1 pacific specialty loss report · interior : no damage reported by insured. insured denied full...

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LOSS REPORTPacific SpecialtyInsurance Company3601 Haven Avenue FinalMenlo Park, CA 94025-1033T: (800) 962-1172 F: (650)780-4820Email:[email protected]

Reference: Report #: 2Catastrophe Number:

Policy Number: ENG 0611851-00(02)Claim Number: 3103159

Insured: KEHRER GARY Date of Loss: 4/11/2016605 STONEBRIDGE CIR Type of Loss: HailRockwall, TX 75087 File Number:

ENCLOSURES:Bill for Services, Photos (57)

COVERAGE:

Eff. Dates: From: 12/29/2015 To: 12/29/2016

Mortgagee:

Deductible: $1,808.36Co-Ins. Policy: Yes No

Dwelling $0.00

Forms:

REINSPECTION 3/2/2017I met Mr. Kehrer at 2pm on 3/2/2017. I inspected the elevations with Mr. Kehrer, no one accompanied me on the roof.There appear to be more shingles missing on the roof than are evident from the prior inspection photo report. I did notfind any evidence of hail damage. Mr. Kehrer states that the hail damage is no longer apparent as the shingles havesealed back up.

There are no line item changes to the original estimate.

Submitted for review,

Mike GrammerNARRATIVE REPORT

RISK: Dwelling is a 1 story slab on grade, single family dwelling with brick veneer construction and a Wood Shakeroof. It was built in 1979 and is in average condition.INSURED STATEMENT OF LOSS: Hail and wind damages to roofREPORTED CAUSE OF LOSS: Wind/hailDURATION OF THE WATER LEAK: No leaks were reported at the time of inspection. Insured denied access todwelling interior at inspection.ORIGIN OF LOSS: WindOCCUPIED: Yes- Insured OccupiedADJUSTMENT AND GENERAL REMARKS

Did the wind create an opening? N Damage Area (s) N/A

Water Entry: N Point of Entry: N/A

Ensuing damaged Area(s): N/A

Long -Term N Explain:

Personal Property Damaged N Photo of item (s) attached N

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INSPECTION RESULTS: Inspected the risk with insured present, no contractor was present for inspection.ROOF: During recent wind/hail storm there was damage to the roof related to wind/hail. (Medium Wood Shake, 1 layer7 yr old 5/12 and 9/12 pitch with no drip edge)Allowance to remove and replace minor wind damage shakes throughout roof as well as 1’6” on each side of the Wvalley for access.Wind Damage = 38 Shakes x waste factor of 2 = 76W Valley 10'X3’= .36FRONT SLOPE: 2 wind damaged shakes observed outside of test sqRIGHT SLOPE: 8 wind damaged shakes observed outside of test sqREAR SLOPE: 50 wind damaged shakes observed outside of test sqLEFT SLOPE: 8 wind damaged shakes observed outside of test sq

EXTERIOR: Front: No visible wind/hail related damage at time of inspection, Left: No visible wind/hail relateddamage at time of inspection, Right: No visible wind/hail related damage at time of inspection, Rear: No visiblewind/hail related damage at time of inspection

INTERIOR: No damage reported by insured. Insured denied full access to interior of dwelling at inspection. Insuredadvised me that he would take my camera to obtain photos of breaker box but I was allowed to photo water heater andthermostat only.OTHER STRUCTURES:

FENCE: No wind or hail related damage observed or reported

O&P: Due to lack of complexity and or coordination, O&P was not added to est.

CONTENTS: No damage observed or reported

HABITABLE: YWHY IS RISK UNINHABITABLE:

ESTIMATED REPAIR TIME/WHEN RISK WILL BE HABITABLE:

U/W CONCERNS: Deferred maintenance to windows, ac unit, fascia trim and paint. Damage unrelated to wind andhail to windows, ac fins and fence per Insured.ALE: Not requiredClosing: Advised insured that I would complete my report and forward to the examiner and the examiner would be incontact to discuss anything further.SUBROGATION: No subrogation possibilities present.

SALVAGE: No salvage opportunities present.

