Precise Adjustments, Inc.

Transcription

1 1 Statement of Loss Claim # CULL Adjuster Richard Provau Phone (936) /1/2017 Insured Name First Financial Bank and Securatech Solutions Inc. Loss Address Interstate 10, Vidor, TX Phone Number (409) Other Phone Ins Claim # CULL Date of Loss 8/30/2017 Ins Company Certain Underwriters at Lloyds, London Abstract of Coverage Policy # LLH Effective 2/10/2017-2/10/2018 Forms Coverage Limit Co-Insurance Deductible Dwelling $63, $5, Other Structures Contents Total Loss & Claim Total Recoverable Depreciation A copy of this document does not constitute a settlement of this claim. The above figures are subject to insurance company approval. Accepted by

2 1 LOSS REPORT Final Reference: Certain Underwriters at Lloyds, London Report #: El Centro St. Catastrophe Number: 43 S. Pasadena, CA Policy Number: LLH Attention: Certain Underwriters at Lloyds of London Claim Number: CULL Insured: First Financial Bank and Securatech Solutions Inc. Date of Loss: 8/30/ Interstate 10 Type of Loss: Wind Damage Vidor, TX File Number: 27603D ENCLOSURES: Estimate, Statement of Loss, Replacement Cost Report, Bill for Services, Photos (25), Diagrams, ACV POL COVERAGE: Dwelling $63, Other Structures Contents GENERAL LOSS REPORT Interstate 10, Vidor, TX Eff. Dates: From: 2/10/2017 To: 2/10/2018 Mortgagee: First Financial Bank Deductible: Co-Ins. Policy: Yes No Forms: On 9//28/2017 at 4:12 pm met with Ms. and her son. We discussed damages and scoped risk. Cause Of Loss: Hurricane Wind and Rain, Major loss for flood Inspection Revealed The Following: Former business, metal building, converted to home. Building has a metal roof. Dwelling Roof: Inspected roof - 1 story, metal roof, Approximately 10 years old. There is no damage to the metal building roof. All panels and place, interior damage was caused by wind driven rain through corrugated roof and seams and metal roof. Dwelling Elevations: Presence of flooding near 13 inches. There was no damage to any elevation by hurricane wind. Front: No hurricane wind damage to this elevation. Right: No hurricane wind damage to this elevation. Back: No hurricane wind damage to this elevation. Left: No hurricane wind damage to this elevation. Interior: There is water damage to the insulation in visqueen ceilings in the storage and loft rooms, back bedroom and living room ceiling tiles due to wind driven rain. All interior rooms were flooded with 9+ inches of floodwater and rain. Other Structures: There are no other structures. Priors: There is no prior claim. Contents: There is flood related damage to contents. No coverage for contents. ALE /Salvage: All damages that warrant ALE, are all flood related.. There is no flood insurance for this property. ALE: No additional living expense for wind damage. ALE is needed, due to flood damage. Salvage: No salvageable items were damaged. All items were wind and flood water damaged and non salvageable. Subrogation: None apparent at this time. Mortgagee: First Financial Bank

3 2 Denial: Need a denial letter for the flood damages to interior walls and floors,. All were damaged by flood waters.. Damage to ceilings in three rooms were all outer wall rooms, and received water damage from wind driven rain. Pending: Nothing apparent at this time. Agreement To Scope: I did not deny or agree to any payment or settlement of this claim. Ms. Kathy Odom and her son agreed to scope of damages and understood that my report would be submitted for review prior to payment/settlement of this claim. A copy of this document does not constitute a settlement of this claim. The above figures are subject to insurance company approval. Additional Information: All items of relevance have been addressed in the above captions; however, should any questions arise or revisions be required, please do not hesitate to contact me directly. All of us at Precise Adjustments, Inc. are committed to excellence and sincerely appreciate the opportunity to be of service. Thank you. Respectfully submitted, Richard Provau STATEMENT OF LOSS: Item RCV Dep ACV Limit Dwelling Other Structures Contents TOTALS Deductible Less Prior Payments Claim Payable Due Insured RECOMMENDATIONS: I recommend payment to Insured in the RCV amount of. 10/1/2017 Richard Provau Date

