Claim Rep.: Jeff Erekson, AIC Business: (801) Position: Property Claims Adjuster

Transcription

1 1 Insured: Property: Ricky Lucas 2834 Hayne Stretch Rd Roseboro, NC Claim Rep.: Jeff Erekson, AIC Business: (801) Position: Property Claims Adjuster Company: Business: 20 Birch St Old Saybrook, CT Estimator: Jeff Erekson, AIC Business: (801) Position: Property Claims Adjuster Company: com Business: 20 Birch St Old Saybrook, CT Claim Number: Policy Number: GT Type of Loss: Hurricane Date Contacted: 11/1/2016 Date of Loss: 10/8/2016 Date Received: 11/1/2016 Date Inspected: 11/3/2016 Date Entered: 11/3/ :57 PM Date Est. Completed: 11/3/ :32 PM Price List: NCFA8X_NOV16 Restoration/Service/Remodel Estimate:

2 2 Dear Mutual Member; An independent adjuster, not the insurance company has prepared this estimate and claim report. This estimate and our recommendations are based upon our inspection as well as the information and documentation supplied by the insured at the time of our inspection. This is a repair estimate. The insurance policy may contain provisions that may reduce any payment that might be made. Receipt of a copy of this estimate is not to be interpreted as an acceptance of liability. All estimate figures are subject to company review and approval. This is not an authorization to repair. Authorization to repair or guarantee of payment must come from the owner of the property. Sawgrass Mutual Insurance Company assumes no responsibility for the quality of repairs that are conducted. A copy of this document does not constitute a settlement of this claim. The line item estimate is subject to Sawgrass Mutual Insurance Company s approval. Florida (10)(b) Any person who, knowingly and with the intent to injure, defraud, or deceive any insurer files a statement of claim or application containing any false, incomplete, or misleading information is guilty of a felony in the third degree. In accordance with the Mortgagee Clause provision of your policy, the Mortgage Company or Lien holder may be included as a payee. Since each mortgage company has different procedures for endorsing the payment, we suggest that you contact the mortgage company or lien holder directly to determine their procedures for handling insurance claim payments. If the contractor s estimate is greater or there are additional damages found, prior to signing any contracts or proceeding with the work, we ask you to present the contractor s itemized estimate to us for review. Please make sure to include your name and claim number on any paperwork submitted You can fax documentation to: You can it to: CatClaims@sawgrassmutual.com Or you can mail it to us at: Sawgrass Mutual Insurance Company 1000 Sawgrass Corporate Parkway, Suite 100 Sunrise, FL If you have any questions, please contact our Customer Service Center at for assistance. PLEASE NOTE: Sawgrass Mutual Insurance Company must have the opportunity to evaluate the supplemental request prior to work being completed, for any supplemental consideration to be given. In addition, if the building department requires code upgrades for the repair of covered damages, and if your policy provides coverage for Ordinance or Law, please forward the documentation from the building department to Sawgrass Mutual Insurance Company for consideration. Any payments under the policy for Ordinance or Law items are based on an incurred basis /3/2016 Page: 2

