RYZE Phone Fax FINAL REPORT 02/08/2017

Transcription

1 RYZE Phone Fax FINAL REPORT 02/08/2017 TO: UPC Insurance - Symbility Attn: John Grab Saint Petersburg, FL Phone: (888) DATE ASSIGNED 01/30/2017 DATE CONTACTED 01/31/2017 DATE INSPECTED 02/02/2017 CLAIM # OUR FILE # TYPE OF LOSS WATER DATE OF LOSS 12/30/2016 INSURED Caparros, Anne-Marie 7 Fowler Ave. Ronkonkoma, NY LOSS LOCATION 7 Fowler Ave. Ronkonkoma, NY ENCLOSURES Narrative Report Estimate Sketch Photos COVERAGE INFORMATION POLICY: NYH POLICY TERM: - 10/21/2016 to 10/21/2017 A) Dwelling INSURANCE: $272,000 DEDUCTIBLE: $2500 RESERVES Cov. A: $20,000

2 RISK This is a framed split ranch styled home currently occupied and in very good condition. It was built in and is 2000 square feet. CAUSE OF LOSS The date of loss is 12/30/2016. The cause of loss is water damage due to a slab leak in the finished basement. ADJUSTER NARRATIVE I inspected the loss on 2/2/2017 and again on 2/7/2017 with the insured- Mrs. Caparros present and on the second inspection Mrs. Caparros and her contractor present. The insured suffered a water damage loss due to a slab leak in the finished basement. The initial inspection showed an opening to fix the piping to be apprx. 5 feet, but the water was still leaking and the contractor had to open up apprx. 30 ft. of slab to get to the damaged waste pipe. The pipe was rotted in several areas along this stretch. The plumbing repair bill and the access charge to get to the pipe will be forwarded from the plumber once received. The billing for the plumbing repair and access to the pipe was apprx. $4-5,000. I have added to my estimate the replacement and additional cutting needed to repair the slab and fill in the trench. This portion of the repair will not be on the plumbers invoice. The damages are to the finished basement. It encompasses several rooms. Oil tank room- slab replaced, and floor painted. Main room- the replacement of carpet and pad, drywall, part of wall that was removed, slab replacement, doors that were damaged as well as trim and painting. Closet- carpeting Laundry room- flooring slab replaced and painted. Stairway- carpeting replaced as well as padding. Rear room- the vinyl floor, molding, drywall, and faux painting. The inspection report was uploaded to the Symbility estimate. SETTLEMENT The following summarizes the loss: Replacement Cost settlement: $12, Less depreciation: $1, Actual Cash Value settlement: $11, Less Deductible: $2,500 Net Claim: $8, If you are in agreement with my findings and coverage is afforded for this loss, I recommend settlement based on the above figures. SUBROGATION There is no subrogation as the age of the pipe is the cause of loss. SALVAGE There is no salvage as all materials were damaged. FUTURE ACTIVITY There is no future activity needed from the Ryze adjuster. Bill Grant Claims Adjuster (631) Bill.Grant@ryzeclaims.com RYZE Claim Solutions

