ComplaintsforCrawford & Company

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Initial Complaint
02/27/2024
Complaint Type:
Customer Service Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
On January 6, 2023 I hurt my back working for The Garda Security company. I seen several doctor's including a Back and Spine specialist as well as a Chriopractor for months. In September, 2023, my doctor instructed me to take a 6 weeks leave of absence. Broadspire was notify of my injury in September, but refused to ***** me ********* comp. *********************** who works for Broadspire and her number is ************** ) refuse to call me, or help me with my claim. They don't return phone calls or messages.
Business response
03/06/2024
Please see a brief extension request for the above-captioned complaint matter.
Customer response
03/08/2024

Complaint: 21355971

I am rejecting this response because:
I've been waiting for my claim to be resolved since September of 2023. I've been getting the run around since day one. I didn't work for 2 months and I haven't received not one check to help me take care of my family. I had to borrow money from my extended family just to make ends meet. I hurt my back while working on my job at Garda, and to not receive some kind of funds till my claim is resolved really frustrated me. I need financial help right now. I've been ignored by Broadspire for months.
Sincerely,

**************************
Business response
03/11/2024
Please see the attached.
Customer response
03/12/2024

Complaint: 21355971

I am rejecting this response because:
The letter that was sent to me a few days ago, IS NOT COMPLETELY TRUE. Broadspire only reach out to me a few times during my time off from work. I had maybe an over an hour phone conversation with Ms. ************** I was told that after they review my conversation, I should be receiving my 6 week back pay from Broadspire. And this Back pain was created from me twisted from the Garda Armor CAR Truck. I was without pay for 6 weeks, while following my doctor ****** to take a leave of absence while they help me with the major pain in my back. This IS NOT SOMETHING I INHERENT in my life. I'm behind with my home bills waiting on benefits from Broadspire. I don't know WHY I'm having such a hard time receiving benefits. Can you please ( Broadspire) send what I believe it's owed to me from my on the job ( Garda) injury
Sincerely,

**************************
Initial Complaint
02/21/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I was in communication with this company, in regards to a client, and The communication has ceased and I am not able to get in touch with anyone. I have emailed the company and attached Supervisors. I have spoken with supervisors on the phone and then follow up calls that were promised on their part were never made, just disappeared. I am seeking open communication in a timely manner so I can communicate with my client about resolutions. I have email confirmations that documents were received, and confirmation emails stating that I would have a resolution within 24 hours. it has been over 6 weeks from initial confirmation email and no responses have been made since
Business response
02/23/2024
We cannot identify this claim based upon the information provided by the complainant.

