Ms. Morgan, In re our discussion regarding Ditech documentation process on my flood loss: 1. Yes UNDER PROTEST I am providing them contractor lisence copies, conditional release of liens, contracts and proof of loss from fema as per their requirements just like this was a half million dollar commercial project. They are also micromanaging this process to the point that they are writing separate checks to contractors. We should also get an engineer and an architect involved to complicate the bureaucratic process even further. 2. I have copies of Fannie Mae documents that mortgage companies are required to fill out for an insurance loss. None of the above documents are required. Therefore, I am simply jumping thru Ditech policy & procedure hoops that justify their bureaucracy. Its simply easier than fighting their obstruction in court. 3. I have talked to my neighbors who also suffered flood losses. None of their mortgage companies required more than a proof of loss and bids from repair companies. So, your statement that this procedure is “industry standard” doesnt hold up. 4. As I told you, I have been a lisenced contractor for 45 years. I have never had to do such onerous documentation for such a relatively minor set of repairs and sum of money. We are not building nuclear submarines. These are minor change outs & repairs that can be done in two weeks. I have been thru 4 sets of bureacrats in 5 months simply trying to get the insurance check, for insurance I pay for, to do two weeks of repairs to my home. 5. Maybe if the stars align, and the fairy godmother smiles down upon me, all the bureaucrats will justify their existence, and sign off on this so I can get the insurance money & do the repairs to be back in my home, and out from under the financial burden off making house payments on a house I cant live in, by Christmas. 6. In the meantime, it is my fervent wish that every desk warming obstructive bureaucrat that had anything to do with this insurance claim have their house burn or flood so they can have the experience of going thru the same time & money consuming process. I wish you good day, Rick Brown