3 Ryze Claim Solutions North Dallas Parkway Dallas, TX Description Quantity Unit Price Per RC Age/Life Depreciation ACV ESTIMATE: Structure (Ryze - Adjusters) Claim #34659, Anne-Marie Caparros Ready for Review FLOORPLAN: basement General Items 1 Trucking & Hauling, 1/2 Ton 1 $ LD $ $0.00 $ General Items - Subtotal $ oil tank room Length: 6' Width: 6'5" Height: 8' Flat Walls: SF Walls-subs: SF Walls-subs-cas-bsbd: SF Doors: SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 0.00 SF Floor: SF Ceiling: SF Perim (F): LF Perim (C): LF 2 Remove - Concrete Slab, Non-Reinforced 6" 3 Replace - Concrete Slab, Non-Reinforced 6" $3.12 SF $56.16 $0.00 $ $5.37 SF $ /90 $21.92 $79.57 Includes 5% waste on quantity. 4 Floor Leveler, Cement Based Light $3.56 SF $ /100 $34.73 $ Includes 10% waste on quantity. 5 Paint - Concrete Floor, Painting $1.61 SF $ /10 $5.59 $ Rem/Reset - Contents Medium 1 $68.49 RM $68.49 $0.00 $ Laborer's Rate 2 $45.66 HR $91.32 $0.00 $91.32 General laborer rate per hour. additional labor to manually carry in sand and cement from outside down to basement oil tank room - Subtotal $ main room Length: 17'4" Width: 14'2" Height: 8' Flat Walls: SF Walls-subs: SF Walls-subs-cas-bsbd: SF Doors: SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: SF Floor: SF Ceiling: SF Perim (F): LF Perim (C): LF 8 Remove - Carpet Pad, Good $0.25 SF $56.81 $0.00 $ Replace - Carpet Pad, Good $0.65 SF $ /10 $34.09 $ Remove - Carpet, Wall to Wall, Good 11 Replace - Carpet, Wall to Wall, Good $0.31 SF $70.44 $0.00 $ $3.58 SF $ /10 $ $ Includes 10% waste on quantity. 12 Saw Cutting (LF) $2.35 LF $84.60 $0.00 $ Remove - Concrete Slab, Non-Reinforced 6" $3.12 SF $ $0.00 $ Claim Page 1 of 10 02/08/2017

4 Ryze Claim Solutions North Dallas Parkway Dallas, TX Description Quantity Unit Price Per RC Age/Life Depreciation ACV ESTIMATE: Structure (Ryze - Adjusters) Ready for Review main room(con't) 14 Replace - Concrete Slab, Non-Reinforced 6" Includes 5% waste on quantity. Claim #34659, Anne-Marie Caparros $5.37 SF $ /90 $51.15 $ Laborer's Rate 8 $45.66 HR $ $0.00 $ General laborer rate per hour. additional labor needed to manually carry cement and sand from outside to basement. Have to manually carry down and hand fill the trench. 16 Remove - Drywall, Wall 1/2", Taped 17 Replace - Drywall, Wall 1/2", Taped $0.38 SF $15.20 $0.00 $ $1.83 SF $ /75 $7.29 $70.30 Includes 6% waste on quantity. 18 Remove - Stud Wall (SF) 2"x4" - 16" OC 19 Replace - Stud Wall (SF) 2"x4" - 16" OC $0.79 SF $22.12 $0.00 $ $2.24 SF $ /100 $4.35 $61.51 Includes 5% waste on quantity. 20 Remove - Door, Interior, Pre-Hung Flush, w/casing 21 Replace - Door, Interior, Pre-Hung Flush, w/casing 22 Paint - Door Only, Interior Lauan, Flush 23 Remove - Base Molding Colonial, 4 1/2", Hardwood 24 Replace - Base Molding Colonial, 4 1/2", Hardwood 1 $28.06 EA $28.06 $0.00 $ $ EA $ /50 $28.36 $ $29.03 EA $ /12 $3.76 $ $0.41 LF $5.74 $0.00 $ $4.78 LF $ /100 $4.91 $66.02 Includes 6% waste on quantity. 25 Paint - Base Molding Colonial, 4 1/2", Hardwood $1.48 LF $ /12 $1.14 $ Paint - Prime Room Roller $0.54 SF $ /12 $1.17 $ Paint - Mask & Paint Walls 2 Coats, Roller 28 Paint - Casing (LF) Colonial, 2 1/2" 29 Remove - Door, Closet, Bi-Fold, Panel 4' 30 Replace - Door, Closet, Bi-Fold, Panel 4' 31 Rem/Reset - Door, Closet, Bi-Fold, Panel 4' $1.10 SF $ /12 $25.96 $ $1.39 LF $ /12 $0.70 $ $19.63 EA $19.63 $0.00 $ $ EA $ /50 $41.20 $ $61.64 EA $61.64 $0.00 $ Paint - Door Only, Bypass Panel 2 $56.01 EA $ /12 $6.83 $ Rem/Reset - Contents Large 1 $91.32 RM $91.32 $0.00 $91.32 main room - Subtotal $3, Claim Page 2 of 10 02/08/2017

