ADNAN & JUMAN MANSOUR

Page 1 of 3

Date prepared December 11, 2023

Notice of loss date September 28, 2023
Claim number 080534-GP
Policy number 9234HR206078
Questions? Contact Claims Associate
Jason Rogers - FL License
W080281
[email protected]
PO BOX 182068
COLUMBUS, OH 43218-2068
ADNAN & JUMAN MANSOUR Phone 800-201-9603
26780 HYANNISPORT DR Fax [Fax Number]
NORTH OLMSTED, OH 44070-2658

PARTIAL DENIAL OF COVERAGE

We've made a decision
about this Homeowners Dear ADNAN & JUMAN MANSOUR,
claim
We’ve reviewed the available information for this Homeowners claim. We
have completed our investigation of your claimed loss, including a
thorough review of your Nationwide General Insurance Company
Homeowners policy. Your policy does provide coverage for the direct
physical loss to covered property resulting from a covered peril, subject to
the policy’s terms and conditions. However, we must respectfully advise
you that your policy does not provide coverage for a portion of this loss –
as further detailed below.

Claim details
Insurer: Nationwide General Insurance Company
Policyholder: ADNAN MANSOUR
Claim number: 080534-GP
Loss date: July 20, 2023

About our decision

Our review showed that your claim is partially covered under your policy.
The inspection did not reveal any hail or storm related damages to your
front elevation windows. The windows have damages that are not
consistent with storm related damage. We have determined that this
portion of your loss resulted directly or indirectly from excluded damage.
Accordingly, we respectfully deny coverage for the portion of claimed
damage to front elevation windows. Please review the policy details
section of this letter for the coverage determination.

Policy details
Your Homeowners policy and any applicable endorsements state, in
relevant part, the following:

SECTION I — PROPERTY COVERAGES

A. Coverage A — Dwelling .
1. We cover:
a. The dwelling on the "residence premises" shown in the
Declarations, including structures attached to the dwelling; and
 ADNAN & JUMAN MANSOUR
Claim # 080534-GP
Page 2 of 3

b. Materials and supplies located on or next to the "residence

premises" used to construct, alter or repair the dwelling or other
structures on the "residence premises".
2. We do not cover land, including land on which the dwelling is
located, or the replacement, rebuilding, restoration, stabilization or
value of such land.

SECTION I — PERILS INSURED AGAINST

A. Coverage A — Dwelling And Coverage B — Other Structures

1. We insure against direct physical loss to property described in
Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded
c. Caused by:
(6) Any of the following:
(a) Wear and tear, marring, deterioration;
(b) Mechanical breakdown, latent defect, inherent vice or any
quality in property that causes it to damage or destroy itself;

SECTION I — EXCLUSIONS

B. We do not insure for loss to property described in Coverages A and B

caused by any of the following. However, any ensuing loss to property
described in Coverages A and B not precluded by any other provision in
this policy is covered.
1. Weather conditions. However, this exclusion only applies if weather
conditions contribute in any way with a cause or event excluded in A.
above to produce the loss.
2. Acts or decisions, including the failure to act or decide, of any
person, group, organization or governmental body.
3. Faulty, inadequate or defective:
a. Planning, zoning, development, surveying, siting;
b. Design, specifications, workmanship, repair, construction,
renovation, remodeling, grading, compaction, backfilling;
c. Materials used in repair, construction, renovation or remodeling;
or
d. Maintenance;
of part or all of any property whether on or off the "residence
premises".

SECTION I — CONDITIONS
H. Suit Against Us.
No action can be brought unless the policy provisions have been
complied with and the action is started within one year after the date
of loss.

Additional information
We expressly reserve all other rights, defenses, or contentions, which are
available to us under the policy of insurance, by law or otherwise, and do
not waive any such rights or defenses which we now have or which may
become known to us in the future.
 ADNAN & JUMAN MANSOUR
Claim # 080534-GP
Page 3 of 3

If you have information about this claim that may affect our current
decision, please forward it to us as soon as possible.

About your settlement

The repair estimate included in the documents provided shows the portion
of damages that are covered by your policy. It also indicates your policy's
applicable deductible for this loss.

For more information

If you have any questions or concerns about your claim, please contact me
at 800-201-9603 or [email protected].

Sincerely,

Jason Rogers - FL License W080281

Nationwide General Insurance Company
PO BOX 182068
COLUMBUS, OH 43218-2068
cc
ADNAN & JUMAN MANSOUR

Ohio law requires the following: Any person who, with intent to defraud or
knowing that he/she is facilitating a fraud against an insurer, submits an
application or files a claim containing a false or deceptive statement is
guilty of insurance fraud.
 Date prepared December 11, 2023
Claim number 080534-GP
Policy number 9234HR206078
Questions? Contact Claims Associate
Jason Rogers - FL License
W080281
[email protected]
Phone 800-201-9603
Fax [Fax Number]

ADNAN & JUMAN MANSOUR

26780 HYANNISPORT DR
NORTH OLMSTED, OH 44070-2658

OUR INSURED: ADNAN MANSOUR

OUR CLAIM NUMBER: 080534-GP
CLAIMANT NAME: ADNAN & JUMAN MANSOUR

You have been carbon copied on the attached document.

