March 1, 2000

Staci L. Jackson

Mr. Gary Briggs
Field Vice President
Allstate Insurance Company
8675 Freeport Parkway North, Building E
Irving, TX 75063

RE: Policy # 216888527

Dear Mr. Briggs:

It is with my most sincere intent at an amicable resolution, (and a bit of sheer desperation!), that I am writing to you. Enclosed, please find a chronological "time line" for your review. It provides both a fair and accurate history of the interaction between my agent, Shaun Terry, (and others representing his office), and myself as it pertains to my Allstate Homeowner’s policy #2 16 888527.

First of all, the fact that I did not receive the renewal or the policy in 1999, and that it instead went to the mortgagee, may appear irrelevant, but the following is where the consequences make it profound. Of course, I know that whether I get a bill or not, I have one every month (or year in this case). My renewal date was June 12, 1999, but since my first payment for the previous year was not due until August 12, 1998 and the policy itself was not even sent out until July 22, I was not concerned when I did not get the new policy or bill in June.

Unfortunately, the mortgagee died June 2, 1999, and it wasn’t until July that her son, (after going through her mail), called about the bill being sent (mistakenly) to her. My agent, Shaun Terry was fully aware of the terms of my contract with the seller.

(Page 2)

The policy should have reflected policyholder as payee indefinitely, after all, the note was to be paid off December 31, 1998, so the mortgagee would have no further interest in the property at renewal. I recently discovered there was a change made in payee from policyholder to mortgagee on April 27, 1999. While this may answer WHY I did not get the bill or policy for 1999, it also raises the questions of WHO made the change, and WHY it was made. This is yet another example of how my agent mishandled my policy right from the beginning.

Furthermore, while I understand the time constraints and energy demands of moving an entire household of 9(!) AND the mixed loyalty that encompasses changing companies; Shaun Terry’s inattentive, careless, and thoughtless handling of my homeowner’s policy was avoidable and clearly negligent. When I received the refund check August 30, 1999, I was totally confused and called Shaun right away. Just the week before, Shaun told me my daughter's clarinet was covered under the unscheduled property coverage of my homeowner's policy, and for each of the next 9 days, I believed him to be actively working on the reinstatement, as he implied it was a mere technicality and oversight.

Certainly, (not even in my worst nightmare) would I have my beautiful home, my entire life savings and my inheritance from my Grandfather (over 100K CASH invested), uninsured. I never suspected I was not in good hands with my Allstate agent. I don't know if Shaun Terry had a fiduciary responsibility to me (from a legal perspective), but I trusted him explicity as the representative of ALL of my insurance matters, and inevitably that trust was misplaced, as my children and I lost our home and all of our possessions with no recovery.

In addition to the above information, I also have 23 minutes of recorded conversations with Susan Terry the day of the fire. In the first 2 calls, she tells me: "I'm sorry, we're moving, we're in the middle of moving so it's really, really difficult to keep on top of everything." She then told me she was going to call (to inquire about my policy) and would call me right back.

(page 3)

During the second conversation, she states she had "been trying to get through to underwriting and I can't get through. You know, that's all I can do to get it reinstated". Susan reported she had always referred my calls/questions to Shaun, which should bring onto question the integrity of her statements according to the investigative report conducted by Toni Watkins.

I also have copies of my mobile telephone detail, which lists the many calls to my agent’s office to find out about my policy getting reinstated, although this is contrary to my agent’s account of the situation, also according to Toni Watkins. She implied he was merely doing me a favor by calling underwriting. This is a gross minimization at best, and would unlikely account for the many calls and visits I made to his office. In addition, I have several people that will provide sworn statements to most of what I have stated or that is listed on the enclosed time line.

Finally Mr. Briggs, I hope in light of this information, you will agree my uninsured loss was due to my trusted agent’s failure to act in a reasonably prudent manner to correct his gross mishandling of my policy, (right from the beginning!) I trust you will take the necessary steps to ensure a fair and equitable resolution and compensation for our losses so we are able to rebuild our lives and our home. It has been a tumultuous 6 months for the girls and I, but we are about to lose our home on the Bell County Court House steps March 7, 2000, please acknowledge the sense of urgency that also accompanies this merciful plea.

Respectfully,

 

Staci L. Jackson