{"id":"court_ctb_1787_7","court":"CTB","case_no":"22-50073","doc_number":1787,"sub_number":7,"doc_type":"ORDER","filed_date":"2023-05-12","title":"April 26, 2023 Via Email","summary_zh":"保险索赔异议信函 —— Ho Wan Kwok（郭文贵 / Guo Wengui / Miles Guo）破产案，CTB 22-50073 ECF #1787-7（2023-05-12立案）。AIG 财产保险公司代理律师向债务人 Genever Holdings LLC 的理赔代表发函，明确拒绝接受其未经请求提交的 391,047.97 美元火灾损失证明（针对 2023 年 3 月 15 日雪莉荷兰公寓火灾），并声明在全面保留权利的前提下继续对该保单进行理赔调查。","summary_en":"Letter regarding insurance claim — In re Ho Wan Kwok (Miles Guo / Guo Wengui), CTB 22-50073 ECF #1787-7 (filed May 12, 2023). Counsel for AIG Property Casualty Company notified debtor Genever Holdings LLC's representative that it rejected an unsolicited $391,047.97 proof of loss related to the March 15, 2023 apartment fire and maintained a full reservation of rights during its ongoing coverage investigation.","body_en":"Case 22-50073 Doc 1787-7 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 1 of 3\n\nApril 26, 2023\n\n## *Via Email*\n\nJohn J. Panico Affiliated Adjustment Group, Ltd. 3000 Marcus Avenue, Suite 3W3 Lake Success, NY 11042\n\n![](_page_0_Picture_6.jpeg)\n\nRe: Claim of Genever Holdings LLC Policy No.: 0061821440 Claim No.: 81000578 Date of Loss: March 15, 2023\n\nDear Mr. Panico:\n\nAs you are aware, this office represents AIG Property Casualty Company (\"AIG\"), which issued Homeowners Policy No. PCG 0061821440 (the \"Policy\") to Genever Holdings LLC (\"Genever\") for the period of March 6, 2023, to March 6, 2024. The Policy provides certain insurance coverage with respect to the unit at 781 Fifth Avenue, 18th Floor, New York, New York 10022 (\"the Unit\"). As we also have previously advised, AIG is currently conducting an investigation into the fire at 781 Fifth Avenue, New York, NY (\"the Claim\") under a strict reservation of rights.\n\nWe have reviewed the information that you forwarded to AIG on April 19, 2023, on behalf of Genever's Trustee. The information provided does not materially impact AIG's potential coverage position in this matter.\n\nFirst, the transfer of shares from Genever Holdings Corporation to the Trustee was done pursuant to an August 10, 2022, order from the United States Bankruptcy Court, District of Connecticut, Bridgeport District, in the Chapter 11 proceeding involving Ho Wan Kwok. The transfer was to the Trustee solely in his capacity as the Trustee. This \"Corporate Governance Rights Order\" provided that the Trustee was issued \"all of the Debtor's economic and governance rights, for the benefit of the Estate\" and expressly noted that the Trustee was not authorized to \"sell, otherwise dispose of, lease, or encumber\" any assets of the Debtor. It appears that at all times the Debtor remained in control and in possession of the Unit.\n\nIn reviewing the July 23, 2022, motion from the Trustee in support of this requested relief, it is apparent that this transfer was done in order to protect against the improper disposition of the debtor's property (including the Unit)) based on the Debtor's \"willingness to defy court orders.\" As acknowledged in the Trustee's motion, a Trustee steps in the shoes of a debtor in respect of the debtor's rights. As such, the Trustee remains subject to all of the Policy terms, conditions, and endorsements, including any exclusions, in the same manner as the named insured, Genever Holdings LLC.\n\nNext, in respect of the copy of the Policy that you forwarded, effective on March 16, 2023 (and subsequent to the March 15, 2023, fire), the Policy's mailing address was amended by endorsement from 781 Fifth Avenue, 18th Floor, New York, NY, 10022, to Lus (sic) A. Despins Ch 11 Trustee of Ho Wan Kwok, 200 Park Ave, New York, NY 10166 USA.\n\nThe Named Insured of the Policy at all times has remained Genever Holdings LLC, and this post-fire address amendment does not service to change the identity of the Named Insured, nor does it reflect AIG's consent to assign or to provide any coverage under the Policy to the Trustee.\n\nFurther in that regard, as I noted during our discussion, the Policy provides:\n\n## **PART IV - CONDITIONS**\n\nE. Assignment\n\nNo one covered under this policy may assign or turn over any right or interest in regard to the policy without our written consent.