FUTURE ACTIVTY: None Expected

APPRAISER:Elisha [email protected]

RECOMMENDATIONS:

3/3/2017

Zach Marston Date

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Photo Sheet Insured: KEHRER GARY

Claim #: 3103159

Policy #: ENG 0611851-00(02)Pacific Specialty Insurance Company

3601 Haven AvenueMenlo Park, CA 94025-1033T: (800) 962-1172 F: (650) 780-4820Email: [email protected]

Photo Sheet - 1 - 3/3/2017

1

Date Taken: 3/2/2017

Risk

2


Address

2


Claim #: 3103159



Photo Sheet - 2 - 3/3/2017

DWELLING/Roof - 3


7/12

DWELLING/Roof - 4


Shake

3


Claim #: 3103159



Photo Sheet - 3 - 3/3/2017

DWELLING/Roof - 5


shake

DWELLING/Roof - 6


shingles

4


Claim #: 3103159



Photo Sheet - 4 - 3/3/2017

DWELLING/Roof - 7


shingles

DWELLING/Roof - 8


shingles

5


Claim #: 3103159



Photo Sheet - 5 - 3/3/2017

DWELLING/Roof - 9


Overview - missing shingles

DWELLING/Roof - 10


Overview

6


Claim #: 3103159



Photo Sheet - 6 - 3/3/2017

DWELLING/Roof - 11


shingles

DWELLING/Roof - 12


valley

7


Claim #: 3103159



Photo Sheet - 7 - 3/3/2017

DWELLING/Roof - 13


shingles

DWELLING/Roof - 14



8


Claim #: 3103159



Photo Sheet - 8 - 3/3/2017

DWELLING/Roof - 15


skylights

DWELLING/Roof - 16



9


Claim #: 3103159



Photo Sheet - 9 - 3/3/2017

DWELLING/Roof - 17


Overview

DWELLING/Roof - 18



10


Claim #: 3103159



Photo Sheet - 10 - 3/3/2017

DWELLING/Roof - 19



DWELLING/Roof - 20


Overview

11


Claim #: 3103159



Photo Sheet - 11 - 3/3/2017

DWELLING/Roof - 21


Overview

DWELLING/Roof - 22


Overview

12


Claim #: 3103159



Photo Sheet - 12 - 3/3/2017

DWELLING/Roof - 23


Overview

DWELLING/Roof - 24



13


Claim #: 3103159



Photo Sheet - 13 - 3/3/2017

DWELLING/Roof - 25


Ridge

DWELLING/Roof - 26


vent

14


Claim #: 3103159



Photo Sheet - 14 - 3/3/2017

DWELLING/Roof - 27



DWELLING/Roof - 28



15


Claim #: 3103159



Photo Sheet - 15 - 3/3/2017

DWELLING/Roof - 29



DWELLING/Roof - 30


skylight

16


Claim #: 3103159



Photo Sheet - 16 - 3/3/2017

DWELLING/Roof - 31


skylight

DWELLING/Roof - 32


skylights

17


Claim #: 3103159



Photo Sheet - 17 - 3/3/2017

DWELLING/Roof - 33


skylight

DWELLING/Roof - 34



18


Claim #: 3103159



Photo Sheet - 18 - 3/3/2017

DWELLING/Roof - 35


shingles

DWELLING/Roof - 36


Overview

19


Claim #: 3103159



Photo Sheet - 19 - 3/3/2017

DWELLING/Roof - 37


Overview

DWELLING/Roof - 38


Overview

20


Claim #: 3103159



Photo Sheet - 20 - 3/3/2017

DWELLING/Roof - 39


Overview

Front Elevation - 40


Overview - no damage noted

21


Claim #: 3103159



Photo Sheet - 21 - 3/3/2017



No damage noted



No damage noted

22


Claim #: 3103159



Photo Sheet - 22 - 3/3/2017

Right Elevation - 43


Overview - no damage noted

Right Elevation - 44


No damage noted

23


Claim #: 3103159



Photo Sheet - 23 - 3/3/2017

Rear Elevation - 45


No damage noted

Rear Elevation - 46


Overview

24


Claim #: 3103159



Photo Sheet - 24 - 3/3/2017

Rear Elevation - 47


cap blown off

Rear Elevation - 48


patio

25


Claim #: 3103159



Photo Sheet - 25 - 3/3/2017

Rear Elevation - 49


Overview

Rear Elevation - 50



26


Claim #: 3103159



Photo Sheet - 26 - 3/3/2017

Rear Elevation - 51



Rear Elevation - 52



27


Claim #: 3103159



Photo Sheet - 27 - 3/3/2017

Rear Elevation - 53



Rear Elevation - 54



28


Claim #: 3103159



Photo Sheet - 28 - 3/3/2017

Rear Elevation - 55



Rear Elevation - 56



29


Claim #: 3103159



Photo Sheet - 29 - 3/3/2017

Rear Elevation - 57



Interior - 58


skylight reported shifted

30


Claim #: 3103159



Photo Sheet - 30 - 3/3/2017

Interior - 59


skylight reported shifted

1 pacific specialty loss report · interior : no damage reported by insured. insured denied full...

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