3 Exterior 29' 7" 10' 20' 4" 10' 4" 4" 10' 2" 10' 2" F3 (A) F4 (B) 4' 8" F1 (A) Main Roof 15' 14' 10" Main Roof Surface Area Total Perimeter Length Number of Squares Total Ridge Length F2 (B) 15' 14' 10" DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV 1. 3 tab - 25 yr. - comp. shingle roofing SQ , (0.00) 1, w/out felt 2. 3 tab - 25 yr. - comp. shingle roofing SQ , (1,390.76) 2, w/out felt 3. Roofing felt - 15 lb SQ (171.20) Continuous ridge vent - shingle-over LF (135.83) style 5. Roof vent - Detach & reset 4.00 EA (0.00) Flashing - pipe jack 3.00 EA (33.56) Drip edge LF (139.47) Sheathing - plywood - 1/2" CDX SF , (73.91) Batt insulation - 6" - R19 - unfaced batt SF (38.39) Totals: Main Roof , , , , Rear Elevation Height: 4" Front Front Elevation Door (A1) 8' 6" 8" Windows2 Rear (A4) Door Rear Windows 64' 2" Elevation (A1) Windows1 (A2) (A3) SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV 10. Siding - vinyl SF , (528.87) 1, Includes: Vinyl siding, starter strip, under sill trim, j-trim, inside and outside corner posts, 16 gauge staples, and installation labor. Labor cost to remove siding and to discard in a job-site waste receptacle. Quality: Average grade, up to.044" thickness, standard colors and patterns. Note: Generally, a contractor will have and use standard ladders, jacks, and plank scaffolding as part of their normal equipment toolset, and as such, the labor yield assumption addresses the average time necessary for normal one or two story applications, including the set up and use of this equipment as needed, where the ladder scaffold platform does not exceed 20'. The main material component for this item includes an assumed waste factor of 10%. Totals: Rear Elevation , , /3/2016 Page: 3

4 4 Left Elevation Height: 4" 4" 27' 2" 27' 7" Left Elevation Side Door (A1) 27' 10" 28' 8' 6" 8' 8" SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Subroom: Upper Area (1) Height: 4" 14' 11" 27' 2" 27' 7" 15' 14' 11" SF Walls SF Walls & Ceiling 8.51 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Missing Wall 27' 2 5/16" X 4" Opens into LEFT_ELEVATI DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV 11. Siding - General Laborer - per hour 5.00 HR (0.00) Reset and make basic repairs to the left side. Totals: Left Elevation Right Elevation Height: 4" 4" 27' 2" 27' 7" Right Elevation 27' 10" 28' 8' 6" 8' 8" SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Subroom: Upper Area1 (1) Height: 4" 14' 11" 27' 2" 27' 7" 15' 14' 11" SF Walls SF Walls & Ceiling 8.51 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Missing Wall 27' 2 5/16" X 4" Opens into RIGHT_ELEVAT DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV 12. Siding - vinyl SF , (350.61) 1, Totals: Right Elevation , , /3/2016 Page: 4

5 5 Total: Exterior , , , , Debris Removal DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV 13. Dumpster load - Approx. 12 yards, EA (0.00) tons of debris Totals: Debris Removal Line Item Totals: , , , , Grand Total Areas: SF Walls 1, SF Ceiling 1, SF Walls and Ceiling 1, SF Floor SY Flooring LF Floor Perimeter 0.00 SF Long Wall 0.00 SF Short Wall LF Ceil. Perimeter 1, Floor Area 1, Total Area Interior Wall Area Exterior Wall Area Exterior Perimeter of Walls 1, Surface Area Number of Squares Total Perimeter Length Total Ridge Length 0.00 Total Hip Length /3/2016 Page: 5

6 6 Summary for Dwelling Line Item Total 10, Material Sales Tax Subtotal 10, Overhead 1, Profit 1, Replacement Cost Value $13, Less Depreciation (2,862.60) Actual Cash Value $10, Less Deductible (250.00) Net Claim $10, Total Recoverable Depreciation 2, Net Claim if Depreciation is Recovered $12, Jeff Erekson, AIC Property Claims Adjuster /3/2016 Page: 6

7 7 Recap of Taxes, Overhead and Profit Overhead Profit (10%) Material Sales Laundry & Manuf. Home Storage Rental Local Food Tax Total Sales Tax (10%) Tax (7%) D/C Tax (7%) Tax (2%) Tax (7%) (2.25%) (7%) Line Items Total 1, , , , /3/2016 Page: 7

8 8 Recap by Room Estimate: Area: Exterior Main Roof 7, % Rear Elevation 1, % Left Elevation % Right Elevation 1, % Area Subtotal: Exterior 10, % Debris Removal % Subtotal of Areas % 10, Total 10, % /3/2016 Page: 8