5 Ryze Claim Solutions North Dallas Parkway Dallas, TX Description Quantity Unit Price Per RC Age/Life Depreciation ACV ESTIMATE: Structure (Ryze - Adjusters) Ready for Review Claim #34659, Anne-Marie Caparros Closet Length: 3'8" Width: 4' Height: 8' Flat Walls: SF Walls-subs: SF Walls-subs-cas-bsbd: SF Doors: SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 0.00 SF Floor: SF Ceiling: SF Perim (F): LF Perim (C): LF 34 Remove - Carpet Pad, Good $0.25 SF $3.67 $0.00 $ Replace - Carpet Pad, Good $0.65 SF $9.53 5/10 $2.20 $ Remove - Carpet, Wall to Wall, Good 37 Replace - Carpet, Wall to Wall, Good $0.31 SF $4.55 $0.00 $ $3.58 SF $ /10 $21.15 $36.63 Includes 10% waste on quantity. 38 Rem/Reset - Contents Small 1 $45.66 RM $45.66 $0.00 $45.66 Closet - Subtotal $97.84 Laundry Room Length: 7' Width: 4' Height: 8' Flat Walls: SF Walls-subs: SF Walls-subs-cas-bsbd: SF Doors: SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 0.00 SF Floor: SF Ceiling: SF Perim (F): LF Perim (C): LF 39 Remove - Concrete Slab, Non-Reinforced 6" 40 Replace - Concrete Slab, Non-Reinforced 6" $3.12 SF $37.44 $0.00 $ $5.37 SF $ /90 $14.62 $53.04 Includes 5% waste on quantity. 41 Laborer's Rate 2 $45.66 HR $91.32 $0.00 $91.32 General laborer rate per hour. additional labor to manually bring sand and cement from outside to basement. 42 Floor Leveler, Cement Based Light $3.56 SF $ /100 $25.26 $84.39 Includes 10% waste on quantity. 43 Paint - Concrete Floor, Painting $1.61 SF $ /10 $4.06 $ Rem/Reset - Dryer, Electric Good 45 Rem/Reset - Washer, Electric Good 1 $44.50 EA $44.50 $0.00 $ $54.33 EA $54.33 $0.00 $54.33 Laundry Room - Subtotal $ Claim Page 3 of 10 02/08/2017

6 Ryze Claim Solutions North Dallas Parkway Dallas, TX Description Quantity Unit Price Per RC Age/Life Depreciation ACV ESTIMATE: Structure (Ryze - Adjusters) Ready for Review Stairway Claim #34659, Anne-Marie Caparros Length: 3' Width: 5'2" Height: 16'8" Flat Steps: 12 Rise/run: 8" x 6" Step surface: SF Walls: SF Walls-subs: SF Walls-subs-cas-bsbd: SF Doors: 0.00 SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: SF 46 Remove - Carpet Pad, Good $0.25 SF $11.13 $0.00 $ Replace - Carpet Pad, Good $0.65 SF $ /10 $6.68 $ Remove - Carpet, Wall to Wall, Good 49 Replace - Carpet, Wall to Wall, Good $0.31 SF $13.80 $0.00 $ $3.58 SF $ /10 $64.13 $ Includes 10% waste on quantity. 50 Rem/Reset - Base Molding Colonial, 4 1/2", Hardwood 51 Install Carpet on Stairway Skirtboard $1.39 LF $42.63 $0.00 $ $7.15 LF $ /8 $90.56 $ Includes 5% waste on quantity. 52 Replace - Carpet Steps, Install Only, Per Step Wrapped (Tucked) $12.30 EA $ /7 $0.00 $ Includes 10% waste on quantity. Stairway - Subtotal $ rear room Length: 8'7" Width: 9'6" Height: 8' Flat Walls: SF Walls-subs: SF Walls-subs-cas-bsbd: SF Doors: SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 0.00 SF Floor: SF Ceiling: SF Perim (F): LF Perim (C): LF 53 Remove - Floor Tile, Vinyl Good $0.92 SF $69.07 $0.00 $ Replace - Floor Tile, Vinyl Good $3.61 SF $ /25 $70.37 $ Includes 10% waste on quantity. 55 Floor Leveler, Cement Based Light $3.56 SF $ /100 $16.93 $ Includes 10% waste on quantity. 56 Saw Cutting (LF) $2.35 LF $37.60 $0.00 $ Remove - Concrete Slab, Non-Reinforced 6" 58 Replace - Concrete Slab, Non-Reinforced 6" $3.12 SF $65.52 $0.00 $ $5.37 SF $ /90 $25.58 $92.82 Includes 5% waste on quantity. 59 Laborer's Rate 8 $45.66 HR $ $0.00 $ Claim Page 4 of 10 02/08/2017

