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What People Are Saying About Our Claims Adjusters

What People Are Saying About Our Claims Adjusters

Just a small sampling of what our friends are saying.

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We know without a doubt that if we did not hire SunPoint to assist us with this claim, we would still be negotiating damages with our carrier and likely be short-changed on what was owed. Instead, with the effort of SunPoint's team, we received a settlement for the damages sustained beyond anything we could have done on our own.

Tony Shooshani

Shooshani Developers II, LLC

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My house has experienced severe water damage during a winter storm. I have wasted weeks fighting with the insurance company who did everything in their power to minimize the damages, leave me confused and buried under a pile of never-ending paper work and not answered calls and emails. In all of my misery I have found Sunpoint. The manager Jason Deglow and the public adjuster Olga Clausen have been nothing short of amazing in taking over the burden of fighting with the insurance company on my behalf. Most importantly they got the settlement up to the required amount to cover all of the damages. It's hard to put in words the feelings of relief this came with. I could not be more grateful to them both for their guidance, responsiveness as well as simple human to human care and understanding in the midst of hardship. I only wish I retained them earlier. I would recommend Sunpoint and Olga specifically as a public adjuster to anyone who is facing a sizable damage to their property.

Marta D. - San Jose, CA

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My family home was badly damaged by the Glass Fire of 2020. Upon touring the tremendous smoke damage, SunPoint warned me how our insurance provider was notoriously difficult when paying for smoke damage but they’d get us our best possible settlement, and they were right. After filing a lawsuit and being prepared to go to trial, the clear documentation of the impact to my family’s home and property was evident. We were rewarded with a large settlement. If it had not been for the SunPoint team, there is no way we would have gotten anywhere near what we received. There were never any issues with how SunPoint handled my claim (despite deliberate attempts by my insurance provider to defraud, delay, refuse to acknowledge clear data, and diminish our payments), but SunPoint kept them honest. I cannot express my gratitude enough.

Jerome Ryan

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We chose to go with you and SunPoint due to the sense that you cared about us and our business on a more personal level. You completely validated our instincts through your dogged and tireless representation of our interests. Though our insurer was persistent in trying to both, minimize the amount of loss, and delay payment for these losses, you and your team always kept our needs prominent before them. And we are very grateful that we ended up being compensated for 100% recovery on our claims. Nothing that was owed to us, was left unpaid.

Chester Yeung

Central Computers

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Our insurance company State Farm tried to turn a blind eye to the damage to our home. You and everyone at SunPoint never wavered, documenting and proving every aspect of our damage.

We could not have achieved the results we did without SunPoint's involvement.

Shannen Doherty

Actress

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Every step of the way, SunPoint had our best interests at heart and fought on our behalf to ensure we were not taken advantage of by our insurance provider. They know the ins, outs, and every other trick in the book that insurance carriers will try to pull on their "customers". We are extremely humbled and grateful for all of the help provided to us by the SunPoint team through this very complex year in our lives.

Ross & Jessica Price - Napa, CA

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If we had tried to handle this matter on our own, I am certain that our recovery would have been a fraction of the result Sun Point obtained for us. (You also saved us a lot of angst.)

Hugh Steven Wilson - Denver, CO

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It was only after you took over that I felt the incredible burdens of dealing with AAA fall away and the real job of rebuilding my home and life came back into focus. Your warmth and consideration of my situation was the beginning of a comfortable and dependable working relationship. You have worked to maximize my financial recovery through a managed strategy which was detailed and deliberate at every turn.

Andre Deloje - Santa Monica, CA

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Once you took over the handling of our claim, we never looked back. Your expertise and knowledge of insurance claims were exceptional. You continuously battled and delivered the documents to our insurance company every time they tried to deny portions of our coverage. Your perseverance to get our additional living expenses extended was instrumental to getting our home repaired to a pre-fire condition.

Nersi Boussina On behalf of Baryohay and Tamara Davidoff - Carmichael, CA

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I personally created BLEUSALT out of my desire for luxurious clothing that epitomized comfort-chic but left minimal impact on the Earth. Our insurance company never understood the high-end quality of our product and brand and did not act fairly to resolve the claim…I am glad you represented BLEUSALT to help our business recover…….You quickly assembled a fantastic team to resolve our stock, inventory, and business interruption claim………. you all did a tremendous job on the insurance recovery for us.

