Pacific Specialty Insurance Company

Transcription

1 1 Insured: Property: Elvira Mathews 3223 Stanford Ave Clovis, CA Claim Rep.: Company: Angelica Ethridge Pacific Speciality Estimator: Benny McCaleb Business: (661) Claim Number: Policy Number: Type of Loss: Water Damage Date Contacted: 2/20/ :00 AM Date of Loss: 1/26/2017 Date Received: 1/27/ :00 AM Date Inspected: 2/7/ :00 AM Date Entered: 2/16/ :33 PM Price List: CAFN8X_FEB17 Restoration/Service/Remodel Estimate: 6629 In the following pages you will find the estimated cost of covered repairs to your home calculated by using current market prices that are usual and customary. This estimate is based on the replacement cost of the damaged property less your deductible and any applicable depreciation. Please note depreciation is not recoverable for all items. Recoverable depreciation is denoted in each line item by the ( ) symbol. Non-recoverable depreciation is denoted by the < > symbol. Your policy requires that the repairs/replacement be completed before these benefits may be claimed. To claim this, simply provide PSIC with a copy of the final bill from the contractor or other receipts showing the total cost of repairs to your home. Payment for this coverage is subject to the terms, conditions, and limitations of your policy. Your current mortgage company may be listed as the payee on payment(s) for the covered repairs to your home. You will need to contact your mortgage company to determine their procedure on processing your claim check. We encourage you to work with a contractor of your choice to complete the repairs to your home. If you or your contractor has any questions or concerns with this estimate, please contact me at the number shown above. It is very important to call us with questions prior beginning repairs to your home. Any changes in scope must be pre-approved by Pacific Specialty Insurance Company. If you have any questions about the estimate, please do not hesitate to contact us at the numbers provided above. We appreciate your business. Thank you for insuring with.

2 2 TC 6629 Main Level Hallway Height: 8' 3' 6' 9" 2' 6" Vanit 6' 2" Cabinet (B1) Bathro Hallway 6' 6" 5' 9" 2' 6" Tub (B2) 2' 7" 2' 6" 5' 5" 2' 2' 3" 1' 1" Bdrm Closet 2' 3" 2' 5" 2" 2' 6" 2' 9" SF Walls SF Walls & Ceiling 8.69 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Missing Wall 3' X 8' Opens into LIVING_ROOM QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 1. Contents - move out then reset 1.00 EA /NA Avg. 0% (0.00) Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (3.23) Paint baseboard - one coat LF /15 yrs Avg % (2.15) Remove Laminate - simulated wood flooring SF /25 yrs Avg. NA (0.00) Laminate - simulated wood flooring SF /25 yrs Avg. 40% (102.31) The flooring and baseboards were removed during mitigation. All flooring and baseboard will need to be replaced 6. Vapor barrier - visqueen - 6mil SF /150 yrs Avg. 6.67% (0.28) Totals: Hallway ' 11" (B1) 2' 9" 8' 6" en Maste 3' 11" Living Room Laundry Room 6' 11" 2" 2' 6" g Room 7' 7" 10' 4" 6' 11' 11" 11' 9" 6' 3" 3' 10" 1' 9" 4' 6' 2" Cabinet H 6' 6" 3' 10" 17' 6" 2' 5" 15' 1" Bdrm Office Offic Living Room Height: 8' SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Missing Wall 10' 4" X 8' Opens into DINING_ROOM Missing Wall 3' 10" X 8' Opens into DINING_ROOM Missing Wall 3' X 8' Opens into HALLWAY Door 6' X 6' 8" Opens into Exterior Missing Wall - Goes to Floor 8' 6" X 6' 8" Opens into KITCHEN /21/2017 Page: 2

3 3 QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 7. Contents - move out then reset - Extra large room 1.00 EA /NA Avg. 0% (0.00) Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (5.24) Paint baseboard - one coat LF /15 yrs Avg % (3.49) Remove Laminate - simulated wood flooring SF /25 yrs Avg. NA (0.00) Laminate - simulated wood flooring SF , /25 yrs Avg. 40% (471.71) 1, A portion of the flooring has been removed during mitigation. The remainder of the flooring will need to be removed and replaced. 12. Vapor barrier - visqueen - 6mil SF /150 yrs Avg. 6.67% (1.30) Totals: Living Room , , ' 1" 6" 2' 6" 4' 3" 3' 11" Laundry Room TC 6' 11" 7' 7" 5' 7" 6' 3" Laundry Room Height: 8' SF Walls SF Walls & Ceiling 4.26 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 13. Washing machine - Remove & reset 1.00 EA /NA Avg. 0% (0.00) Dryer - Remove & reset 1.00 EA /NA Avg. 0% (0.00) Totals: Laundry Room /21/2017 Page: 3

