The following report that you are about to view was an actual claim.

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1 Time and material reports can be difficult to understand. Basically each item that is to be repaired or remodeled is listed. The costs of the material and the labor costs to install or removal of that item are listed separately. These items and costs are done room by room and aspects of interior or exterior are in there own category. The total costs are shown under each category and the grand total is shown at the end of the report. The more extensive the report - the amount of money increases. To get the full benefits with this type of report it should be written by a company with extensive construction and remodeling experience. It is necessary to compose this report in a professional manner so that is easily understood. The insurance company will make financial decisions on the bases of this report. The insurance company needs to understand the exact costs and where they located so they can provide the appropriate money. The costs involved must be indexed pricing pertaining to the area involved. There will be discussions with your insurance company for the amount of items that need to be replaced and the extent of these items. This is a very important aspect of getting the most money for you and your home. This needs to be handled in a professional manner by the company that represents you and your money. The following report that you are about to view was an actual claim. Before this report was written, the homeowner was offered seven thousand dollars by their insurance company to repair their home. As you view this report watch how the costs add up.

2 Inspections and Permits Inspection, site evaluation Building Permits charge Meeting with Insurance adjuster at job site TOTAL Inspectors and Permits Family Room: 19ft x 11ft 4" x 8ft H Closet: 4ft x 3ft x 8ft H Protect and seal off construction area, from start to final completion Ceiling tile removal, 24" x 24" 219 SF Ceiling tile removal, glued 219 SF Remove wood tongue & groove ceiling 219 SF Insulation batt removal 595 SF Carpet removal SF Carpet stair removal 5 Each T&G wood paneling wall tear-out 330 SF Baseboard removal 60 LF Door & window molding removal 2 LF Interior single door removal 2 Each " fluorescent fixture removal 1 Each Small ceiling fixture removal 2 Each Remove Romex wiring ceiling 70 LF Vinyl siding removal stairway 5 x 6 walls & ceiling 110 SF Plaster & gypsum lath tear-out 325 SF TOTAL 1, ,593.65

3 Doors and Trim 30" x panel interior door 2 Each Electrical Install electrical lines 3 Each Florescent fixture, 4'-0" (2 $40 2 Each Recessed fixture 2 Each Phone and antenna moving and reinstallation TOTAL Electrical , , Insulation Kraftback one face R /2 insulation 380 SF Kraftback one face R /4 insulation 219 SF Insulation total Interior Walls Knotty pine, v-joint paneling 410 SF 1, , /8" Fire code drywall closet 40 SF Plywood paneling 96 SF /2" drywall nailed, stairway 110 SF Install vinyl siding 110 SF TOTAL Interior Walls 1, , Ceiling Covering Gypsum drywall remodeling up to 300 SF , , plus for 1/2" drywall add SF " x 24".70 grid system ceiling SF TOTAL Ceiling Covering , ,352.78

4 Trim moldings 3-1/4" base trim 70.7 LF Pine shoe mold 70.7 LF Trim existing door, Solid 3-0 x Each TOTAL Trim moldings Floor Covering Interior carpeting with R30 padding@ $42/yd SF 2, , Painting Clean & disinfect inside walls for mold 928 SF Stain door trim 1 coat 2 Each Stain interior door 1 coat 2 Each Paint wood ceiling, prime and 1 coat 380 SF TOTAL Painting , Family Room 6, , , Recreation Room: 19ft x 9ft x 7ft 6"H Clean and store contents Porch ceiling removal 190 SF Wood siding, door, and window trim wall removal 100 SF Vinyl siding removal 95 SF Exterior wall removal 19 LF Carpet removal SF x6 floor joists & underlayment removal SF Insulation batt removal 100 SF Break up unreinforced slab 225 SF 1, , TOTAL 3, ,212.10

5 Excavation Excavate dirt, gravel or topsoil 38 CF Concrete 48" deep footing, ADD per LF 19 LF " exterior concrete slab 225 SF , , Concrete , , Floor Framing Install floor joists over footings 171 SF T & G 3/4" subfloor 171 SF TOTAL Floor Framing , Wall Framing Install aluminum framed wall, with 2 windows & aluminum doorwall 160 SF 3, , Roofing, Flashing Metal roof 2, , , Sidings 1/2 x 6 beveled wood siding, window & door trim 100 SF " smooth vinyl siding 95 SF TOTAL Sidings Insulation Kraftback one face R /2 insulation 100 SF Floor Covering Interior $15/yd SF Painting Disinfect inside walls for mold 100 SF Paint siding, Prime and 2 coats 100 SF TOTAL Painting Recreation Room 7, , ,676.99

6 Roofing Base: 22ft x 13ft 6" Garage roof intersection: 9ft x 4ft Vinyl siding removal 16x4 south, 9x3 north, 18x2 west, 7x5 north 162 SF Aluminum flashing removal 50 LF TOTAL Roofing, Flashing Asphalt roof shingles 65 SF Roll roof tear-off up to 8 in 12 slope 333 SF Bitumen roof Bitumen roof PLUS per SF SF , , Flash shed roof with aluminum 50 LF Roof vent 1 Each Aluminum flashing on wood sheathing 12 LF TOTAL Roofing, Flashing , , Sidings 5" Dutchlap vinyl siding 162 SF Roofing , , Porch Porch ceiling & trim removal Remove damaged structural wood 95 SF Roof Framing Brace porch ceiling, install 2" x 8" ceiling joists, 25 SF Exterior Trim Aluminum fascia 36 LF Aluminum soffitt and ceiling 12 LF Wrap trim, aluminum

7 TOTAL Exterior Trim , Porch , , Clean-up Debris Removal, hauling and dumping Maid service; Complete cleaning of area remodeled, including windows , TOTAL Clean-up , , *** Grand Total 15, , , This report is very important for all parties involved. After you receive your money you can make better decisions. You can choose your own contractor, or do some of the work yourself. At all times you know how your money should be spent.. Thank you for taking the time to view this report.