Lyndie Benson - Founder and Designer

BLEUSALT

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Our home was impacted with severe smoke damage during the Woolsey fire in November 2018. Our insurance company flatly refused to reasonably compensate us for loss of furnishings, loss of use, and necessary refurbishing of our home to return it to pre-fire conditions. We were fortunate to connect with SunPoint team. They stepped in and took charge of the situation where our insurance company was trying to deny us proper coverage.

Barry Farbenbloom

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It became apparent that dealing with the insurance company on many of the finer loss details was both tedious and frustrating, and SunPoint proved to be up to the task and very tenacious. There were many times that I had given up hope of collecting on certain parts of the policy, but you and your team prevailed, and the checks kept on coming. This made a huge financial impact. 

I would never hesitate to recommend SunPoint to anyone in a similar situation. The services provided are very cost-effective and received me of the distractions and aggravations of dealing with insurance adjusters and allowed me to get back to my own business. 

Mike Vande Voort

Vvootech, Inc.

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We are glad to have had you on our side as you forced the insurance company to honor their contractual obligation, which they conveniently forgot once we had our loss. Your competence, knowledge of navigating through all the red tape, and deep understanding of the insurance industry is a real advantage for anyone who may experience such a traumatic disaster and needs your services. 

Again, thanks for your superior efforts in this matter. We fought Goliath. And, like David, with SunPoint on our side, we prevailed. I will be happy to share the battle stories with anyone who makes the mistake of thinking they can take on a giant insurance company in the face of a disaster, and how together we overcame all odds to beat back a formidable foe with an insurance tactician like you on our side.

Marc Lescher

Twitch, LA

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Having someone with your talent on our side leveled the playing field as the insurance company had an army of consultants representing their best interests. We were capable and caring hands from the start, and having you as our trusted advisor assured us that the insurance company was not going to be able to wiggle its way out of paying what was rightfully owed. 

We are very happy with the settlement. Our insurance company retained consultants and biased adjusters to delay the claim. You quickly assembled a fantastic team consisting of yourself as the lead to resolve our stock, inventory, and business interruption claims. We got the best result and with your expertise the negotiations on coinsurance, depreciation, business interruption, extra expense, and salvage were excellent. You all did a tremendous job on the insurance recovery for us. 

Oh S. Lee - Owner

Tarps & Tie-Downs, Inc.

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We own a residence in Glen Ellen in Sonoma Wine Country. It suffered a total loss and devastating fire damage. We had numerous insurance issues that surprised us. You dealt with them very well.

Again, thank you again for all of your hard work. We will happily recommend you and your firm anytime. Please feel free to utilize us as a reference for your future clients.

Janet Roos - Glen Ellen, CA

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I cannot say enough about you and your exceptional team. Thank you for your efforts and diligence in resolving our fire claims in Malibu. I was very impressed by your team’s in-depth knowledge and expertise in the complicated insurance world. Throughout the process you all kept me informed and were available, prompt, and dependable. You and the Sunpoint team definitely went above and beyond the call of duty guaranteeing a fantastic result and I would highly recommend you to anyone requiring your services.

William R. Sobel

Laird & Sobel, LLP Attorneys at Law

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Since my claim has ended favorably and I have had the chance to settle into my new location, I wanted to offer my sincerest gratitude for helping me recover from my nightmare fire and subsequent claims process. I always thought my insurance company would take care of me, but I was wrong. My insurance company and agent short-changed me and left me feeling helpless and hopeless. They left me under-insured and treated me without empathy or fairness. They took every opportunity they could to keep from paying me adequately from my devastating loss. I was very fortunate to have been referred to you and your firm. I never knew that public adjusters existed, but I am grateful to have found and hired you to be my advocate. The efforts you and your team employed to help ease my burden and stress were remarkable. 

Had I not found you, and had you not been willing to help a small-town business owner like myself, I would have given up and never received a 7-figure resolution from the insurer. I cannot thank you enough for giving your compassion, expertise, and determination to ensure that my insurance provider and broker provided a fair settlement.

Trong Vuong

Asian Market

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With your Team's determination, fortitude, meticulous attention to detail, insurance experience, and negotiation skills we overcame all obstacles.

I hired an advocate. I gained true friends who were unwavering in commitment in my time of greatest need. So, do yourself a favor and hire SunPoint immediately following damages that give rise to submitting an insurance claim.