4 4 1' 10" 3' 3' 7" 3' 5" 2' 8" 3' 3" Cabinets (B1) 3' 10" 9' 3" Kitchen 9' 6" 6' 1" 2" 5' 7" 8' 6" Laundr TC Kitchen Height: 8' SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Missing Wall - Goes to Floor 8' 6" X 6' 8" Opens into LIVING_ROOM Missing Wall 9' 6 5/16" X 8' Opens into DINING_ROOM QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 15. Refrigerator - Remove & reset 1.00 EA /NA Avg. 0% (0.00) Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (2.29) Paint baseboard - one coat LF /15 yrs Avg % (1.52) R&R Laminate - simulated wood flooring SF , /25 yrs Avg. 40% (181.28) The above line item is for removing and replacing the laminate floor. The laminate flooring is continuous and will need to be replaced for a reasonable and uniform appearance. 19. R&R Vapor barrier - visqueen - 6mil SF /150 yrs Avg. 6.67% (0.50) Totals: Kitchen , , ' 6" Laundry Room TC Dining Room Height: 8' 5' 8' 7" 3' 3" 2' 11" Dining Room 6' 2" 5' 6' 6" 10' 4" 6' 9" 7' 1" 6' 3" 6' 3" 3' 10" SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Missing Wall 9' 6 5/16" X 8' Opens into KITCHEN Missing Wall 10' 4" X 8' Opens into LIVING_ROOM Missing Wall 3' 10" X 8' Opens into LIVING_ROOM QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 20. Contents - move out then reset - Extra large room 1.00 EA /NA Avg. 0% (0.00) R&R Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (3.08) /21/2017 Page: 4

5 5 CONTINUED - Dining Room QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 22. Paint baseboard - one coat LF /15 yrs Avg % (2.05) R&R Laminate - simulated wood flooring SF , /25 yrs Avg. 40% (355.05) 1, The above line item is for removing and replacing the laminate floor. The laminate flooring is continuous and will need to be replaced for a reasonable and uniform appearance. 24. R&R Vapor barrier - visqueen - 6mil SF /150 yrs Avg. 6.67% (0.97) Totals: Dining Room , , ' 6' 4" 10' 1' 10" 2' 2" 5' 9" 5' 5" Office 2' 6" 2' 2" 2' 5' 3' 1" 3' 3" Hallwa 4' 10" Bdrm Clos 5' 4" 10" 3' 10" 2" Office CLo Office Height: 8' SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 25. Contents - move out then reset 1.00 EA /NA Avg. 0% (0.00) Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (3.01) Paint baseboard - one coat LF /15 yrs Avg % (2.01) Remove Laminate - simulated wood flooring SF /25 yrs Avg. NA (0.00) Laminate - simulated wood flooring SF /25 yrs Avg. 40% (129.77) A portion of the flooring has been removed during mitigation. The remainder of the flooring will need to be removed and replaced. 30. Vapor barrier - visqueen - 6mil SF /150 yrs Avg. 6.67% (0.36) Totals: Office /21/2017 Page: 5

6 6 4" Bdrm Closet 10" 3' 10" 2" 2' 3" 4' 10" Office CLoset 2' 7" 5' Office CLoset Height: 8' SF Walls SF Walls & Ceiling 1.21 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 31. Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (1.07) Paint baseboard - one coat LF /15 yrs Avg % (0.71) Carpet pad 34. Carpet 15 % waste added for Carpet SF /10 yrs Avg. 50% (2.94) SF /10 yrs Avg. 50% (16.20) Totals: Office CLoset Hallway drm Closet 7" 4' 10" 5" 3' 10" 9" fice CLoset 5' 2' 6" 1' 1" Bedroom Bathroom Tub (B2) 5' 12' 2" 12' 8" 7' 8" 2' 2" 1' 8" 1' 10" 5' 3' 4" 3' 8" Bedroom Height: 8' SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 35. Contents - move out then reset 1.00 EA /NA Avg. 0% (0.00) Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (3.36) Paint baseboard - one coat LF /15 yrs Avg % (2.24) Remove Laminate - simulated wood flooring SF /25 yrs Avg. NA (0.00) Laminate - simulated wood flooring SF /25 yrs Avg. 40% (159.43) A portion of the flooring has been removed during mitigation. The remainder of the flooring will need to be removed and replaced. 40. Vapor barrier - visqueen - 6mil SF /150 yrs Avg. 6.67% (0.44) /21/2017 Page: 6

