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