Rulon and Paula Harper - Salt Lake City, UT

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We are very satisfied that you kept the insurance company on its toes and facilitated a favorable resolution of all the coverages and benefits that were available under my policy. Our recovery was ultimately almost 7 times the insurer's original offer.

We are grateful for your efforts to take charge of our insurance recovery and engaging a top-notch team to beat the insurer back ... I would not recommend anybody to deal with their insurance company on their own without a tenacious public adjuster like yourself and Sunpoint.

Mark Sisson - Triathlete and Author

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Our Plastic Company burnt to the ground. I thought I would be treated fairly, but “our” insurance company only wanted to pay half of what we lost. These experts came in and within 60 days made the insurance company pay two times what they said we were owed. Thank you for everything!

Jeff Denham - U.S. Congressman / CEO

Denham Plastics

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We cannot thank you and Sunpoint Public Adjusters enough for the hard work your team did on our huge fire insurance claim. The settlement was beyond our expectation and almost double what we thought it would be…the fees we paid were worth every dollar in terms of the services and results received. You saved us tremendous time, headaches, effort and were by our side every step of the way. There is no way we could have negotiated the fantastic settlement you achieved.

Tony Antoci - CEO

Erewon Natural Food Markets

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With your help and perseverance, we were able to recover much more than what the insurance company initially told us they would pay us for our loss. Your team meticulously negotiated the building, contents and loss of use claim. Our payments to Sunpoint Public Adjusters, Inc. at 7.5% on our loss of over 5 million dollars was reasonable compared to the time and effort it took to get the matter settled to our satisfaction. Your work over doubled our offer by the insurance company. Again, thank you for your hard work. I will happily recommend you and your firm anytime!

Allan Henderson - President

American Asphalt

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I lost my house…………you gave me back a palace.

John Lee Hooker - Blues Legend

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Rafael and I want to personally thank you for all your hard work to help us with our insurance claim. Before the fire, we had no idea what a public adjuster was. Now that we know what a public adjuster is, and based on the way you handled our claim, we would highly recommend IPA/Sunpoint Public Adjusters to anyone who has a large property claim like ours ... without your help, we never would have been paid the policy limits on our claim for our business personal property. At the same time, the accountant our insurance company hired wanted to low-ball our business income loss. You worked to prove their accountant wrong resulting in a business income settlement over 30% higher than they wanted to pay ... To anyone reading this letter, who has a large property claim in front of them, I strongly recommend that you hire IPA/Sunpoint Public Adjusters.

Alie Medina - Owner

Cocina Medina

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We provide this personal reference with our sincere appreciation for all your individual hard work after our hi-end restaurant suffered a fire. We cannot thank you enough for your diligence and assurance to get us through our nightmare with very deliberate and well thought out claims adjustment and negotiations to a very satisfactory resolution. With your efforts, we are a thriving business now with restaurants across the US and internationally ... I intend to introduce you and Sunpoint to anyone that suffers a complicated insurance claim. As always, looking forward to seeing you soon.

Antonio Castillo - Owner

Limon Rotisserie

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Your team is amazing. The work you did for us when the house flooded was beyond our expectations. The insurance company wanted to simply dry some rooms and turn a blind eye to the damage. You and your team made sure they paid us everything necessary to bring our home and studio back. (Well in excess of seven figures). ... now we have reached out again to help us with insurance issues with the guitar collection. Thank you for everything.

Stephen Stills - Musician
Crosby, Stills, Nash & Young

Kelly Johnson - Manager Gold Hill Music

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We hired Sunpoint to represent us following a fire to our residence. The fire resulted in a total loss of the structure and its contents. To say the least, Tony professionally and outrightly represented us with our claim relieving us of the stress associated with the claim process.

Bill Morse - Sonora, CA

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We’re so thankful for the advice, expertise, and hard work of SunPoint Public Adjusters in bringing our insurance claim to a successful conclusion. Following the Glass Fire, our insurance claim and policy were complicated. However, they understood exactly what compensation we were entitled to and ensured we secured sizable advances throughout the process to keep our business running. Our final settlement and peace of mind were worth it. We recommend SunPoint Public Adjusters to anyone facing similar circumstances.

