on September 30, 2017, inaddition to the additional living expense payment of $2,issued on September 16, 2017.You have submitted additional invoices for out of pocket expenses related to the repair of yourhome and the additional cost of tree removal. These invoices totaled $4,035.00, and payment
for this amount was issued on October 22, 2017. Your correspondence references the cost to refinish the surface of your swimming poolAn
invoice for this work totaling $3,was provided to TWIAAfter further consideration,
TWIA does agree with the need for these repairs, and a payment for $3,was issued on
October 26, Please note that this payment includes the $cost to refill your pool
We appreciate your patience and cooperation during this processWe strive to be thorough
and fair in our evaluationTWIA believes that we have addressed the damage to your home and
property related to Hurricane Harvey
Sincerely,
*** *** Senior Claim Manager
Texas Windstorm Insurance Association

Complaint: ***
I am rejecting this response because: The matter of not being contacted in any form by any *** adjuster prior to a complaint bring filed is unacceptable. Yes an adjuster came out on Saturday, September 24, for an inspection, but the fact still remains that the previous adjuster(s) never made contact with us no matter how many times we called the company to complain.
Regards,
*** ***

Thank you Sir. My concern from the start was with Ms. C[redacted] . She sent the first guy out and he found more things wrong with our roof than my contractor . Then all of a sudden Ms. [redacted] sent this other company out with Veracity Research Co., Mr. [redacted] who performed a recorded interview and took pictures . Ms. [redacted] left me this long voice mail message that my case wasn't normal and required special attention ! What ever happened to the interview Mr. [redacted] performed ? At this point I will wait and see what comes of tomorrow 12/16/2015 with this new Investigation then I will decide if I need to pursue other avenues  .   Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Dear Mr.This letter is in response to your communication with the Revdex.com regarding your Texas Windstorm Insurance Association (TWIA) claim number . As a service entity, we strive for the satisfaction of all of our policyholders and would like to take this opportunity to respond to...

your concerns.We received the first notice of loss from your agent on October 27th, 2015, indicating that busted fasteners and shingles to your roof occurred on August 11th, 2015. We assigned [redacted] & Associates to inspect your property, which occurred on November 2nd, 2015. At this time, our evaluation of the claim is ongoing. We do want to resolve the claim as quickly as possible, and to that end, we have requested a second inspection by BSC Forensics. The engineer will identify the nature and the causation of any observed damage. Your roofer is welcome to attend the inspection. Once this inspection has been completed and we have finalized our evaluation, the results will be conveyed to you.Should you have any questions in the meantime, please contact [email protected]. Sincerely,[redacted]Legal & Compliance Administrative AssistantTexas Windstorm Insurance AssociationTexas FAIR Plan AssociationPhone: 512.899.4962Fax: 512.505.2198

Our response has also been mailed out directlyWe are writing in response to your correspondence to the Revdex.com, received inour office on September 13, 2017, regarding a claim filed under your Texas WindstormInsurance Association ([redacted]) policy. As a service entity, we strive for the...

satisfaction of all ourpolicyholders; we understand that you are frustrated with delays on your claim, and we wouldlike to provide the following information.Your claim was reported on September 5, 2017, for wind damage sustained on August 25, 2017.As part of our evaluation, we requested that an independent adjuster carry out an inspection ofyour property. Unfortunately, the vendor we requested to inspect your property had somescheduling issues and attempted to move the claim to several different adjusters. We do haveconfirmation that the inspection is set to take place today, September 22, 2017.Once the inspection has been completed, we will review the findings to determine coverageunder your policy and provide you with a decision on your claim. We apologize for the delay ingetting an adjuster to confirm an inspection time, and appreciate that this is a stressful time.Should you have any questions, please contact me at [redacted].org or [redacted].Sincerely,[redacted]Senior Claim ManagerTexas Windstorm Insurance Association

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted] This will be the third time TWIA is sending someone out. Before they sent Veracity Research , Mr. [redacted] came out interviewed me taking photos of my driving license , home etc.. I don't want to think my family and are our being racially profiled but it appears every time we've tried to be treated fairly some issue comes up. When we bought our home here in League City, Home Depot to do flooring, American Home shield etcc. just to name a few. Once a company or business see we're African American it seems we have issues . We don't want to file a complaint with the US Dept of Labor but it would be nice to be treated fairly . So we'll see how this turns out . Thanks for help with people at Revdex.com our issues can be resolved .

Our response hasWe are writing in response to your recent correspondence to the Revdex.com,received in our office on October 26, 2017, regarding a claim filed under your Texas WindstormInsurance Association (TWIA) policy. As a service entity, we strive for the satisfaction of all ourpolicyholders; our practice is to thoroughly evaluate all claims and to treat all our policyholdersequally and professionally. We understand that you are frustrated with the outcome of yourclaim and we want to make sure we appropriately address your concerns. We would like toexplain the details regarding your claim below.Your claim was filed on August 30, 2017, due to a tree falling and damaging your fencing, powerlines and swimming pool. Advanced Claims Concepts inspected your home on September 9,2017. The inspection revealed damage to your dwelling roof, warranting replacement, damageto the rear patio, to the fencing, and to your swimming pool. The cost for tree removal was alsoincluded with the estimate, which totaled $20,489.76. After application of the $1,780.00 policydeductible, a payment for $18,709.79 was owed.You submitted an invoice for repair to the coping around the swimming pool totaling $300.00.With the inclusion of this invoice, a payment for $19,009.76 was issued on September 30, 2017.A payment for food spoilage totaling $500.00 was also issued on September 30, 2017, inaddition to the additional living expense payment of $2,500 issued on September 16, 2017.You have submitted additional invoices for out of pocket expenses related to the repair of yourhome and the additional cost of tree removal. These invoices totaled $4,035.00, and payment
for this amount was issued on October 22, 2017. Your correspondence references the cost to refinish the surface of your swimming pool. An
invoice for this work totaling $3,505.00 was provided to TWIA. After further consideration,
TWIA does agree with the need for these repairs, and a payment for $3,612.53 was issued on
October 26, 2017. Please note that this payment includes the $107.53 cost to refill your pool.
We appreciate your patience and cooperation during this process. We strive to be thorough
and fair in our evaluation. TWIA believes that we have addressed the damage to your home and
property related to Hurricane Harvey.
Sincerely,
[redacted] Senior Claim Manager
Texas Windstorm Insurance Association