---
description: Insurance claim related to Hurrican Helene Damage
hide_table_of_contents: false
---

# Insurance Summary

## Log

- 03/10 - State Farm [Revised Claim Estimate](/notes/house/helene-ins-adjust.md) 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](/notes/house/helene-ins-adjust.md)
  - codensed the tables into an easier to read [formatted summary](/notes/house/helene-ins-sum.md) 
- 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](/notes/house/helene-ins-adjust) so that we could more easily compare them item to item with our contractor's estimates & invoices. 
:::

## Insurance Claim Totals

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="2">**Summary**</td>
<td colspan="2">**Time & Materials**</td>
</tr>
<tr>
<td>Line Item Total</td>
<td>12,589.48</td>
<td>Material</td>
<td>2,960.98</td>
</tr>
<tr>
<td>Tax</td>
<td>207.27</td>
<td>Labor</td>
<td>9,804.46</td>
</tr>
<tr>
<td>Subtotal</td>
<td>12,796.75</td>
<td>Equipment</td>
<td>1,200.15</td>
</tr>
<tr>
<td>Laundry &amp; D/C Tax</td>
<td>0.58</td>
<td>Miscellaneous</td>
<td>8.25</td>
</tr>
<tr>
<td>**RCV** Replacement Cost Value</td>
<td>12,797.33</td>
<td>Subtotal</td>
<td>13,973.84</td>
</tr>
<tr>
<td>Less Depreciation (Including Taxes)</td>
<td>(2,044.36)</td>
<td>Material Sales Tax</td>
<td>207.27</td>
</tr>
<tr>
<td>Less Deductible</td>
<td>(2,620.64)</td>
<td>Laundry &amp; D/C Tax</td>
<td>0.58</td>
</tr>
<tr>
<td>**Net** Actual Cash Value Payment</td>
<td>**$8,132.33**</td>
<td>Total **ACV** Actual Cost Value</td>
<td>**14,181.69**</td>
</tr>
</tbody>
</table>

## Insurance Reimbursement vs. Contractor Costs

### Tree Removal

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr>
<td colspan="6">Tree Removal -</td>
</tr>
<tr>
<td colspan="3">Tree - removal and disposal</td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td>2,239.44</td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td>1,165.92</td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items 39-40</td>
<td></td>
<td style={{ borderTop: "2px solid" }}>**3,405.36**</td>
<td>JMP Construction </td>
<td></td>
<td style={{ borderTop: "2px solid" }}>**6750.00**</td>
</tr>
<td colspan="4"></td>
<td>Difference:</td>
<td>**3344.64**</td>
<tr>
</tr>
</tbody>
</table>

### Landscaping

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Landscaping -</td>
</tr>
<tr>
<td colspan="6">**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. </td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}>**0.00**</td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Demolition

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Demolition -</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Roof

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Roof -</td>
</tr>
<tr>
<td colspan="6">**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.</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td>493.54</td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td>4,259.46</td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items 1-4 </td>
<td></td>
<td style={{ borderTop: "2px solid" }}>**4,753.00**</td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Insulation

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Insulation -</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Siding

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Siding-</td>
</tr>
<tr>
<td colspan="6">**note:** cedar siding - about 40-60ft needs to be replaced</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td>1.20 🛑</td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td>204.50</td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Soffit, Fascia, & Gutter

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Soffit, Fascia, & Gutter -</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Windows

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Windows -</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Doors

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Doors -</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Drywall

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Drywall -</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Paint

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Paint -</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>

### Flooring

<table>
<tbody>
<tr style={{ borderBottom: "2px solid" }}>
<td colspan="3">**Insurance**</td>
<td colspan="3">**Contractor**</td>
</tr>
<tr style={{ borderTop: "2px solid" }}>
<td colspan="6">Flooring -</td>
</tr>
<tr>
<td colspan="6">**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.</td>
</tr>
<tr>
<td colspan="3"></td>
<td colspan="3"></td>
</tr>
<tr>
<td></td>
<td>Materials</td>
<td></td>
<td></td>
<td>Materials</td>
<td></td>
</tr>
<tr>
<td></td>
<td>Labor</td>
<td></td>
<td></td>
<td>Labor</td>
<td></td>
</tr>
<tr>
<td>Line Items - </td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
<td>Contractor(s)</td>
<td></td>
<td style={{ borderTop: "2px solid" }}></td>
</tr>
</tbody>
</table>