At Facility Association, decisions are made in accordance with the rules set out in the
Facility Association Rules and Rates Manual or the Plan of Operation. On occasion,
consumers may request that a decision be arrived at or revisited based on individual
circumstances.

In such instances, these are the steps to be taken:

1. Contact your agent/broker and explain why you feel the decision on your policy
   should be different. Your agent/broker will review the decision with the insurer
   and let you know the outcome. It may be there is a misunderstanding that can be cleared up at this point.
    
2. If the decision remains unchanged, document the request and include any
   additional information or exhibits. Send a copy of your documentation to your
   insurer. (Your agent/broker can help with this.)
    
3. If the situation is not resolved, request that your insurer forward a copy of your
   documentation to Facility Association Head Office. It will be forwarded to the
   appropriate Provincial Operating Committee for discussion and resolution.
   
   You will be advised of the decision. NOTE: A copy of your documentation
   will be provided to the Servicing Carrier.

NOTE: All appeals must adhere to these steps in the order outlined.