No response has been received to this inquiry.
Initial Complaint
02/01/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I had a claim approved with Crawford&Co through their Airbnb Host Policy. Details of the claim are irrelevant as the next events would deem it so. I was awarded $214.62 in USD so it roughed out to $268 CAD as the claim was filed in ******* through Airbnb, paid my rental with USD, and Airbnb policy states they pay out USD [unless at their discretion]. On November 29, 2023, I received a post from Crawford for a $268 check CAD. After discovering my banks did not accept foreign checks and my business bank required me to endorse the check and mail it to another bank only to get it back in 120 days, I reached out to Crawford to ascertain why I was not issued a USD check, as they do business in both countries, they would have bank accounts in both.After weeks of poking emails to Crawford and then the holidays, on January 11, ****, an adjuster contacted me stating that Crawford made an error with sending the check in CAD, requested me to destroy the check, and would be issued a new one in USD immediately. On January 22, ****, a status update was given; the new check was issued and sent out on January 16, ****, and it can take up to two weeks to arrive. On January 27, ****, I received Crawford's post containing two checks [dated January 17, ****]. One was for $214.62 CAD [#******], the other $214.62 USD [#*****], however, both were drawn from ******** banks and using ******** check/routing system. I requested why not use their US Bank accounts as customers have received Crawford insurance claim checks from US banks in USD. On January 29, ****, I contacted the adjuster and included their director [as that contact info was in his email footer]. Their responses were lackluster in a request to confirm receiving two checks. I asked if there were any other payout methods we could utilize as this was now two months of time wasted on both parties.As of February 1, ****, I have yet to receive a response, and checks sent to me are unable to cash with my banks.
Business response
02/08/2024
We have communicated directly with the consumer on this matter.
Customer response
02/08/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************
Initial Complaint
01/25/2024
Complaint Type:
Delivery Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Date with issue: December 14th, 2023 to current.Issue: I was injured at work and have been dealing with medical issues. My claim was sent to Broadspire to assist with my claim and I've been unable to get assistance. I finally spoke with a manager and she assisted me the one time but now my claim was shifted to another agent and I'm now unable to get in contact with anyone. I am being poorly represented and I am to the point where I need help.
Customer response
01/24/2024
So I was given the address P.O. box ***** *********, ** ***************************************** was ********************. Now I am with someone new. I don't know her name and was told I was going to be sent information to get paid for lost time and gas to and from doctor ************ and haven't received anything nor heard from them since. I try calling the main office and as soon as it allows me to wait for a representative to answer the line disconnects. I just want assistance with my injury. I feel like I'm not being helped with this and I'm behind on bills because of lost time.
Business response
02/07/2024
We have reached out directly to the complainant to address their concerns.
Initial Complaint
12/31/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Trip Interruption Claim - Documentation Status - CMS Reference: ******* has been delayed and not responded to by the claims representative. The person that handled the claim was difficult and even though was ill was demanding. The person received the information needed and the result was that this representative was sending the information was sent to supervisor. When I contact the company not a single supervisor is available and they will not be able to provide status on claim without a manager looking at it. They have been a terrible company to deal with and it is not a benefit that is realistic as they request information not needed so that they can delay, defer and most likely deny valid claims.
Business response
01/17/2024
Dear Better Business Bureau,
This is in response of the above referenced complaint that was received on December 29, 2023, and in reference to the above captioned claim, adjudicated by Broadspire. Broadspire Services, Inc. (Broadspire), a subsidiary of Crawford & Company, is a third party administrator assigned to act on behalf of ***************** Company.
We are in receipt of the correspondence for the above referenced complaint that was received on December 29, 2023, and in reference to the above captioned claim, adjudicated by Broadspire. Broadspire Services, Inc. (Broadspire), a subsidiary of Crawford & Company, is a third party administrator assigned to act on behalf of ***************** Company.
In this complaint, ************ expressed dissatisfaction with the length of time taken to resolve the claim, as well as the lack of response from his assigned claims adjuster, and difficulties reaching a supervisor. We have reviewed our file materials and we offer the following in response.
On November 14, 2023, the Broadspire office received notification of the loss. An acknowledgment letter and claim form was sent to ************ via email on November 15, 2023. On November 29, 2023, ************ began submitting documentation to the claim via our secure portal and the claim was assigned to an adjuster for review.
On December 5, 2023, upon review of the submitted documents the adjuster determined that the following required documentation was pending to make a coverage decision:
Confirmation of the non-refundable amounts for the unused Common Carrier tickets, and/or travel vouchers (Additional lodging receipts from the date of interruption on 10/04)
Confirmation of the reason for the trip cancellation; (Medical documents from Columbia confirming the reason for the early trip departure on 10/04)
A copy of the cancellation or refund policies of the Common Carrier, Tour Operator, or Travel Supplier
A copy of the credit card statement which shows that the purchase of the Common Carrier ticket was charged to your credit card; (We must be able to see the first six digits of the credit card number and the pre-printed accountholder name and address. However, for security purposes we suggest that you block or remove the remaining digits of your card number.)
An email was sent to ************ on the same day advising of the pending documents. The assigned adjuster also spoke with ************ on December 5, 2023, to discuss the pending documents, details of the loss, and policy language.
On December 9, 2023, ************ submitted additional documentation for review. On December 14, 2023, the additional documentation was reviewed by the adjuster. It appears the file was still pending a copy of the cancellation or refund process and the credit card statement. ************ spoke with his adjuster on this day, and he was advised of the pending documents again via telephone.
Our review of the file indicates that ************ also spoke with his adjuster on December 21, 2023, where the adjuster advised the claimant that the incorrect credit card statement was provided, adjuster explained which credit card statement is required. ************ uploaded the final documentation later that day. On December 27, 2023, the assigned adjuster reviewed the documentation and submitted his recommendation to management for review.
On December 28, 2023, a member of the management team reviewed the file and agreed with the adjusters recommendation to deny. Based on our review of the policy, the documentation provided, and the facts of the loss, it was determined that ************** claim did not qualify for Trip Interruption benefits. This policy reimburses pre-paid and unused Common Carrier passenger fare when a covered cause of loss occurs. While an illness is a covered cause of loss, we are not able to issue payment for the claim. Lodging, meals, and car rental expenses does not meet the policy definition of Common Carrier Passenger Fare and are not reimbursable. The additional airfare expense does not qualify as unused Common Carrier Fare because the flight was used. In addition, ************** brother did not meet the policy definition of an Insured Person.
A copy of the denial letter was issued to ************ on January 2, ****, via email, and our file was closed.
We regret that our decision regarding this claim could not have been more favorable. To better understand the basis for our denial, please refer to the below policy language:
Contract
Section II - Persons Insured
The following are the Persons Insured under this policy:
All personal card cardholders, their spouse / Domestic Partner, and unmarried Dependent ********************************************** Person
Insured Person means a person described as a Class member in Section II of the Declarations, Persons Insured.
Endorsement
Financial Services Common Carrier - Trip Cancellation/Trip Interruption
With respect to Financial Services Common Carrier Trip Cancellation/Trip Interruption only, Section I of the Contract, Coverage, is amended to include the following:
In the event of the Insured Person's Trip Cancellation or Trip Interruption, we will pay up to the TripCancellation/Trip Interruption Benefit Amount shown in Section IV of the Declarations, Benefits. Our payment will not exceed either:
1)the actual Non-Refundable amount paid by the Insured Person for a Common Carrier
passenger fare(s); or
2)the Trip Cancellation/Interruption Benefit Amount shown in Section IV of the Declarations, Benefits.
The Insured Person will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed the Insured Person.
The Trip Cancellation or Trip Interruption of the Insured Person must be caused by or result from:
1)death, Accidental injury, disease or physical illness of the Insured Person or an Immediate Family Member of the Insured Person; or
2)default of the Common Carrier resulting from Financial Insolvency.
The death, Accidental injury, disease or physical illness must be verified by a Physician and must prevent
the Insured Person from traveling on a Covered Trip.
Definitions
Common Carrier
Common Carrier means any licensed land, water or air conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire.
Covered Trip
Covered Trip means travel on a Common Carrier when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to an Insured Person's Account issued by the Policyholder.
Non-Refundable
Non-Refundable means the amount of money paid by or on behalf of the Insured Person for a Covered Trip which will be forfeited under the terms of the agreement made with the Common Carrier for unused travel arrangement and for which a travel agent or travel supplier will not provide any other form of compensation.
Trip Interruption Trip Interruption means the Insured Person's Covered Trip is interrupted either on the way to the point of departure or after the Covered Trip departure. Should you have any additional questions or concerns, please do not hesitate to contact the undersigned.

