Marcus Henderson & Priya Henderson

Marcus and Priya Henderson submitted a timely claim for hail and wind damage to their Katy, Texas residence. The carrier's estimate of $14,200.00 substantially understates the scope of repair confirmed by an independent contractor estimate of $31,800.00.

Cited: EX-03, EX-04

On June 14, 2026, a hail and wind event caused damage to the insured property. The claim was opened June 16, 2026, and a carrier inspection occurred June 18, 2026. A sworn proof of loss was submitted June 20, 2026. The carrier issued an estimate of $14,200.00 on June 24, 2026. An independent contractor estimate of $31,800.00 was obtained June 26, 2026, and forwarded to the carrier June 27, 2026. The carrier issued a position letter June 29, 2026, maintaining its original scope.

Cited: Timeline events, EX-01–EX-09

The carrier's estimate omits line items present in the independent contractor estimate, resulting in an unresolved scope discrepancy of $17,600.00.

Cited: EX-03, EX-04

The homeowners have supplied a complete, contemporaneous record: a timely claim, a sworn proof of loss, and a competing estimate from a licensed contractor that identifies specific scope differences. The carrier's position letter does not address these line-item differences.

Cited: EX-03, EX-04, EX-07

TX-HOA-88291047, Section I — Property Coverage; Section I — Conditions, Proof of Loss.

Cited: EX-01

Homeowners request a supplemental review of the scope discrepancy between the carrier and contractor estimates, and a written response addressing each disputed line item.

Cited: Homeowner-approved language