Insurance Summary
Log
- 03/10 - State Farm Revised Claim Estimate uploaded to claim portal
- 03/04 - 2nd adjuster came to the house and met with general and sub contractors - wrote up a new report and said he would have the final report to us in a couple days.
- 2nd Adjuster - Stephen Pierce - 866-787-8876 ext. 1493
- 12/09 - spoke with general contractor regarding a revised written estimate. Since he's still waiting on subs and will not have the trusses until January, I made an easier to read/compare spreadsheet of the labor and materials costs to compare them to the adjuster's report.
- converted and added the adjuster's claim settlement report
- codensed the tables into an easier to read formatted summary
- 11/18 - holding claim settlement check until adjusted
- 11/11 - claim settlement arrived in the mail
- spoke with agent who asked for estimate from contractor to adjust claim instead of sending another adjuster to the house
- spoke with contractor who said settlement is not accurate and requested that I ask for another adjuster
- 11/05 - claim estimate completed and added to claims hub portal
- 11/05 - claims adjuster called
- said he was wrapping the estimate and asked about food loss
- 10/28 - met with claims adjuster ( Jonathan Bonitez Lozano? )
- Appt @ 8am but showed up @ 6pm - took notes/photos
- submitted additional photos to insurance portal / shared damages list
- "allow 10 days for report" ( workdays would put it @ 11/11 )
- 10/09 - spoke with Mr. SaintCome and scheduled appt for 10/28
- 10/06 - adjuster called and changed in portal ( Evans SaintCome )
- returned call and left several voicemails
- 10/01 - called adjuster assigned in portal ( Mick Kayat ) left message
- 09/30 - "I don’t see your claim filed yet. Need me to file it for you?"
- Claim filed # 40-P833-5X2 ( portal says filed on 9/29 )
- Coverage: 400K dwelling, 300K personal property, 120K loss of use
- Deductible: $4,005
- 09/27 - Notified agent via text ( Brian Schoch )
- agent responded "I will get the file claimed for you guys this morning"
Property
- Food loss
- Landscaping
- Lawn back/side Shrubs ( from removal )
- Dogwood/Cedar trees ( from removal )
- Pavers/Edging ( from removal )
- Driveway cracks from crane/saw trucks footing
- Marvin’s mailbox / Marianne’s fence
- Damaged tree removals
- leaning tree(s) removed ( not covered )
Loss of Use
- ( 09/30 -> 10/04 ) Power loss - work
- ( 10/28 ) Off work all day for adjuster appointment snafu
- ( 11/5 -> ??? ) Bedroom / Office / Master Bath
Reps
Brian Schoch - State Farm - 864-223-1077
https://www.statefarm.com/agent/us/sc/greenwood/brian-schoch-26hpz1ys000
https://brianschoch.com
License - SC-3612609
Adjuster - Jonathan Benitez Torres - 884-445-8430
info
24/12/09 - I compiled a simpler version from our insurance company's Claims Summary Report so that we could more easily compare them item to item with our contractor's estimates & invoices.
Insurance Claim Totals
| Summary | Time & Materials | ||
| Line Item Total | 12,589.48 | Material | 2,960.98 |
| Tax | 207.27 | Labor | 9,804.46 |
| Subtotal | 12,796.75 | Equipment | 1,200.15 |
| Laundry & D/C Tax | 0.58 | Miscellaneous | 8.25 |
| RCV Replacement Cost Value | 12,797.33 | Subtotal | 13,973.84 |
| Less Depreciation (Including Taxes) | (2,044.36) | Material Sales Tax | 207.27 |
| Less Deductible | (2,620.64) | Laundry & D/C Tax | 0.58 |
| Net Actual Cash Value Payment | $8,132.33 | Total ACV Actual Cost Value | 14,181.69 |
Insurance Reimbursement vs. Contractor Costs
Tree Removal
| Insurance | Contractor | ||||
| Tree Removal - | |||||
| Tree - removal and disposal | |||||
| Materials | 2,239.44 | Materials | |||
| Labor | 1,165.92 | Labor | |||
| Line Items 39-40 | 3,405.36 | JMP Construction | 6750.00 | Difference: | 3344.64 |
Landscaping
| Insurance | Contractor | ||||
| Landscaping - | |||||
| note: 20,000 coverage in our policy but nothing in claim settlement. Lost a lot of turf and shrubbery. Some of it due to heavy equipment ( not sure if covered ) Will replant & re-sod/seed. | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | 0.00 | Contractor(s) | |||
Demolition
| Insurance | Contractor | ||||
| Demolition - | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||
Roof
| Insurance | Contractor | ||||
| Roof - | |||||
| note: contractor noted that he saw nothing in the settlement regarding engineered trusses 🛑 and pointed out the both sides of the top roof will need to be replaced. Will be writing up quote. | |||||
| Materials | 493.54 | Materials | |||
| Labor | 4,259.46 | Labor | |||
| Line Items 1-4 | 4,753.00 | Contractor(s) | |||
Insulation
| Insurance | Contractor | ||||
| Insulation - | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||
Siding
| Insurance | Contractor | ||||
| Siding- | |||||
| note: cedar siding - about 40-60ft needs to be replaced | |||||
| Materials | 1.20 🛑 | Materials | |||
| Labor | 204.50 | Labor | |||
| Line Items - | Contractor(s) | ||||
Soffit, Fascia, & Gutter
| Insurance | Contractor | ||||
| Soffit, Fascia, & Gutter - | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||
Windows
| Insurance | Contractor | ||||
| Windows - | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||
Doors
| Insurance | Contractor | ||||
| Doors - | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||
Drywall
| Insurance | Contractor | ||||
| Drywall - | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||
Paint
| Insurance | Contractor | ||||
| Paint - | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||
Flooring
| Insurance | Contractor | ||||
| Flooring - | |||||
| note: there is water damage to the subflooring beneath the carpet that the adjuster didn't note or look for. Also will need to redo the entire carpet upstairs to match. | |||||
| Materials | Materials | ||||
| Labor | Labor | ||||
| Line Items - | Contractor(s) | ||||