Sincerely,
*****************************
Claim Director
North America Claims
Chubb Insurance
**************
*****************
Initial Complaint
12/28/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Filed a Trip cancellation claim with Broadspire - this company serves the **** of America credit card Trip cancellations. The claim number is *******: I provided all documents, but this company just simply ignores the customers, I don't see any progress on my claim and they don't respond on phone calls and emails. Please help
Business response
01/08/2024
Attached is the response to BBB ********
Customer response
01/08/2024
The response from the business is a lie: Neither full NO partial payment/refund was issued at all. I need them to issue the refund. Also, they requested from me a proof of relationship with the second person traveling with me. He is my domestic partner; although it is very humiliating and unusual from Trip cancellation company to request the bank joined account and joined mortgage statement !!!!!! I traveled a lot with my partner and never ever had this ridiculous request. Anyway, I provided a combined bank statement and comined auto insurance statement, but they rejected this information. Please, follow up with this horrible company to help me receive the refund. They do lie, and do everything possible to deny a claim
Thank you very much
Sev
Business response
01/22/2024
Attached is the BBB response to the complaint's response.
Initial Complaint
11/02/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
they are handling a claim for my home, state farm is my insurance. they have been ignoring me for 4 months now and i cant get a hold of anyone since everyone is a crawford employee. im very unsatisfied with their actions and do not recommend anyone to work with this company
Business response
11/10/2023
The complainant has been contacted by the insurance company
Initial Complaint
09/24/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
We have a credit card with travel coverage with Broadspire. We were verbally assaulted on a trip from our VRBO hosts, so it wasnt safe to stay there. VRBO wouldnt issue a refund. So we filed a claim with Broadspire and they denied it.
Business response
10/09/2023

