The document is a letter from Ronald Cox, a public insurance adjuster, to Susan Miller of OAM O'Connell, Attmore & Moris LLC in response to her demand to invoke the appraisal clause in an insurance policy regarding a claim for snow and ice damages. Cox denies the demand for appraisal, arguing that there is no disagreement on the amount of loss since Miller's client did not provide an opinion on the amount of damages. Cox also asserts that the cooperation clause of the policy was not followed before demanding appraisal. Cox provides several court cases to support his position that a claim is not ripe for appraisal until there is a good faith effort to determine the amount of loss and damage.