7 Ryze Claim Solutions North Dallas Parkway Dallas, TX Description Quantity Unit Price Per RC Age/Life Depreciation ACV ESTIMATE: Structure (Ryze - Adjusters) Claim #34659, Anne-Marie Caparros Ready for Review General laborer rate per hour. additional manual labor needed to transport concrete from outside to basement. Need to manually carry concrete and sand to the basement. 60 Remove - Drywall, Wall 1/2", Taped 61 Replace - Drywall, Wall 1/2", Taped $0.38 SF $6.46 $0.00 $ $1.83 SF $ /75 $2.07 $30.91 Includes 6% waste on quantity. 62 Remove - Base Molding, Resilient, Rubber 4" 63 Replace - Base Molding, Resilient, Rubber 4" $0.33 LF $8.58 $0.00 $ $3.37 LF $ /40 $6.82 $86.05 Includes 6% waste on quantity. 64 Paint - Prime Walls Roller $0.48 SF $ /12 $8.44 $ Labor and materials to prime walls. Includes 1 coat of primer. Cost reflects roller application. Includes the use of a brush or an edger to finish around windows and door openings, corners, trim, registers, etc.includes the use of reusable drop cloths. Does not include prep and masking or the removal and resetting of fixtures such as outlets/switch plates and registers. includes doors as doors were also faux painted 65 Paint - Painting, Faux Finish $5.15 SF $1, /12 $ $1, Rem/Reset - Contents Medium 1 $68.49 RM $68.49 $0.00 $68.49 rear room - Subtotal $2, basement - Subtotal $7, Claim Page 5 of 10 02/08/2017

8 Ryze Claim Solutions North Dallas Parkway Dallas, TX ESTIMATE: Structure (Ryze - Adjusters) Ready for Review FLOORPLAN: Floorplan Walls Walls and Ceilings Floors Floor Perimeter Ceilings Ceiling Perimeter Claim #34659, Anne-Marie Caparros Quantity 0.00 SF 0.00 SF 0.00 SF 0.00 LF 0.00 SF 0.00 LF FLOORPLAN: basement Walls Walls and Ceilings Floors Floor Perimeter Floor Surface (Stairs) Floor Perimeter (Stairs) Ceilings Ceiling Perimeter Quantity 1, SF 1, SF SF LF SF LF SF LF Recap by Area ACV Percentage rear room $2, % main room $3, % Stairway $ % oil tank room $ % Laundry Room $ % Closet $ % General Items $ % Total, all areas $7, % Recap by Category ACV Percentage APP - Appliances - APP - Washers / Dryers $ % CNC - Concrete/Asphalt - CNC - Drilling & Sawing $ % CNC - Concrete/Asphalt - CNC - Slabs $ % CPS - Contents - Packing, Handling, Storage $ % DMO - General Demolition $ % DOR - Doors - DOR - Bi-fold Doors $ % DOR - Doors - DOR - Flush Doors $ % DRY - Drywall - DRY - Ceiling & Walls $ % FCO - Floor Covering - FCO - Carpet $1, % FCO - Floor Covering - FCO - Vinyl $ % FNC - Finish Carpentry / Trimwork - FNC - Trims & Moldings $ % FRM - Framing & Rough Carpentry - FRM - Wall Framing $ % LAB - Labor Only $ % PNT - Painting - PNT - Doors & Windows $ % PNT - Painting - PNT - Other $ % PNT - Painting - PNT - Trims & Moldings $ % PNT - Painting - PNT - Walls $1, % Total, all categories $7, % Claim Page 6 of 10 02/08/2017