7 7 CONTINUED - Bedroom QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV Totals: Bedroom , ' 4' 10" Hallway 2' 7" Bdrm Closet 2' 3" 9" 3' 10" 5" Bdrm Closet Height: 8' SF Walls SF Walls & Ceiling 1.19 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter Office CLoset QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 41. Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (1.06) Paint baseboard - one coat LF /15 yrs Avg % (0.71) Carpet pad 44. Carpet 15 % waste added for Carpet SF /10 yrs Avg. 50% (2.89) SF /10 yrs Avg. 50% (15.99) Totals: Bdrm Closet m 15' 3" 3' 6" 15' 1" Master C Master Bedroom Sh Master Ba 6' 9" Cabinet (B1) Hallway 5' 2' 8" 2' 6" 3' 4" Master Bedroom Height: 8' 2' 6" 2' 6" 2' 3" 2' 7" 2' 6" 1' 9" Vani Bathro Tub (B SF Walls SF Walls & Ceiling SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 45. Contents - move out then reset 1.00 EA /NA Avg. 0% (0.00) /21/2017 Page: 7

8 8 CONTINUED - Master Bedroom QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 46. Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (3.92) Paint baseboard - one coat LF /15 yrs Avg % (2.61) Remove Laminate - simulated wood flooring SF /25 yrs Avg. NA (0.00) Laminate - simulated wood flooring SF , /25 yrs Avg. 40% (213.83) A portion of the flooring has been removed during mitigation. The remainder of the flooring will need to be removed and replaced. 50. Vapor barrier - visqueen - 6mil SF /150 yrs Avg. 6.67% (0.58) Paint the walls - one coat SF /15 yrs Avg % (16.41) Mask and prep for paint - plastic, paper, tape (per LF) LF /15 yrs Avg. 0% (0.00) The walls will need to be painted, the paint peeled when the baseboards were being removed. Totals: Master Bedroom , , Master Bathroom Height: 8' oom 2' 7" 2' 3" 2' 5" 2' 6" 2' 1" Shower (B1) Master Bathroom 7' 6" Vanity (B1) 2' 7" 2' 9" 2' 2' 5" 2' 7" SF Walls SF Walls & Ceiling 5.83 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 53. Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (2.19) Paint baseboard - one coat LF /15 yrs Avg % (1.46) Totals: Master Bathroom /21/2017 Page: 8

9 9 1' 9" 1' 9" 2" 2' 6" 7' 6" Vanity (B1) Bathroom Tub (B2) 5' 7' 8" 3' 2' 4" 3' 2" 2' 8" 2' 2' 2" Bathroom Height: 8' SF Walls SF Walls & Ceiling 6.01 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter t QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 55. Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (2.65) Paint baseboard - one coat LF /15 yrs Avg % (1.76) Totals: Bathroom Total: Main Level , , , ' 11" 1' 7" 2' 6" 1' 9" 8' Master Closet 7' 6" 5' 10" 6' 4" Master Closet Height: 8' SF Walls SF Walls & Ceiling 4.86 SY Flooring LF Ceil. Perimeter SF Ceiling SF Floor LF Floor Perimeter oom QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 57. Baseboard - 3 1/4" LF /150 yrs Avg. 6.67% (2.02) Contents - move out then reset 1.00 EA /NA Avg. 0% (0.00) Paint baseboard - one coat LF /15 yrs Avg % (1.34) Carpet pad 61. Carpet 15 % waste added for Carpet SF /10 yrs Avg. 50% (11.81) SF /10 yrs Avg. 50% (65.18) Totals: Master Closet /21/2017 Page: 9

10 10 General Items QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV 62. Single axle dump truck - per load - including dump fees 1.00 EA /NA Avg. NA (0.00) The above line item is for debris removal. Totals: General Items Line Item Totals: , , , [%] - Indicates that depreciate by percent was used for this item [M] - Indicates that the depreciation percentage was limited by the maximum allowable depreciation for this item Additional Charges Charge California Carpet Stewardship Assessment Fee 2.08 Additional Charges Total $2.08 Grand Total Areas: 3, SF Walls 1, SF Ceiling 5, 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 3, Interior Wall Area 1, Exterior Wall Area Exterior Perimeter of Walls 0.00 Surface Area 0.00 Number of Squares 0.00 Total Perimeter Length 0.00 Total Ridge Length 0.00 Total Hip Length /21/2017 Page: 10

11 11 Summary for Dwelling Line Item Total 11, California Carpet Stewardship Assessment Fee 2.08 Material Sales Tax Replacement Cost Value $12, Less Depreciation (1,804.40) Actual Cash Value $10, Less Deductible (1,000.00) Net Claim $9, Total Recoverable Depreciation 1, Net Claim if Depreciation is Recovered $11, Benny McCaleb /21/2017 Page: 11