Customer response
10/09/2023

Complaint: 20650462

I am rejecting this response because:

The home Was unsafe. We had no choice but to pay for another hotel This means that the trip was interrupted and should be covered

Sincerely,

*****************
Business response
10/20/2023
Dear Better Business Bureau,
This is in response to additional response from ***************** that was received on October 9, and in reference to the above captioned claim, adjudicated by Broadspire. Broadspire Services, Inc. (Broadspire), a subsidiary of Crawford & Company, is a third party administrator assigned to act on behalf of ***************** Company.
In her response, ************ advised that she is rejecting our response to her complaint. In addition she stated, the home was unsafe. We had no choice bu to pay for another hotel this means that the trip was interrupted and should be covered.  The policy covers certain perils which are shown in the pertinent policy language below. Cancellations related to the hostility of the property owner or feeling safe at a particular location are not covered perils.  In addition, losses associated with lodging expenses do not meet the policy definition of Common Carrier passenger fare, therefore this is not a covered loss under the policy.
Please see pertinent policy information below:
Section I Insurance
B) Travel Insurance
Financial Services Common Carrier Trip Cancellation/Trip Interruption
In the event of the Insured Person's Common Carrier Trip Cancellation or Trip Interruption, We will pay up to the Trip Cancellation/Trip Interruption Benefit Amount shown in Section IV-C of the Schedule of Benefits. In no event will We pay more than either:
1) the actual Non-Refundable amount paid by the Insured Person for a Common Carrier passenger fare(s); or
2) the Trip Cancellation/Interruption Benefit Amount shown in Section IV-C of the Schedule of Benefits.
The Insured Person will relinquish to us any unused vouchers, tickets, coupons or travel privileges for which we have reimbursed the Insured Person. In no event will we pay more than the Maximum Benefit Amount as shown in Section IV-C of the Schedule of Benefits in any twelve (12) consecutive month period regardless of the number of Trip Cancellation/Interruption claims made in that twelve (12) month period.
The Trip Cancellation or Trip Interruption of the Insured Person must be caused by or result from
death, Accidental injury, disease or physical illness of the Insured Person or an Immediate Family Member of the Insured Person ; or default of the Common Carrier resulting from Financial Insolvency.
The death, Accidental injury, disease or physical illness must be verified by a Physician and must prevent the Insured Person from traveling on a Covered Trip.
Section VII Definitions
Common Carrier
Common Carrier means any motorized land, water or air Conveyance, operated by an organization other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee or an individual under contract. Common Carrier does not include sight seeing tours or any Conveyance used for recreational activities.
We regret that our decision regarding this claim could not have been more favorable, but we must abide by the policy provisions.
If you have any questions, please contact the undersigned.
Sincerely,
*****************************
*****************************
Sr. Claims Specialist
*********************
Chubb Insurance
**************
*****************
Customer response
10/20/2023