9 Ryze Claim Solutions North Dallas Parkway Dallas, TX ESTIMATE: Structure (Ryze - Adjusters) Ready for Review Claim #34659, Anne-Marie Caparros Recap by Coverage ACV Percentage Covg A-Dwelling $7, % Total, all coverages $7, % Claim Page 7 of 10 02/08/2017

10 Ryze Claim Solutions North Dallas Parkway Dallas, TX ESTIMATE: Structure (Ryze - Adjusters) Ready for Review Claim #34659, Anne-Marie Caparros MATERIALS Quantity Purchase Qty Total Base Molding Colonial, 4 1/2", Hardwood (Paint) LF n/a $2.73 Base Molding Colonial, 4 1/2", Hardwood (Rem/Reset) LF n/a $0.31 Base Molding Colonial, 4 1/2", Hardwood (Replace) LF n/a $49.12 Base Molding, Resilient, Rubber 4" (Replace) LF n/a $27.28 Carpet Pad, Good (Replace) SF n/a $85.92 Carpet, Wall to Wall, Good (Replace) SF n/a $ Casing (LF) Colonial, 2 1/2" (Paint) LF n/a $1.69 Concrete Floor, Painting (Paint) SF n/a $19.29 Concrete Slab, Non-Reinforced 6" (Replace) SF n/a $ Door Only, Bypass Panel (Paint) 2 EA n/a $16.38 Door Only, Interior Lauan, Flush (Paint) 3 EA n/a $9.03 Door, Closet, Bi-Fold, Panel 4' (Replace) 1 EA n/a $ Door, Interior, Pre-Hung Flush, w/casing (Replace) 1 EA n/a $ Drywall, Wall 1/2", Taped (Replace) SF n/a $25.98 Floor Leveler, Cement Based Light SF n/a $ Floor Tile, Vinyl Good (Replace) SF n/a $ Install Carpet on Stairway Skirtboard LF n/a $ Mask & Paint Walls 2 Coats, Roller (Paint) SF n/a $62.29 Painting, Faux Finish (Paint) SF n/a $ Prime Room Roller (Paint) SF n/a $2.80 Prime Walls Roller (Paint) SF n/a $20.25 Saw Cutting (LF) LF n/a $53.04 Stud Wall (SF) 2"x4" - 16" OC (Replace) SF n/a $21.76 Trucking & Hauling, 1/2 Ton 1 LD n/a $29.70 $3, LABOR Quantity Rate Total 1 CRPT & 1 CMTMAS & 1 LBR & 1 OLR ~3.51 hrs $68.52 $ CRPT & 1 LBR ~0.67 hrs $65.69 $ DRY & 1 PLSTR ~1.18 hrs $71.70 $ FINISH CARPENTER ~3.89 hrs $92.08 $ FINISH CARPENTER & 1 LABORER ~1.51 hrs $68.87 $ LABORER ~12.31 hrs $45.66 $ LABORER ~22.31 hrs $45.66 $1, PAINTER ~23.17 hrs $75.60 $1, PLUMBER & 1 LABORER ~0.78 hrs $69.91 $ LBR & 1 LBR FORE ~5.49 hrs $46.44 $ FLOORING INSTALLER ~15.82 hrs $72.36 $1, ~90.64 hrs $5, EQUIPMENT Quantity Total Concrete Slab, Non-Reinforced 6" (Remove) SF $35.34 Concrete Slab, Non-Reinforced 6" (Replace) SF $28.31 Saw Cutting (LF) LF $5.72 Trucking & Hauling, 1/2 Ton 1 LD $13.51 Claim Page 8 of 10 02/08/2017

11 Ryze Claim Solutions North Dallas Parkway Dallas, TX ESTIMATE: Structure (Ryze - Adjusters) Ready for Review Claim #34659, Anne-Marie Caparros $82.88 Claim Page 9 of 10 02/08/2017

