(DATE)



August 14, 2008

Re: Insured:

Location:

Claimant:

Date of Loss:

Our File No.:

Dear Mr. & Mrs. Smith:

As you know, we are the independent insurance adjusting firm engaged by Quality Insurance Company, to assist in the handling of your claim.

Per our inspection and interview with you on 9-20-07, your claim for damages is not covered.

Based on these facts, on behalf of your insurers, we must respectfully deny your claim but with the understanding that by such action your insurers do not waive any of their rights.

Should you have any questions regarding this matter, please contact the undersigned.

Cordially,

Joe Adjuster

Cc: Quality Insurance Company

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