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	Claim ID	Insured	Loss Address	LOB	Carrier	Date of Loss	Disputed	Status	Reviewer

DISPUTED · ACTIVE

DIS-2026-0498 · Henderson, R. & M.

Roof hail damage · partial denial dispute · Travelers Personal Lines

4218 Magnolia Trace, Tampa FL 33617

February 27, 2026

HO-3

$78,400.00

In Dispute

MR M. Reyes

Last activity: 08:42 AM today · M. Reyes

Summary

Activity Log 23

Reports

Documents 14

Photos 37

Reserves

Financials

Parties

Invoicing

Audit Trail

The Dispute

Insured filed a claim on 03·02·2026 following a hailstorm event confirmed by NOAA station KTPA (1.25" hail measured). Carrier-assigned field adjuster inspected on 03·09·2026 and authorized only spot repairs ($4,200), citing "cosmetic damage only." Insured commissioned independent roofing engineer report (Vance & Associates, P.E., Lic. FL 64119) which documented full functional damage across all four roof slopes.

DIS retained for neutral damage assessment on 03·14·2026. Initial review confirms hail event severity and damage pattern consistent with engineer findings. Estimated replacement cost: $82,600 (per field assessment and Xactimate estimate).

DIS Recommended Settlement

Carrier Position

$4,200

Insured Demand

$82,600

DIS Recommended

$78,400

Field assessment supports full roof replacement. Estimated replacement cost exceeds initial carrier settlement. Estimated time to resolution: 14 days.

CURRENT STATUS

In Dispute

Days open46

SLA target60 days

Next deadlineJun 17

PriorityHigh

Day 0Day 46SLA 60

PARTIES

Robert & Marlene Henderson

(813) 555-0142 · r.henderson@email.com

Travelers Personal Lines

Adj: K. Boudreaux (Sr. Field)

Kent Mayfair & Associates

FL Lic. PA-19847

Vance & Associates, P.E.

FL P.E. 64119

RESERVES & PAYMENTS

Indemnity reserve$78,400

Expense reserve$3,200

Paid to date$4,200

Total exposure$77,400

Reserves

Date	Description	Type	Amount	Method
04·15·2026	Indemnity reserve increase per field review	Reserve	+$74,200	—
03·22·2026	Initial carrier tender	Payment	$4,200	Check
Totals		—	—	—	—	—	—	—

All reserve entries are claim-specific and audit-logged.

Items Paid & In Dispute

Location	Type of Payment	Coverage A	Coverage B	Coverage C	Other Coverage	Amount Paid	Date Paid	Deductible	Total Paid to Date
Totals			—	—	—	—	—

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Time, Expense & Mileage

Invoice amounts are set by admin. Log your time and expenses here.

Time Log

Expenses

Mileage

Time Entries

Date	Description of Work	Hours
Total Hours		0.00

Date	From → To	Miles
Total Miles	0

Audit Trail

Every action on this file is timestamped, IP-logged, and immutable. This record is admissible as a business record under FRE 803(6).

Timestamp	User	Action	IP / Device	Hash
04·29·26 · 08:42:14	M. Reyes	Diary entry added	73.224.91.18 · MacBook	a4f8…2c91
04·28·26 · 14:18:32	L. Patel	Status updated → In Dispute	73.224.91.42 · iPad	b1d2…7e84
04·25·26 · 11:02:09	M. Reyes	14 documents uploaded	73.224.91.18 · MacBook	f3a9…0148
04·22·26 · 09:30:51	Doug R. Moe	Approved escalation	71.198.44.7 · MacBook	c9e0…4b2a
03·14·26 · 10:00:00	System	FNOL received · file opened	api · automated	000a…0001

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All Activity · Last 24 Hours

08:42 AM

M. Reyes → DIS-2026-0438

Engineer report uploaded. Hail dispute confirmed via NOAA cross-ref.

08:15 AM

System → DIS-2026-0512

SLA breach warning · 48 hrs to carrier deadline.

07:51 AM

L. Patel → DIS-2026-0501

Carrier response received. Agreeing to $42K settlement.

Yesterday 4:18 PM

T. Chen → DIS-2026-0467

Scheduled re-inspection for May 2. Public adjuster notified.

Yesterday 3:02 PM

Doug Moe → DIS-2026-0341

Approved settlement letter. Sent to carrier counsel.

Invoicing

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Time Log

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Time Entries

Date	Claim #	Description of Work	Hours
Total Hours			0.00

Date	Claim #	From → To	Miles
Total Miles	0

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Disputed Claims Volume · Trailing 12 Months

May 25

142

Jun 25

168

Jul 25

241

Aug 25

298

Sep 25

324

Oct 25

221

Nov 25

178

Dec 25

132

Jan 26

154

Feb 26

181

Mar 26

218

Apr 26

203

Hurricane season Q3 2025 drove peak volume. Florida named-storm endorsement disputes account for 38% of summer surge.

68.4%

Carrier denials reversed in DIS review

$56.8K

Carrier offer vs. final settlement

94.2%

Resolved without lawsuit filing

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Audit log retention7 years

SOC 2 certificationType II · 2025

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DIS-2026-0498 · Henderson, R. & M.

The Dispute

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