Priority One Management, Inc.

Initial Business Response /* (1000, 5, 2015/09/21) */
[redacted] and [redacted],
Attached are documents regarding the 8-6-2013 hail/wind claim for St. Johns. Lease check the drop down in the attachment line for all the attachments. 13 attachments sent to the owner and her...

adjuster.
The documents are the:
Barnhouse and engineers adjusting report the [redacted] building, (not the full plan for all the building or garages and common elements). It is way too many pages to send via email. So I sent for the 6303 building.
The settlement agreement between the St. Johns Association and Chubb. (this settlement was signed because of the statute of limitations with the HO6 loss assessments, they felt they had no other choice).
The contract and addendum pages with Barnhouse between St. Johns Wood and the contractor.
The minutes where the board dictated the amount of the loss assessment to be $12,500 versus over $23,000 to make up the difference not paid by Chubb.
A sheet of questions and answers given to the owners at the annual meeting, in here one owner and attorney asked questions to help with owners explanations and answers to a few more important questions.
A report dictating why insurance delays adjusting claims.
The loss assessment invoice.
The York adjusting, third part adjusting firm hired by York and suspect of purchasing the claim from Chubb dictating claim costs and the settlement amount.
The 2013 insurance policy you already have.
The claim for 6303 can also be placed as $2,500.00 as the loss assessment deductible part and $7,500.00 of Coverage A, building coverage.
York's supposed adjustment sheets.
Please be advised, St. Johns Wood Association, the Board of Directors, nor Priority One Management delayed this claim, had any right to adjust (beyond the board of Directors hiring and outside engineer and contractor to adjust the claim and submit as appraisal to Chubb). Chubb is the company that assumedly sold the claim to York, York never did a full adjustment of the claim. A settlement was the final step chosen to avoid all expenses coming out of owners pockets, due to Ho6 policies having a statute of limitations. As you can see, management's role is close to being the messenger and the middle man between the Board of Directors and York and Chubb.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have been billed $12,500 for which I think should not be charged until the insurance company review the new information and makes a decision. I definitely do not think I should be billed and accrued late fees during this period.
The HO6 is suppose to pay the deductible (for which the master policy had a deductible of $10,000 during the time the hail claim was made). From the documentation sent to me yesterday it also looked like the $12500 also included painting and other things that I think the association master policy should be paying because they are responsible for paying the exterior of the house. There are several other home owners whose HO6 companies are denying their claim. Why can management have an open discussion with these insurance companies regarding why specifically they are looking for.
Final Business Response /* (1000, 11, 2015/10/07) */
I previously responded to this, I think I added too many documents and you did not get it. The complainant and her insurance company have everything. If needed I can forward you the emails I sent to her insurance company and her. I am not attaching all the documentation to the reply, so this reply will be received.
Date of loss: 8-6-2013
Date of loss assessment 6-1-2015
Master carrier: Chubb
Adjusting company: York out of Chicago.
Claim in full: $3,579,111.34
Settlement agreement from Chubb after the association hired a contractor and engineer to adjust the claim and submit to Chubb as appraisal, York never finished adjusting. $629,883.57
Loss assessment is the master policy deductible and a portion of the amount Chubb never paid.
Work now completed, full roofs, gutters, and roofing metals.
Work pending, Painting of the buildings.
Painting is association responsibility during the general paint cycle, this is an insurance claim so it falls on the master policy holder and the HO6 Loss assessments amount.