Whether the letter of 2 November 2016 was an appeal against the AI office's act of 27 September 2016.
No. Given the ambiguity of the prior act and the absence of appeal instructions, the insured could reasonably treat it as a draft decision and file observations instead of an appeal.
The office's act, despite its label, had the content of a draft decision and announced a later appealable decision. Under good faith and the duty to transmit misdirected filings, the insured was entitled to submit observations; the office had to decide on them.