9 9 Recap by Category with Depreciation O&P Items RCV Deprec. ACV GENERAL DEMOLITION 2, , INSULATION ROOFING 5, , , SIDING 2, , O&P Items Subtotal 10, , , Material Sales Tax Overhead 1, , Profit 1, , Total 13, , , /3/2016 Page: 9

10 Listed Address This was the address listed on the loss notice. It is actually the address for the insureds mother. 2 2-Listed Address Home This is the home located at 169 Hitching Post Rd. Clearly it is not a mobile home /3/2016 Page: 10

11 Front Elevation Broad view of the front elevation. No damages. 4 4-Right Elevation Wind damage to the siding on the upper right corner /3/2016 Page: 11

12 Right Elevation Wind damage to the siding on the upper right corner 6 6-Right Elevation Wind damage to the siding on the upper right corner /3/2016 Page: 12

13 Right Elevation Wind damage to the siding on the upper right corner 8 8-Right Elevation The fascia is slightly detached but not damaged /3/2016 Page: 13

14 Rear Elevation Broad view of the elevation Rear Elevation Broad view of the elevation /3/2016 Page: 14

15 Rear Elevation Wind damage to the left corner Rear Elevation Wind damage to the left corner /3/2016 Page: 15

16 Rear Elevation Close up of the wind damaged siding Left Elevation Broad view /3/2016 Page: 16

17 Left Elevation Broad view Left Elevation No real damage to siding. It has just shifted. Only labor hours are needed to re-attach /3/2016 Page: 17

18 Left Elevation No real damage to siding. It has just shifted. Only labor hours are needed to re-attach Left Elevation No real damage to siding. It has just shifted. Only labor hours are needed to re-attach /3/2016 Page: 18

19 Left Elevation No real damage to siding. It has just shifted. Only labor hours are needed to re-attach Roof Specs 2/12 pitch /3/2016 Page: 19

20 Roof Specs 20 year - 3 tab shingle Roof Specs Single Layer of shingles /3/2016 Page: 20

21 Roof Slopes Broad view of the roof slopes. There are clearly wind damages Roof Slopes Broad view of the roof slopes. There are clearly wind damages /3/2016 Page: 21

22 Roof Slopes Broad view of the roof slopes. There are clearly wind damages Roof Slopes Broad view of the roof slopes. There are clearly wind damages /3/2016 Page: 22

23 Roof Damages Damage to the sheathing. It has been exposed Roof Damages Damage to the sheathing. It has been exposed /3/2016 Page: 23

24 Roof Damages Damage to the sheathing. It has been exposed Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes /3/2016 Page: 24

25 Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes /3/2016 Page: 25

26 Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes /3/2016 Page: 26

27 Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes /3/2016 Page: 27

28 Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes Roof Damages Close up of the roof shingles. There are clearly damages on both the front and rear slopes /3/2016 Page: 28

29 29 Exterior 10' 4" 10' 2" 20' 4" 10' 4" 10' 2" 66' 14' 6" F4(B) F3(A) F1(A) 15' 14' 10" 29' 7" 4' 8" Main Roof F2(B) 15' 14' 10" 64' 2" 64' 3' 2" Front Elevation Front Door (A1) 7' 8' 6" 8' 8" 3' Windows2 (A4) 3' 11" 5' 2" Rear Door (A1) Rear Elevation Windows (A2) 7' 1" 3' 3' 11" 3' Windows1 (A3) 3' 11" 8' 6" 8' 8" 14' 11" 14' 11" 15' 14' 11" 4" 27' 2" 27' 7" 15' 14' 11" 3' 2" Left Elevation Side Door (A1) 7' 8' 6" 8' 8" 4" 27' 2" 27' 7" Right Elevation 8' 6" 8' 8" 27' 10" 28' 27' 10" 28' Exterior /3/2016 Page: 29

30 30 Sketch Roof Annotations Exterior Face Square Feet Number of Squares Slope - Rise / 12 F F F Estimated Total: 1, /3/2016 Page: 30