12 12 Recap of Taxes Material Sales Tax (7.975%) Storage Rental Tax (7.975%) Line Items Additional Charges Total /21/2017 Page: 12

13 13 Recap by Room Estimate: 6629 Area: Main Level Hallway % Living Room 3, % Laundry Room % Kitchen 1, % Dining Room 2, % Office % Office CLoset % Bedroom 1, % Bdrm Closet % Master Bedroom 1, % Master Bathroom % Bathroom % Area Subtotal: Main Level 11, % Master Closet % General Items % Subtotal of Areas % 11, Total 11, % /21/2017 Page: 13

14 14 Recap by Category with Depreciation Items RCV Deprec. ACV APPLIANCES CONTENT MANIPULATION GENERAL DEMOLITION 1, , FLOOR COVERING - CARPET FLOOR COVERING - WOOD 8, , , FINISH CARPENTRY / TRIMWORK 1, , PAINTING Subtotal 11, , , Permits and Fees Material Sales Tax Total 12, , , /21/2017 Page: 14

15 Risk Overview 2 2-Risk Address /21/2017 Page: 15

16 Front Elevation No damage 4 4-Left Elevation No damage /21/2017 Page: 16

17 Right Elevation No damage 6 6-Right Elevation Overview no damage /21/2017 Page: 17

18 Entry/Living Overview flooring has been removed 8 8-Hallway flooring has been removed /21/2017 Page: 18

19 Hallway base board and Laminate flooring removed Hallway Laminate and baseboard removed /21/2017 Page: 19

20 Living room overview flooring is continuous Living room view looking to entry and hallway showing flooring is continuous /21/2017 Page: 20

21 Living room laminate has been removed Living room water damage to flooring /21/2017 Page: 21

22 Laundry room overview Laundry room laminate flooring has been removed /21/2017 Page: 22

23 Laundry room Laminate floor removed Kitchen Overview flooring is continuous /21/2017 Page: 23

24 Dining room view from living room showing that the flooring is continuous Kitchen and dining room flooring is continuous /21/2017 Page: 24

25 Office Overview showing flooring removed Office Overview /21/2017 Page: 25

26 Office contents will need to be removed and reset Office View showing a portion of the flooring removed the remainder will need to be removed as it cannot be matched /21/2017 Page: 26

27 Office Overview Office View showing amouint of flooring removed /21/2017 Page: 27

28 Bedroom 1 Overview flooring removed Bedroom Flooring removed /21/2017 Page: 28

29 bedroom 1 baseboards removed Bedroom closet baseboards removed /21/2017 Page: 29

30 Bedroom 1 Closet had carpet installed Bedroom 1 walls will need to be painted since the paint peeled when the baseboards were removed /21/2017 Page: 30

31 Bathroom Overview Bathroom Overview /21/2017 Page: 31

32 Bathroom base removed Bathroom Base removed /21/2017 Page: 32

33 Bathroom Toilet overflowed and caused the damage Bathroom Baseboard removed /21/2017 Page: 33

34 Bathroom Toilet overflowed and caused the damage Master bedroom Laminate flooring removed /21/2017 Page: 34

35 Master bedroom Laminate and base removed Master bedroom View from master bathroom showing laminate flooring removed /21/2017 Page: 35

36 Master Bath Overview Master bath Flooring /21/2017 Page: 36

37 Master bath ok Master bedroom View looking to master closet /21/2017 Page: 37

38 Master Closet Flooring removed Master Closet Flooring removed /21/2017 Page: 38

39 Master Closet Note tack strip carpet and pad removed as well as baseboard /21/2017 Page: 39

40 40 Main Level 9' 6" Cabinets 7' 8" (B1) 8' 6' 4" 8' 6" 1' 10" 2' 9" 31' 1" Kitchen 14' 9" 1' 8" Dining Room Laundry Room TC 7' 3" 6' 11" 2' 2' 7' 7" 10' 4" 5' 7" 50' 20' 6" 10' 10" 7' 6" Living Room 6' 3" 3' 3' 10" 4' 6' 1" 5' 9" 6' 2" 17' 6" 6' 6" 10' 5" 9' 11" Master Bedroom Cabinet 4' (B1) 2' 5" 1' 10" Hallway 7' 1" 2' 3" 4' 6" Bdrm Closet 4' 10" 5' 5" 15' 1" Master Closet Shower (B1) Master Bathroom Bathroom Office Bedroom Vanity 5' (B1) Tub 5' (B2) 7' 8" 2' 1" 7' 4" 7' 5' 10" 2' 6" 1' 10" 2' 8" 10' 31' 10" Toilet That Overflowed 6' 3" 6' 4" Office CLoset 4' 10" 17' 11" 18' 7" 25' 8" 12' 2" Main Level /21/2017 Page: 40