12 Ryze Claim Solutions North Dallas Parkway Dallas, TX ESTIMATE: Structure (Ryze - Adjusters) Ready for Review Claim #34659, Anne-Marie Caparros Total Materials: $3, Total Labor: $5, Total Equipment: $82.88 Subtotal: $8, Adjustments for minimum charges (O&P and taxes are applied): Minimum Charge, Drywall 2 Trips: $ Minimum Charge, Carpenter, Finish: $71.69 Minimum Charge, Carpenter: $ Subtotal: $9, Add 10.00% overhead: $ Add 10.00% profit: $ Subtotal: $11, Sales Tax 8.625% (applies to materials, labor and O&P): $ Replacement Cost Value: $12, Replacement Cost on Coverage Covg A-Dwelling: $12, Less Recoverable Depreciation (includes taxes): $(1,322.47) Net ACV on Coverage Covg A-Dwelling: $11, Amount Payable on Coverage Covg A-Dwelling: $11, Net Coverage Covg A-Dwelling after Deductible if Depreciation Is Recovered: $12, Amount Payable on Coverage Covg A-Dwelling if Depreciation Is Recovered: $12, Deductible: $(2,500.00) Net Estimate: $8, Total Net Recoverable Depreciation: $1, Net Estimate if Depreciation is Recovered: $9, Finalization Claim Page 10 of 10 02/08/2017

13 Floorplan: Claim Page 1 of 2 02/08/2017

14 basement: pipe break 4' 3'8" Closet 4' 11'4" 7' Laundry Room 2'5" 6'5" 6' oil tank room 8'11" 8' 8' 8' 8'7" 14' 3' 6'11" rear room 9'6" main room 5'6" Stairway 2'6" 14'2" 3'4" 2'7" 6'1" 8' 8'8" water flow 5'2" 16'8" 4'8" 21'7" General Items 17'4" 8' Claim Page 2 of 2 02/08/2017

15 1 front 2 rear Claim Page 1 of 18 02/08/2017

16 3 rear 4 north side Claim Page 2 of 18 02/08/2017

17 5 south side 6 south side- debris from basement trenching Claim Page 3 of 18 02/08/2017

18 7 oil tank closet- wall with mold 8 oil tank closet- water damaged floor Claim Page 4 of 18 02/08/2017

19 9 oil tank closet- damaged floor 10 cause of loss- rotted pipe in slab Claim Page 5 of 18 02/08/2017

20 11 basement- main room- opened floor for damaged pipe 12 basement- main room- damaged pipe rotted Claim Page 6 of 18 02/08/2017

21 13 basement-main room remaining area 14 basement- main room damaged area Claim Page 7 of 18 02/08/2017

22 15 basement- main room- wall dry 16 basement- main room wall dry Claim Page 8 of 18 02/08/2017

23 17 basement main room- ceiling ok 18 basement- main room - carpet cut Claim Page 9 of 18 02/08/2017

24 19 basement- main room floor opened for pipe repair 20 basement- closet off main room Claim Page 10 of 18 02/08/2017

25 21 main room basement- second inspection- trench opened to laundry room 22 main room- trench to rear room Claim Page 11 of 18 02/08/2017

26 23 doors for laundry room removed 24 basement- second inspection- trench going from main room to rear room Claim Page 12 of 18 02/08/2017

27 25 second inspection- opened trench to rear room in basement 26 basement - rear room walls faux paint Claim Page 13 of 18 02/08/2017

28 27 basement rear room- view 28 basement rear room- flooring damaged Claim Page 14 of 18 02/08/2017

29 29 basement rear room- open trench to repair damaged pipe 30 door to rear room- damaged Claim Page 15 of 18 02/08/2017

30 31 main room second inspection opening trench for damaged pipe 32 trench opened for pipe repair Claim Page 16 of 18 02/08/2017

31 33 rear room- view 34 rear room- trench opened for repair Claim Page 17 of 18 02/08/2017

