CLM-26003
Patricia Williams· +19165552210·SYM-5091(HO-3)·Adjuster Sam Chen
- Intake
- Verify
- Assess
- Resolve
- Closed
Non-weather water loss at a property that appears to have been vacant for ~90 days; insured has acknowledged the absence by email. SMUD records and the mailing/risk address mismatch corroborate the vacancy. A denial letter citing the standard HO-3 vacancy clause has been drafted and is pending adjuster sign-off before sending.
Action Tracker
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Claim Data
Reserves
$350
Paid
$0
Recovered
$0
Days open
157
Phase
Verification
Status
Open
Exposures
1 open · 1 total
At a glance
- Claim #
- CLM-26003
- Cause of loss
- Water Non Weather
- Date of loss
- Jun 8, 2026
- Reported
- Jun 9, 2026
- Loss location
- 2210 Almond Grove Ct Sacramento, CA 95825
- Severity
- Moderate
- Jurisdiction
- Sacramento, CA
- Policy
- SYM-5091
- Form
- HO-3
- Insured
- Patricia Williams
- Adjuster
- Sam Chen
- Inspector
- Not assigned
- Policy verified
- ✗ Not in force
- Inspection
- Requested
Policy NOT in force at loss
Not verifiedVacancy clause likely applies — mailing/risk mismatch + utility records show 0 kWh for 90 days. No vacancy permit on file.
Communication Hub
Patricia Williams
+19165552210 · patricia.williams@email.comPrefers email
Voice call · 287s
Caller reported burst pipe at 2210 Almond Grove Ct, called by neighbor. Asked how long things would take. Calm, cooperative tone.
Occupancy declaration needed — claim CLM-26003
Patricia, We noticed our records show the loss address at 2210 Almond Grove Ct, but your mailing address is in San Francisco. Could you let us know whether the property has been occupied continuously in the past 90 days? Thanks, Symphony Claims
RE: Occupancy declaration needed — claim CLM-26003
Thanks for reaching out. I have been staying with my mother in SF while she recovers from surgery — about three months now. The Sacramento house has been empty most of that time, though my niece checks on it weekly.
Documents
draft_denial_letter_v1.pdf
application/pdf · carrier letter
Parsing in progress or unsupported file type. Original file is available above.
Source Submission
This claim was created directly, without a prior intake submission.
No linked submission
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