Nationwide General Insurance Company

Jason Rogers - FL License W080281
800-201-9603

PO BOX 182068
COLUMBUS, OH 43218-2068

Claims cc - recipient cover page (09-21)

 ADNAN & JUMAN MANSOUR
Page 1 of 3

Date prepared December 11, 2023

Notice of loss date September 28, 2023
Claim number 080534-GP
Policy number 9234HR206078
Questions? Contact Claims Associate
Jason Rogers - FL License
W080281
[email protected]
PO BOX 182068
COLUMBUS, OH 43218-2068
ADNAN & JUMAN MANSOUR Phone 800-201-9603
26780 HYANNISPORT DR Fax [Fax Number]
NORTH OLMSTED, OH 44070-2658

PARTIAL DENIAL OF COVERAGE

We've made a decision
about this Homeowners Dear ADNAN & JUMAN MANSOUR,
claim
We’ve reviewed the available information for this Homeowners claim. We
have completed our investigation of your claimed loss, including a
thorough review of your Nationwide General Insurance Company
Homeowners policy. Your policy does provide coverage for the direct
physical loss to covered property resulting from a covered peril, subject to
the policy’s terms and conditions. However, we must respectfully advise
you that your policy does not provide coverage for a portion of this loss –
as further detailed below.

Claim details
Insurer: Nationwide General Insurance Company
Policyholder: ADNAN MANSOUR
Claim number: 080534-GP
Loss date: July 20, 2023

About our decision

Our review showed that your claim is partially covered under your policy.
The inspection did not reveal any hail or storm related damages to your
front elevation windows. The windows have damages that are not
consistent with storm related damage. We have determined that this
portion of your loss resulted directly or indirectly from excluded damage.
Accordingly, we respectfully deny coverage for the portion of claimed
damage to front elevation windows. Please review the policy details
section of this letter for the coverage determination.

Policy details
Your Homeowners policy and any applicable endorsements state, in
relevant part, the following:

SECTION I — PROPERTY COVERAGES

A. Coverage A — Dwelling .
1. We cover:
a. The dwelling on the "residence premises" shown in the
Declarations, including structures attached to the dwelling; and
 ADNAN & JUMAN MANSOUR
Claim # 080534-GP
Page 2 of 3

b. Materials and supplies located on or next to the "residence

premises" used to construct, alter or repair the dwelling or other
structures on the "residence premises".
2. We do not cover land, including land on which the dwelling is
located, or the replacement, rebuilding, restoration, stabilization or
value of such land.

SECTION I — PERILS INSURED AGAINST

A. Coverage A — Dwelling And Coverage B — Other Structures

1. We insure against direct physical loss to property described in
Coverages A and B.
2. We do not insure, however, for loss:
a. Excluded
c. Caused by:
(6) Any of the following:
(a) Wear and tear, marring, deterioration;
(b) Mechanical breakdown, latent defect, inherent vice or any
quality in property that causes it to damage or destroy itself;

SECTION I — EXCLUSIONS

B. We do not insure for loss to property described in Coverages A and B

caused by any of the following. However, any ensuing loss to property
described in Coverages A and B not precluded by any other provision in
this policy is covered.
1. Weather conditions. However, this exclusion only applies if weather
conditions contribute in any way with a cause or event excluded in A.
above to produce the loss.
2. Acts or decisions, including the failure to act or decide, of any
person, group, organization or governmental body.
3. Faulty, inadequate or defective:
a. Planning, zoning, development, surveying, siting;
b. Design, specifications, workmanship, repair, construction,
renovation, remodeling, grading, compaction, backfilling;
c. Materials used in repair, construction, renovation or remodeling;
or
d. Maintenance;
of part or all of any property whether on or off the "residence
premises".

SECTION I — CONDITIONS
H. Suit Against Us.
No action can be brought unless the policy provisions have been
complied with and the action is started within one year after the date
of loss.

Additional information
We expressly reserve all other rights, defenses, or contentions, which are
available to us under the policy of insurance, by law or otherwise, and do
not waive any such rights or defenses which we now have or which may
become known to us in the future.
 ADNAN & JUMAN MANSOUR
Claim # 080534-GP
Page 3 of 3

If you have information about this claim that may affect our current
decision, please forward it to us as soon as possible.

About your settlement

The repair estimate included in the documents provided shows the portion
of damages that are covered by your policy. It also indicates your policy's
applicable deductible for this loss.

For more information

If you have any questions or concerns about your claim, please contact me
at 800-201-9603 or [email protected].

Sincerely,

Jason Rogers - FL License W080281

Nationwide General Insurance Company
PO BOX 182068
COLUMBUS, OH 43218-2068
cc
ADNAN & JUMAN MANSOUR

Ohio law requires the following: Any person who, with intent to defraud or
knowing that he/she is facilitating a fraud against an insurer, submits an
application or files a claim containing a false or deceptive statement is
guilty of insurance fraud.