32 35 rear room- trenched for repair Claim Page 18 of 18 02/08/2017

33 CLAIM NO.:34659 Reinspection INSURED Policy No.: Date of Loss: Type of Loss: Deductible: Status: Year Built: Adjuster: Phone: Originated: DATES NYH /30/ :00 AM Water - Slab Foundation $2, Cat No.: John Grab (844) x1832 jgrab@worleyco.com Anne-Marie Caparros 7 Fowler Ave. Ronkonkoma NY Home phone: Business phone: Mobile phone: Bus. Fax: Contact: Loss address: 7 Fowler Ave. Ronkonkoma NY Claim Opened Age: 40d 18h Assignees: Bill Grant + 2 others 01/30/2017, 2:34 PM by John Grab (UPC Insurance) Created: 01/30/2017 Received: 01/30/2017 Inspected: 02/03/2017 Approved: Completed: Overall risk condition: INITIAL LOSS REPORT Assigned: 01/30/2017 Contacted: 01/31/2017 Estimated: Job Started: Closed: POLICY NYH Policy Type: Renewed: Effective from: (631) Home Owner Building time(s) 10/21/2016 to: 10/21/2017 Coverage Limits Deductible Reserve Covg A-Dwelling Outbuildings/APS Covg C-Contents ALE $272, $27, $136, $81, $6, CAUSE DAMAGES GENERAL COMMENTS DATE ASSIGNED 01/30/2017 DATE CONTACTED 01/31/2017 DATE INSPECTED 02/02/2017 Claim Page 1 of 3 02/08/2017

34 CLAIM # OUR FILE # TYPE OF LOSS WATER DATE OF LOSS 12/30/2016 INSURED Caparros, Anne-Marie 7 Fowler Ave. Ronkonkoma, NY LOSS LOCATION 7 Fowler Ave. Ronkonkoma, NY ENCLOSURES Narrative Report Estimate Sketch Photos COVERAGE INFORMATION POLICY: NYH POLICY TERM: - 10/21/2016 to 10/21/2017 A) Dwelling INSURANCE: $272,000 DEDUCTIBLE: $2500 RESERVES Cov. A: $20,000 RISK This is a framed split ranch styled home currently occupied and in very good condition. It was built in and is 2000 square feet. CAUSE OF LOSS The date of loss is 12/30/2016. The cause of loss is water damage due to a slab leak in the finished basement. ADJUSTER NARRATIVE I inspected the loss on 2/2/2017 and again on 2/7/2017 with the insured- Mrs. Caparros present and on the second inspection Mrs. Caparros and her contractor present. The insured suffered a water damage loss due to a slab leak in the finished basement. The initial inspection showed an opening to fix the piping to be apprx. 5 feet, but the water was still leaking and the contractor had to open up apprx. 30 ft. of slab to get to the damaged waste pipe. The pipe was rotted in several areas along this stretch. The plumbing repair bill and the access charge to get to the pipe will be forwarded from the plumber once received. The billing for the plumbing repair and access to the pipe was apprx. $4-5,000. I have added to my estimate the replacement and additional cutting needed to repair the slab and fill in the trench. This portion of the repair will not be on the plumbers invoice. The damages are to the finished basement. It encompasses several rooms. Oil tank room- slab replaced, and floor painted. Main room- the replacement of carpet and pad, drywall, part of wall that was removed, slab replacement, doors that were damaged as well as trim and painting. Closet- carpeting Laundry room- flooring slab replaced and painted. Stairway- carpeting replaced as well as padding. Rear room- the vinyl floor, molding, drywall, and faux painting. The inspection report was uploaded to the Symbility estimate. SETTLEMENT The following summarizes the loss: Replacement Cost settlement: $12, Less depreciation: $1, Actual Cash Value settlement: $11, Less Deductible: $2,500 Net Claim: $8,583.87

35 If you are in agreement with my findings and coverage is afforded for this loss, I recommend settlement based on the above figures. SUBROGATION There is no subrogation as the age of the pipe is the cause of loss. SALVAGE There is no salvage as all materials were damaged. FUTURE ACTIVITY There is no future activity needed from the Ryze adjuster. Bill Grant Claims Adjuster (631) Bill.Grant@ryzeclaims.com RYZE Claim Solutions