Chris & Ashley Jambois

Black Sears Winery

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I just want to tell you how grateful I am for you and all the education you gave to me ... you urged me time and time again that damage might not show up for many years ... I didn’t really understand or grasp how right you could be ... right now, we (as you suggested) are ripping out our entire kitchen ... you were right ... clearly there is mold which manifested from smoke damage.

Todd Blue

Woolsey Firestorm, Malibu, CA

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Your expertise and knowledge around an insurance policy undoubtedly surpassed my expectations. You were not only able to maximize our recovery but exceeded our limits of coverage, so we were able to get our business back up and running. A simple "Thank You" will never be enough.

Steve Peterson President & CEO

Upper Valley Disposal Company, St. Helena, CA

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The expertise that SunPoint provided us with in preparing the estimates for repair and restoration for our home, artwork, and landscaping, was nothing we could have done on our own.

Roger Burch - Healdsburg, CA

Pacific States Industries, Inc.

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I am glad we had the sense to make the prudent decision to obtain professional help from you and your team to help spearhead the claim to resolution. We are very happy with the result.

Dr. Corey Plaster, DDS

5th Ave Dental, Spokane, WA

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Without reservation, I cannot praise you and your company, SunPoint Public Adjusters, enough. You have personally "stepped up to the plate" and provided us with excellent service, expert advice, and guidance every step of the way during this complicated ordeal.

Terance Frazier

TFS Investments LLC, Fresno, CA

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Your representation on our behalf, so soon after the fire hit, was arguably the best decision we could have made. Your expertise and understanding of the situation we found ourselves in was a huge relief from the stress of trying to understand and manage a process we were not prepared for.

Jinny Rudd - St. Helena, CA

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Thank you for your professionalism, expertise, and necessary tenacity to push for what I deserved. Having you and the SunPoint team on my side was the best decision I could have made. Please feel free to pass on my information to anyone that needs that "wake-up call" to entrust professionals like SunPoint to represent them on a business damage claim.

Hyuntae Kim

Mountain Mike's Pizza

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Hilary and I cannot thank you enough for the unbelievable result that you obtained for us after the Woolsey Firestorm. We are extremely savvy individuals and have been in medicine and business for years. We thought we had the matter under control. When Travelers offered us about $100,000 for our damages, we knew this was beyond our expertise. There were several large firms that approached us. When we met you, we knew with your legal background and decades in insurance you were the perfect fit. We were spot on.

Myo Aung, M.D.

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I would like to express my appreciation for the excellent job you and your team did in resolving our major collapse loss. Your advocacy and counsel allowed our family peace of mind to concentrate on my personal affairs and work. My insurance company initially wrongfully denied the claim and then hired lawyers to fight the claim off. You never got intimidated and remained adamant to secure the settlement that we were entitled to. With your lead, your team of experts quantified the claim accurately, fought hard to confirm coverage, and resolved the matter to our satisfaction. 

Amir Shahmirza, PE - Principal & President

ASI Consulting Enterprises

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In my years as a top executive in the entertainment industry, I have negotiated countless transactions in the tens of millions of dollars without hesitation.

When our home and property were damaged by the Woolsey Fire, we thought our insurer would be there to help us in our time of need. I was sadly mistaken. Even though we were premier clients in their "VIP group", the moment we filed our claim we found ourselves in a pitched battle to receive the promised coverage for our extensive damages. I learned that insurance policies and claims are an esoteric world of their own, and that we needed professional representation to help us against our own insurance company. I am glad to have had you and SunPoint as sophisticated experts to combat my insurance company and advocate for our rights. We are extremely grateful and satisfied with the ultimate resolution of our claim.

Hutch Parker - President

Fox Studios

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We are incredibly grateful to have you as our advocate and friend in need. I would recommend you and your company, without quantification, to the most discerning estate owner. Your experience and insurance industry knowledge surpassed my expectations and our claim was handled beyond our satisfaction. Your expertise in settling our claim with the insurance company resulted in an increase of 392% of our original insurance settlement.

Again, thank you and SunPoint for the outstanding results. I will happily recommend you and SunPoint to anyone who has to go through the torture of dealing with an insurance company. Please feel free to utilize me as a personal, positive reference for your future clients.

Frankie Valli - Santa Monica, CA

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Your knowledge and expertise in understanding insurance policies and interacting with the insurance company on my behalf were instrumental in Redwood Northwest claiming and receiving reimbursement for all entitlements due to the loss from the fire. 