\n\n\\* \\* \\*\n\nIn respect of the unsolicited Proof of Loss for a claimed amount of \\$391,047.97 that you submitted to me on April 21, 2023, as you are aware, AIG's investigation into the Claim is ongoing and it has not confirmed coverage.\n\nNext, the Policy provides:\n\n## **PART IV – CONDITIONS**\n\n**B.** Your Duties After a Loss\n\nApril 26, 2023 Page 3\n\n- 7. **Send to us within sixty (60) days of our request**, your signed sworn proof of loss which sets forth, to the best of your knowledge: a. The time and cause of loss;\n\t- b, The interest of all others in the property;\n\t- c. Other insurance which may cover the loss; and\n\t- d. The dollar amount being claimed as your loss.\n\t- (Emphasis added)\n\nAIG has not requested this proof of loss and has not made a determination on coverage under the Policy. As such, AIG hereby rejects the Proof of Loss and will not be issuing payment.\n\nAs noted, AIG's investigation of Genever's claim continues under a strict reservation of rights. AIG does not waive, and intends to preserve, all potential defenses to coverage under the Policy and at law, and nothing set forth in this letter serves as a waiver of any of AIG's rights.\n\nSincerely,\n\nWADE CLARK MULCAHY LLP /s/ *Michael A. Bono*\n\ncc: Audi Mincey Wolfson Ins. Brokerage Inc. amincey@globalcoverage.com\n\n> Genever Holdings LLC c/o Max Krasner propertymanagement77@proton.me\n\nCara DiGiovanna Cara.Digiovanna@aig.com\n\nLuc Despins, Esq. [lucdespins@paulhastings.com](mailto:lucdespins@paulhastings.com)","body_zh":"Case 22-50073 Doc 1787-7 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 1 of 3\n\n2023年4月26日\n通过电子邮件发送\n\nJohn J. Panico\nAffiliated Adjustment Group, Ltd.\n3000 Marcus Avenue, Suite 3W3\nLake Success, NY 11042\n\n事由：Genever Holdings LLC（Genever控股有限责任公司）的理赔申请\n保单号：0061821440\n理赔号：81000578\n受损日期：2023年3月15日\n\n尊敬的Panico先生：\n\n如您所知，本律所代表AIG Property Casualty Company（AIG财产意外险公司，简称「AIG」），该公司向Genever Holdings LLC（简称「Genever」）签发了保单号为PCG 0061821440的房主保险单（简称「本保单」），保险期间为2023年3月6日至2024年3月6日。本保单就位于781 Fifth Avenue, 18th Floor, New York, New York 10022的单元（简称「该单元」）提供特定保险保障。如我们此前亦已告知，AIG目前正在严格保留权利的前提下，对位于781 Fifth Avenue, New York, NY发生的火灾（简称「本次索赔」）进行调查。\n\n我们已审阅您于2023年4月19日代表Genever的受托人（Trustee）向AIG转交的信息。所提供的信息不会对AIG在本案中的潜在承保立场产生实质性影响。\n\n首先，从Genever Holdings Corporation（Genever控股公司）向受托人转让股份，是依据United States Bankruptcy Court, District of Connecticut, Bridgeport District（美国康涅狄格区联邦破产法院布里奇波特分部）在涉及Ho Wan Kwok（郭文贵）的第11章破产程序中于2022年8月10日作出的命令进行的。该转让仅系向受托人以其受托人身份作出。该「公司治理权命令」规定，向受托人授予「债务人的全部经济权和治理权，以使破产财团（Estate）受益」，并明确指出受托人未被授权「出售、以其他方式处置、出租或设定权利负担于」债务人的任何资产。债务人似乎在所有时间均保持着对该单元的控制和占有。\n\n在审阅受托人于2022年7月23日提交的用以支持此项请求救济的动议时，显而易见的是，鉴于债务人「公然违抗法院命令的意愿」，该转让是为了防止对债务人财产（包括该单元）的不当处置而进行的。正如受托人的动议所承认的，受托人在债务人权利方面承继债务人的地位。因此，受托人仍须以与被保险人Genever Holdings LLC相同的方式，遵守本保单的所有条款、条件和批单，包括任何除外责任。\n\n其次，关于您转交的保单副本，自2023年3月16日起（且晚于2023年3月15日的火灾），本保单的邮寄地址通过批单由781 Fifth Avenue, 18th Floor, New York, NY, 10022修改为Lus (sic) A. Despins Ch 11 Trustee of Ho Wan Kwok, 200 Park Ave, New York, NY 10166 USA。\n\n本保单的记名被保险人在所有时间均始终为Genever Holdings LLC，且这一火灾发生后的地址修改并不用于改变记名被保险人的身份，也不反映AIG同意转让或根据本保单向受托人提供任何保险保障。\n\n在此方面的进一步内容，正如我在我们的讨论中所指出的，本保单规定：\n第四部分 - 条件\n\nE. 转让\n\n未经我们的书面同意，本保单项下的任何受保人均不得转让或转交与本保单相关的任何权利或利益。\n\n* * *\n\n关于您于2023年4月21日向我提交的、索赔金额为$391,047.97且未经要求的损失证明（Proof of Loss），如您所知，AIG对本次索赔的调查仍在进行中，且尚未确认承保。\n\n其次，本保单规定：\n第四部分 – 条件\n\nB. 您在发生损失后的义务\n\n2023年4月26日 第3页\n\n- 7. 在我们提出要求后六十（60）天内，向我们发送经您签署并宣誓的损失证明，其中在您所知悉的最大范围内载明：a. 发生损失的时间和原因；\n\t- b. 所有其他人对该财产享有的权益；\n\t- c. 可能涵盖该损失的其他保险；以及\n\t- d. 作为您的损失所索赔的美元金额。\n\t- （后加强调）\n\nAIG尚未要求该损失证明，亦尚未就本保单项下的承保范围作出认定。因此，AIG特此拒绝该损失证明，并且不会发放赔付款项。\n\n如前所述，AIG在严格保留权利的前提下继续对Genever的索赔进行调查。AIG未放弃并意图保留本保单项下以及法律上的所有潜在抗辩理由，本信函中阐述的任何内容均不构成对AIG任何权利的放弃。\n\n此致，\n\nWADE CLARK MULCAHY LLP\n/签名/ Michael A. Bono\n\n抄送：Audi Mincey\nWolfson Ins. Brokerage Inc.\namincey@globalcoverage.com\n\nGenever Holdings LLC\nc/o Max Krasner\npropertymanagement77@proton.me\n\nCara DiGiovanna\nCara.Digiovanna@aig.com\n\nLuc Despins, Esq.\n[lucdespins@paulhastings.com]","key_entities":["Despins","Kwok","Ho Wan Kwok","Je","Luc Despins"],"ecf_references":[],"word_count":798,"status":"published","published_at":"2023-05-12 00:00:00","created_at":"2023-05-12","updated_at":"2026-08-23 12:30:55"}