Complaint: 20650462

I am rejecting this response because:
As stated earlier, the host was violent and the home was not safe for my children or family. This is the definition of trip interruption because we had to pay for lodging elsewhere and got no refund

Sincerely,

*****************
Initial Complaint
09/21/2023
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Apparently Crawford and ** handles damage claims for *** in the excess of $500. I am a high volume **** reseller. I shipped a fully insured limited edition statue which **st the customer $950. This item was triple boxed. *** slammed it in a door or something box was smashed item was broken. Customer filed a return which the process through **** is for the customer to ship item back to me and upon me receiving refund them their money. So upon receipt of item back from customer I filed a claim with *** which got passed to Crawford. I was informed my claim was denied due to reshipping the item prior to *** inspecting. Their guidelines do say if its Is reshipped prior to *** inspecting a claim may be denied but it does not state it is automatically denied. I followed my **** guidelines which then faulted me in *** guidelines. I tried to explain to the representative that if I didnt get the statue back before refunding the customer their ******* (purchase+taxes) the customer would have no incentive to give them the item for inspection they would likely keep my statue and my money which is why **** has me follow those guidelines not to mention the fact that the responsibility of filing claims falls on the seller because it keeps seller responsible for shipping item securely also my customers schedule did not permit for him to meet *** drivers for a call tag. I followed all of my guidelines as an **** reseller and because I followed procedures on one platform I was in violation on an another. I would also like to add the representative ******************* is the rudest nastiest person I have ever spoken with I am sure she is an excellent claim adjuster being that she seems to truly enjoy and relish the fact that she gets to tell people no. It is my honest opinion that **mpanies use Crawford to tell customers no and Crawford hires people who are low qualified and gives them a position of power to make decisions and these people do nothing but deny all claims worst company ever
Business response
09/21/2023
September 21, 2023

BBB of Metro Atlanta, ****** &NE *******
***********************; NE Ste 900
*******, ** 30303

Re:       Complainant:                           *********************
            Your File No.:                         20635082
            Date of Shipment:                  September 5, 2023
            *** Customer:                      **** Inc
            Account No.:                          AC9818
Claim No.:                              50494658
Tracking No.:                         1ZAC98184299761183

Dear Sir * *****

This is in response to your letter of September 21, 2023, concerning a complaint made by ********************** Crawford and Company has been retained as the claims representatives, authorized to investigate, evaluate, and accept or deny declared value claims for packages shipped by ***.

The package in question was shipped by ********************* through her **** account. It was found damaged when it arrived at her customers location. She had the package shipped back to her under a different tracking number and then presented a claim to *** on September 18, 2023.

*** provides $100 of protection and shippers can purchase protection above that amount. The *** Terms and Conditions provides the basis of any claim payment or denial. Section **** states that the original packaging materials must be made available for inspection to *** prior to reshipment.

            Original Packaging Materials
            In the event that a claim is made for damage to a Shipment, the original
            Packaging materials must be made available to *** or its designee for
            Inspection prior to reshipment.

************ was advised of this requirement and her claim was closed without payment. If she has any new information that changes the facts above, we are open to reviewing them. She also emailed our office this morning and has not answered our questions in the response.

If we can be of further assistance in this matter, please do not hesitate to call.