I could not be more appreciative and pleased with the final monetary outcome your representation brought to my company. 

Thomas Christian - Owner

Redwood Northwest

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With your expertise and insurance industry knowledge, our claim was handled beyond our satisfaction. Your interaction with the adjusters resulted in a very favorable resolution. Your fees were extremely reasonable. We think everyone with an insurance claim must have you and Sunpoint Public Adjusters, Inc. on their side when dealing with an insurance company. Again, thank you for everything. We will happily recommend you and your firm anytime.

Steve Belinfante - CEO

Premier Funding

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We were devastated when San Francisco City Hall Flooded from the 4th floor to the basement during the filming of Bicentennial Man. Luckily I knew Gregg. His team came in and navigated everything from the emergency work, to ultimate repairs, took charge of the Insurance companies for both us and Walt Disney and made sure everyone was made whole. When another building had a fire a year later, we knew who to call. Thank you!

Kerry Painter - Manager

San Francisco City Hall

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Thank you and your team of experts for a great job on our insurance claim. We are so glad we to have met with you and other members of your team after our family home was devastated by the Woolsey Firestorm in 2018. Being an attorney, I have dealt with many complex legal and business issues in my career. Relatively quickly in the process, we realized that the insurance company was going to drag their feet and find ways to reduce the amount owed. With your help, we leveled the playing field and fought to obtain our limits of coverage so we could rebuild our property. I am glad we retained your services to advocate on our behalf, as I truly believe we could not have made it through successfully without you ... The insurance company hired an army of consultants including a construction consultant, a hygienist, a testing company, an engineering firm, and a restoration company, all with the goal of minimizing what was owed to us. You were able to go toe-to-toe with all their various consultants and your efforts resulted in an amount more than double of what the insurance company initially offered. The contingency cost of your services was well worth the time, effort, and results you obtained ... Thank you for all your hard work. I will happily recommend you and your firm anytime. Please feel free to utilize me as a reference for future clients.

Mindy Sheps, Esq.

Law offices of Wolf, Rifkin, Shapiro, Schulman
& Rabkin, LLP

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My family lost our family home in the 2017 October Wine Country Fire, specifically the Tubbs fire which killed 22 people and destroyed approximately 5000 homes in the Santa Rosa area. I was very fortunate to be introduced to Tony and Gregg by a close friend in the weeks after the fire. We were given our absolute maximum payout from the insurance company because of IPA/Sunpoint. There is no doubt in my mind that they are worth many times their fee in terms of what they were able to ensure we received, and just as importantly, in terms of the security and confidence they provided my family during this difficult time. It was a great feeling to know we had an experienced team behind us.

Jerome & Naomi Ryan - Santa Rosa, CA

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I am happy to serve as a personal reference for the great work and results you got for us when our high-tech machine manufacturing facility burnt to the ground. While we are very proficient in business matters, the insurance arena and claims issues were beyond our expertise. We are happy we had you on our side negotiating with the insurance company for our best interests. We write this letter to you as an expression of our sincere personal thanks for your efforts and the tremendous results ... Please feel free to share my contact information with anybody considering hiring you and Sunpoint.

Herbert Schmidt - CEO

C& H Enterprises

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It is with great pleasure that I endorse the team at Sunpoint Public Adjusters. At the outset I assumed my insurance carrier was going to protect me, that was not the case. After I met with the Sunpoint team, I quickly figured out it is not the insurance company’s job to help you make a claim against them, they are working for their own self-interests. As a direct result of SunPoint's knowledge, years of experience, and attention to details, we received over 300% more than the amount our insurance company’s independent adjuster informed us we had coverage for. So, do yourself a favor and hire SunPoint immediately following damages that give rise to submitting an insurance claim.

Rod Dole - Owner

Harrison’s Marine & RV

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We had six properties that suffered tremendous damages from the Woolsey Firestorm. They were insured by multiple insurance companies. We knew that we were out of our element and would be taken advantage of by our insurers. We own one of the most successful real estate companies in Malibu, California and our business simply does not allow us time to successfully resolve such matters. I have heard the horror stories of what insurance companies do to their clients once they have a loss. I learned that this is very true. I thought that having paid my premiums for years they would be by my side. I was wrong! Accordingly, we placed our trust in your and SunPoint's capable hands.