4 1 Proof of Loss - RC Statement as to full cost of repair or replacement under the replacement cost coverage, subject to the terms and conditions of this policy* Policy No. FL LLH Agency at 899 El Centro St., S. Pasadena, CA Agent WNC First Insurance Services Insured Location First Financial Bank and Securatech Solutions Inc Interstate 10, Vidor, TX Type of property involved in claim Single family dwelling Date of Loss 8/30/ Full Amount of Insurance applicable to the property for which claim is presented was Full Replacement Cost of the said property at the time of the loss was The Full cost of Repair or Replacement is Applicable Depreciation is Actual Cash Value loss is (Line 3 minus Line 4) Less deductibles and/or participation by the insured... $63, Actual Cash Value Claim is (Line 5 minus Line 6) Supplemental Claim, to be filed in accordance with the terms and conditions of the Replacement Cost Coverage within 0 days from date of loss shown above, will not exceed... (This figure will be that portion of the amounts shown on Lines 4 and 6 which is recoverable)... Insured... Adjuster

5 1 LLH POLICY NO. 2/10/2017-2/10/2018 POLICY TERM $63, AMT OF BLDG COV AT TIME OF LOSS SWORN STATEMENT IN PROOF OF LOSS CULL INS CLAIM NO. WNC First Insurance Services AGENT 899 El Centro St. AGENCY AT S. Pasadena, CA TO Certain Underwriters at Lloyds, London: At time of loss, by above indicated policy of insurance, you insured the interest of First Financial Bank and Securatech Solutions Inc.; Interstate 10; Vidor, TX against loss by to the property described according to the terms and conditions of said policy and of all forms, endorsements, transfers and assignments attached thereto. TIME AND ORIGIN A Wind Damage loss occurred about the hour of Nine o'clock AM., OCCUPANCY on the 30 day of August, The cause of the said loss was: Wind driven rain and flood The premises described, or containing the property described, was occupied at the time of the loss as follows, and for no other purpose whatever: Occupied INTEREST No other person or persons had any interest therein or encumbrance thereon except: First Financial Bank 1. FULL AMOUNT OF INSURANCE applicable to the property for which claim is presented is ACTUAL CASH VALUE of building structures ADD ACTUAL CASH VALUE OF CONTENTS of personal property insured ACTUAL CASH VALUE OF ALL PROPERTY FULL COST OF REPAIR OR REPLACEMENT (Building and Contents) LESS APPLICABLE DEPRECIATION ACTUAL CASH VALUE LOSS is LESS DEDUCTIBLES NET AMOUNT CLAIMED under above numbered policy is... $63, The said loss did not originate by any act, design or procurement on the part of your insured, nothing has been done by or with the privity or consent of your insured to violate the conditions of the policy, or render it void; no articles are mentioned herein or in annexed schedules but such as were destroyed or damaged at the time of said loss, no property saved has in any manner been concealed, and no attempt to deceive the said insurer as to the extent of said loss, has in any manner been made. Any other information that may be required will be furnished and considered a part of this proof. Subrogation - To the extent of the payment made or advanced under this policy; the insured hereby assigns, transfers and sets over the insurer all rights, claims or interest that he has against any person, firm or corporation liable for the loss or damage to the property for which payment is made or advanced. He also hereby authorizes the insurer to sue any such third party in his name. The insured hereby warrants that no release has been given or will be given or settlement or compromise made or agreed upon with any third party who may be liable in damages to the insured with respect to the claim being made herein. The furnishing of this blank or the preparation of proofs by a representative of the above insurer is not a waiver of any of its rights. I declare under penalty of perjury that the information contained in the foregoing is true and correct to the best of my knowledge and belief. State of County Of TX Insured Insured Subscribed and sworn before me this day of, Notary Public