Sincerely,

**********************, CPCU, AIC, AINS
Crawford & Company
*******************
Initial Complaint
09/09/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Trip canceled due to wife's pregnancy and return date overlapping with the expected delivery date. Filed a claim but the insurance company hasn't reviewed my claim in 4 months.The travel insurance company I had a policy with was Broadspire(Crawford & Company). Insurance claim (claim #*******) was filed in May 2023. After the initial review of the documents, additional proof was requested and was provided within a week. 4 Months have passed since then and even after numerous phone calls and voice mails, no action was taken.The customer service line always picks up the phone and asks me to talk to the adjuster. The adjuster never picks up his/her phone and is unreachable. Left a voice mail numerous times and never got a call back.Can I get some help, please?
Business response
09/25/2023

CHUBB
P.O. Box 4700
**********, ** 23327
O ************
E ****************************************

September 25, 2023

Better Business Bureau of Metro Atlanta, ****** & NE *******
***********************************************
*******, ** 30303

RE: Case ID:

20579886

Complainant:

******************;

Claim Number:

4191525

Policy No.:

9907-44-34

Date of Loss:

05/17/2023
Type of Claim:

Credit Card Benefits - Trip Cancellation

Writing Company:

Federal Insurance Company

To Whom It May ****************** received the consumers complaint submitted to the Better Business Bureau of Metro Atlanta,
Athens & NE ******* (hereinafter BBB). This claim was handled by our third-party claim
administrator, Broadspire Services, Inc., a subsidiary of Crawford & Company (hereinafter
Broadspire), the third-party administrator assigned to process claims on behalf of Federal Insurance
Company. In the complaint, it is indicated that the claimant has not had documents reviewed in four
(4) months and is unable to contact the adjuster who handled the claim.

The complainant is covered under policy number 9907-44-35 (hereinafter the Policy) which
provides *************************** through use of their **** of ************ Signature credit card
to secure the common carrier transaction. Therein, it outlines the terms and conditions of the benefit.
Please note, the Policy outlines that the following loss(es) are not covered:

This benefit does not apply to loss caused by or resulting from:
5) the Insured or an Immediate Family Member:

a) traveling against the advice of a Physician; or

b) traveling while on a waiting list for specified medical treatment; or

c) traveling for the purpose of obtaining medical treatment; or

d) traveling in the third trimester (seventh month or after) of pregnancy.

Additionally, the Policy contains the following exclusion:

Disease or ************************* does not apply to any Accident, Accidental Bodily Injury or Loss caused by or
resulting from, directly or indirectly, the Insured Person's emotional trauma, mental or physical
illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily
malfunctions or medical or surgical treatment or diagnosis thereof.

We have reviewed the claim file thoroughly. Our records confirm the trip was cancelled as a result of
pregnancy as travel was scheduled one (1) month prior to the due date. The claim was submitted to
Broadspire on May 17, 2023, and an acknowledgement letter and claim form were sent via email the
following day. On June 08, 2023, documentation was uploaded for review, assigned to an adjuster,
and reviewed June 14, 2023. It was determined additional documentation was required in order to
make a coverage decision and an email was sent the same date advising of the required documents.
On June 23, 2023, additional documentation was uploaded for review, reviewed on July 03, 2023, and
confirmed that the loss was not eligible for coverage. Management authorized the denial on July 06,
2023, and the complainant was notified of the determination via email the following day.

Upon receipt of the above-referenced BBB complaint, a member of the Broadspire management team
reviewed the file and determined that the original denial was accurate per the terms and conditions of
the policy. Our review confirms the same. Broadspire placed a call to ************* and the final decision
was discussed. A follow up email containing a copy of the original denial letter was sent on September
19, 2023.

It is confirmed that the assigned adjuster did miss four (4) calls from the complainant between August
21, 2023 August 23, 2023. We sincerely apologize for any inconvenience this may have caused as
this is not the level of customer service we expect our members to receive and will work with
Broadspire in regard to this.

The contents of this letter should not be construed as a waiver of any rights and defenses that we may
have under the policy and law. Neither this communication nor further communications that we may
have regarding this claim should be construed to wave any of these rights and defenses. We are willing
to review any additional information that you may provide. We further reserve all of our rights to assert
defenses based upon other policy provisions whether or not specifically mentioned herein.

Should you have any additional questions or concerns, please do not hesitate to contact the undersigned.

Sincerely,

************************;

*************************
Senior Claim Specialist, Accident & Health
Chubb *********************

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