They brought many consultants to reduce what was owed. With your determination, fortitude, meticulous attention to detail, and negotiation skills we overcame all obstacles. We could not have done this without you and your team of experts… You obtained the highest and best result possible. We happily paid your fees, which were nominal compared to the results achieved… We would happily recommend you and Sunpoint to anyone who has suffered a residential or commercial loss.

Christopher (Chris) Cortazzo - Owner

Malibu Real Estate – Compass

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They are very knowledgeable and thorough, you can rest assured that they will always have your best interests at heart and work diligently for the best possible outcome.

Mike Casey - CFO

Harris Ranch

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I tell my friends, I am not sure if they really walk on water ... but if not, they definitely know where the stones
are!

Evelyn Hilton - Palo Alto, CA
& The Hamptons, New York

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I would recommend your organization, without qualification, to the most discerning estate owners. Without your team, I would have had no idea how to navigate what we faced. Your impeccable and professional representation put our family in a position to have our home returned to the state it was in before the damage. You assured us that we would not end up with less than we had before the damage and you came through. SunPoint Public Adjusters is truly the best in the business.

Sapphire America, LLC

Indigo Motor Group

Central California

Corporate Office
1550 Parkside Drive, Suite 350
Walnut Creek, CA 94596
Phone: (888) 247-7865
CA License #2N14884

Southern California

Beverly Hills, California
8383 Wilshire Blvd., Suite 800
Beverly Hills, CA 90211
Phone: (310) 734-2223
CA License #2N14884

Bay Area 

San Francisco, California
1390 Market Street, Suite 200
San Francisco, CA 94102
Phone: (415) 503-9748
CA License #2N14884

South Bay

San Jose, California - The Almaden
99 South Almaden Blvd
San Jose CA 95113
Phone: (408) 622-1696
CA License #2N14884

Northern California

Sonoma/Napa/North Bay - California
Fountaingrove Center
3558 Round Barn Blvd. Suite 200
Santa Rosa, CA 95403
Phone: (707) 387-0600
CA License #2N14884

Portland, Oregon

River Park Center
205 SE Spokane Street, Suite 300
Portland, OR 97202
Phone: (503) 765-7338
OR License #3000478879

Honolulu, Hawaii

7 Waterfront Plaza
500 Ala Moana Blvd, Suite 400
Honolulu, HI 96813
Phone: (808) 638-2335

Phoenix, Arizona

Century Link Tower
20 East Thomas Road, Suite 2200
Phoenix, AZ 85012
Phone: (480) 586-3223
AZ License #3000505384

Eugene, Oregon

2295 Coburg Rd, Suite 101
Eugene, OR 97401
Phone: (503) 765-7338
OR License #3000478879

Meridian, Idaho

The Village at Meridian
3597 E Monarch Sky Lane
Suite F-240
Meridian, ID 83646
Phone: (208) 497-3110
ID License #716120

Naples, Florida

Tamiami Trail
4851 Tamiami Trail North, Suite 200
Naples, FL 34103
Phone: (239) 829-8389
FL License #W806479

Seattle, Washington

Columbia Center
701 5th Ave
Suite 4200
Seattle, WA 98104
Phone: (206) 274-7865
WA License #989665

San Antonio, Texas

Castle Hills
1100 N.W. Loop 410
Suite 700
San Antonio, TX 78213
Phone: (210) 247-2241
TX License #2495705

Dallas, Texas

Preston Commons Center
8117 Preston Rd, Suite 300
Dallas, TX 75225
Phone: (214) 775-0265
TX License #2495705

Salt Lake City, Utah

Salt Lake City Center
222 S. Main St.,
Suite 500
Salt Lake City, UT 84101
Phone: (801) 845-4944
UT License #715212

Las Vegas, Nevada

2300 West Sahara Ave.,
Suite 800
Las Vegas, NV 89102
Phone: (702) 789-4970
NV License #3425646

Denver, Colorado

Cherry Creek
100 Filmore Street
5th Floor
Denver, CO 80206
Phone: (303) 217-2347
CO License #642320

Albuquerque, New Mexico

500 Marquette Ave NW #1200
Albuquerque, NM 87102
Phone: (575) 201-9535
NM License #3000517681

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AAHOA - Asian American Hotel Owners Association logo
California Fresh Fruit Association logo

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SunPoint Members Helping Policyholders for 13 Years

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