6 1 Insured: First Financial Bank and Securatech Solutions Inc. Home: (409) Property: Interstate 10 Vidor, TX Business: 400 Pine St. Abilene, TX Home: Interstate 10 Vidor, TX Claim Rep.: Richard Provau Business: (936) Company: Precise Adjustments Business: N. Dallas Parkway, Suite 300 Dallas, TX Estimator: Richard Provau Business: (936) Company: Precise Adjustments Business: N. Dallas Parkway, Suite 300 Dallas, TX Reference: Business: (800) Company: Certain Underwriters at Lloyds, London Business: 899 El Centro St. S. Pasadena, CA Claim Number: CULL Policy Number: LLH Type of Loss: Wind Damage Date Contacted: 9/14/2017 9:20 PM Date of Loss: 8/30/2017 9:00 AM Date Received: 9/13/ :03 AM Date Inspected: 9/28/2017 4:12 PM Date Entered: 10/1/ :15 PM Price List: Estimate: TXBM8X_SEP17 Restoration/Service/Remodel FST_FIN_BK_L_SECUR_S This estimate does not constitute settlement of this claim. This estimate is subject to review by the insurance carrier prior to settlement/payment of claim. Summary Totals: If depreciation has been applied to your estimate, the summary totals for depreciation will include the depreciation for all the line items as well as the amount of material sales tax and/or Overhead and Profit for each line item that is depreciated.

7 2 Recap of Taxes Material Sales Tax Cleaning Mtl Tax Cleaning Sales Tax Manuf. Home Tax Storage Rental Tax (6.25%) (6.25%) (6.25%) (5%) (6.25%) Line Items Total FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 2

8 3 Estimate: FST_FIN_BK_L_SECUR_S Recap by Room Total % FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 3

9 4 Recap by Category Items Total % Subtotal % FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 4

10 5 1 1-Front and Right Overview of the front and right elevations. 2 2-Interior entry Overview at interior entry, showing floodwater damage to floors and lower wall. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 5

11 6 3 3-Interior entry Ceiling overview, no water damage to the ceiling. 4 4-Flood line Interior Interior flood line, approximately 9 inches. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 6

12 7 5 5-Family room Overview of the family room, no ceiling damage only flood damage. 6 6-Storage Room Storage room ceiling overview. Water damage to ceiling and walls, caused from wind driven rain. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 7

13 8 7 7-Storage room Water and ceiling insulation, caused by wind driven rain. 8 8-Storage room Water damage to insulation ceiling and walls caused by wind driven rain FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 8

14 9 9 9-Storage room loft Water damage to ceiling above loft, caused by wind driven rain Back bedroom Ceiling and wall overview, water damage to ceiling and flood water damage to walls. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 9

15 Living room Showing water damage to floor, all flooring has been removed Living room Showing floodwater on sink FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 10

16 Flood line Interior Showing 8 to 9 inches of floodwater Back bedroom Overview of back bedroom. Ceiling water damage to panels. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 11

17 Back bedroom Overview of floor, showing flood water damage Back bedroom Overview of ceiling, water damage to ceiling. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 12

18 Back bedroom Ceiling water damage to ceiling tiles, outer wall and wind driven rain Back bedroom Water inside of light fixtures due to wind driven rain. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 13

19 Back bedroom Water inside of light fixtures due to wind driven rain Living room Overview of the walls and floor, flood water damage. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 14

20 Living room Overview of the ceiling, water damage to 24 ft.² of ceiling tiles Bathroom Flood water damage to ceiling, walls, and doors. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 15

21 Bathroom Overview of ceiling and walls. No storm water damage to ceiling or upper walls Bathroom Flood water damage at 10 1/2 inches, due to slope of land near back and left of building. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 16

22 Roof Overview of metal roof, walked and checked entire roof, no storm created opening. All damage appears to be wind driven rain. FST_FIN_BK_L_SECUR_S 10/1/2017 Page: 17