1
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
2
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
1
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
Date Taken: 3/2/2017
Address
2
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 - 2 - 3/3/2017
DWELLING/Roof - 3
Date Taken: 3/2/2017
7/12
DWELLING/Roof - 4
Date Taken: 3/2/2017
Shake
3
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 - 3 - 3/3/2017
DWELLING/Roof - 5
Date Taken: 3/2/2017
shake
DWELLING/Roof - 6
Date Taken: 3/2/2017
shingles
4
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 - 4 - 3/3/2017
DWELLING/Roof - 7
Date Taken: 3/2/2017
shingles
DWELLING/Roof - 8
Date Taken: 3/2/2017
shingles
5
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 - 5 - 3/3/2017
DWELLING/Roof - 9
Date Taken: 3/2/2017
Overview - missing shingles
DWELLING/Roof - 10
Date Taken: 3/2/2017
Overview
6
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 - 6 - 3/3/2017
DWELLING/Roof - 11
Date Taken: 3/2/2017
shingles
DWELLING/Roof - 12
Date Taken: 3/2/2017
valley
7
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 - 7 - 3/3/2017
DWELLING/Roof - 13
Date Taken: 3/2/2017
shingles
DWELLING/Roof - 14
Date Taken: 3/2/2017
Overview - missing shingles
8
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 - 8 - 3/3/2017
DWELLING/Roof - 15
Date Taken: 3/2/2017
skylights
DWELLING/Roof - 16
Date Taken: 3/2/2017
Overview - missing shingles
9
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 - 9 - 3/3/2017
DWELLING/Roof - 17
Date Taken: 3/2/2017
Overview
DWELLING/Roof - 18
Date Taken: 3/2/2017
Overview - missing shingles
10
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 - 10 - 3/3/2017
DWELLING/Roof - 19
Date Taken: 3/2/2017
Overview - missing shingles
DWELLING/Roof - 20
Date Taken: 3/2/2017
Overview
11
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 - 11 - 3/3/2017
DWELLING/Roof - 21
Date Taken: 3/2/2017
Overview
DWELLING/Roof - 22
Date Taken: 3/2/2017
Overview
12
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 - 12 - 3/3/2017
DWELLING/Roof - 23
Date Taken: 3/2/2017
Overview
DWELLING/Roof - 24
Date Taken: 3/2/2017
Overview - missing shingles
13
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 - 13 - 3/3/2017
DWELLING/Roof - 25
Date Taken: 3/2/2017
Ridge
DWELLING/Roof - 26
Date Taken: 3/2/2017
vent
14
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 - 14 - 3/3/2017
DWELLING/Roof - 27
Date Taken: 3/2/2017
Overview - missing shingles
DWELLING/Roof - 28
Date Taken: 3/2/2017
Overview - missing shingles
15
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 - 15 - 3/3/2017
DWELLING/Roof - 29
Date Taken: 3/2/2017
Overview - missing shingles
DWELLING/Roof - 30
Date Taken: 3/2/2017
skylight
16
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 - 16 - 3/3/2017
DWELLING/Roof - 31
Date Taken: 3/2/2017
skylight
DWELLING/Roof - 32
Date Taken: 3/2/2017
skylights
17
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 - 17 - 3/3/2017
DWELLING/Roof - 33
Date Taken: 3/2/2017
skylight
DWELLING/Roof - 34
Date Taken: 3/2/2017
Overview - missing shingles
18
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 - 18 - 3/3/2017
DWELLING/Roof - 35
Date Taken: 3/2/2017
shingles
DWELLING/Roof - 36
Date Taken: 3/2/2017
Overview
19
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 - 19 - 3/3/2017
DWELLING/Roof - 37
Date Taken: 3/2/2017
Overview
DWELLING/Roof - 38
Date Taken: 3/2/2017
Overview
20
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 - 20 - 3/3/2017
DWELLING/Roof - 39
Date Taken: 3/2/2017
Overview
Front Elevation - 40
Date Taken: 3/2/2017
Overview - no damage noted
21
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 - 21 - 3/3/2017
Front Elevation - 41
Date Taken: 3/2/2017
No damage noted
Front Elevation - 42
Date Taken: 3/2/2017
No damage noted
22
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 - 22 - 3/3/2017
Right Elevation - 43
Date Taken: 3/2/2017
Overview - no damage noted
Right Elevation - 44
Date Taken: 3/2/2017
No damage noted
23
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 - 23 - 3/3/2017
Rear Elevation - 45
Date Taken: 3/2/2017
No damage noted
Rear Elevation - 46
Date Taken: 3/2/2017
Overview
24
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 - 24 - 3/3/2017
Rear Elevation - 47
Date Taken: 3/2/2017
cap blown off
Rear Elevation - 48
Date Taken: 3/2/2017
patio
25
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 - 25 - 3/3/2017
Rear Elevation - 49
Date Taken: 3/2/2017
Overview
Rear Elevation - 50
Date Taken: 3/2/2017
Overview - missing shingles
26
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 - 26 - 3/3/2017
Rear Elevation - 51
Date Taken: 3/2/2017
Overview - missing shingles
Rear Elevation - 52
Date Taken: 3/2/2017
Overview - missing shingles
27
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 - 27 - 3/3/2017
Rear Elevation - 53
Date Taken: 3/2/2017
Overview - missing shingles
Rear Elevation - 54
Date Taken: 3/2/2017
Overview - missing shingles
28
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 - 28 - 3/3/2017
Rear Elevation - 55
Date Taken: 3/2/2017
Overview - missing shingles
Rear Elevation - 56
Date Taken: 3/2/2017
Overview - missing shingles
29
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 - 29 - 3/3/2017
Rear Elevation - 57
Date Taken: 3/2/2017
Overview - missing shingles
Interior - 58
Date Taken: 3/2/2017
skylight reported shifted
30
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 - 30 - 3/3/2017
Interior - 59
Date Taken: 3/2/2017
skylight reported shifted