HomeMy WebLinkAboutSanders repair estimate1
American Family Mutual Insurance Company, S.I.
Claim Scanning Center
6000 American Parkway
Madison, WI 53783-0001
May 10, 2019 Dustin Theriault C: 614-372-9986
F: 866.585-2786 dtheriau@amfam.com
DANIEL SANDERS AND ASHLEY SANDERS
9649 Sycamore Rd
Carmel, IN 46032-9633
Claim Number:01001469310
Date of Loss:4/25/2019
The attached estimate of damages has been prepared for your property. The estimate has used common prices for
labor and material from your area.
Enclosed is our draft for the actual cash value (today's replacement cost less depreciation) of your damaged property. For
Dwelling and Structure damages, we may have included your mortgage company,DOVENMUEHLE MORTGAGE INC
ITS SUCCESSORS AND/OR ASSIGNS, on the draft as required by your policy.
Summary For Coverage A - Dwelling
Replacement Cost Value Less Recoverable Less Non Recoverable Actual Cash Value (ACV)
Depreciation Depreciation
$27,127.53 ($4,105.03)$23,022.50
Less Deductible ($1,000.00)
Total ACV Settlement $22,022.50
Less ACV Payments Made ($21,779.19)
Total Outstanding ACV Settlement $243.31
See the enclosed estimate for details of your settlement which may include other itemized details not shown above.
If you wish to make a claim for the recoverable depreciation amount, you must do TWO things:
1.You must have the item(s) replaced or repaired within one year from your date of loss. *Exception: Georgia and
Washington policies ONLY - Please refer to your policy language as well as the section of this estimate titled
Claiming Recoverable Depreciation following the Estimate Recap or Coverage Limit Details sections.
2. You must submit a final repair bill or purchase receipt showing the item(s) has been repaired or replaced.
The attached estimate is what we expect to be the reasonable cost to repair or replace the property. This estimate may not
include permit fees. If total charges for repair/replacement plus permits exceed the amount shown here for that
repair/replacement, prior to any deductible, then additional amounts may be payable. If the actual cost is more or less, the final
payment will be adjusted accordingly. If you wish, you may repair or replace with higher quality items, however, you will be
responsible for any increase in cost.
Please refer to your policy under either CONDITIONS - SECTION I or HOW WE SETTLE LOSSES - SECTION I for further
details on determining your loss settlement.
Please present this estimate to a contractor or repair facility of your choice BEFORE you authorize the start of repairs. If any
additional damage or costs are identified, for which you believe we should be responsible, they must be approved by a
representative of American Family Insurance prior to having the additional work done. If you, your contractor, or repair
facility have any questions, please contact us at (614) 372-9986.
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American Family Mutual Insurance Company, S.I.
DANIEL SANDERS AND ASHLEY SANDERS 01001469310 5/10/2019 Page: 2
American Family Insurance appreciates your business.
Thank You,
Dustin Theriault
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American Family Mutual Insurance Company, S.I.
DANIEL SANDERS AND ASHLEY SANDERS 01001469310 5/10/2019 Page: 3
Insured:DANIEL SANDERS AND ASHLEY SANDERS Phone:(949) 842-3125
9649 Sycamore Rd
Carmel, IN 46032-9633
Claim Rep.:Dustin Theriault
Estimator:Dustin Theriault
Claim Number:01001469310 Policy Number:410242772465 Type of Loss:Other
Coverage Deductible Policy Limit
Coverage A - Dwelling $1,000.00 $282,500.00
Coverage B - Other Structures Blanket $0.00 $5,000.00
Coverage C - Personal Property $0.00 $113,000.00
Date Contacted:4/30/2019 10:00 AM
Date of Loss:4/25/2019 1:00 PM
Date Est. Completed:5/10/2019 1:23 PM
Price List:ININ8X_APR19_1
Restoration/Service/Remodel
Sales Taxes:Material Sales Tax @ 7.000%
Manuf. Home Tax @ 7.000%
Storage Tax @ 7.000%
Overhead:10.0%
Profit:10.0%
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American Family Mutual Insurance Company, S.I.
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Estimate Recap For Coverage A - Dwelling
Recoverable Non-recoverable
Description RCV ACVDepreciationDepreciation
General Estimate Items:502.80 0.00 0.00 502.80
Crawlspace - Crawlspace 1,251.68 0.00 0.00 1,251.68
SKETCH1 - Main Level - Garage 13,634.03 3,144.45 0.00 10,489.58
SKETCH1 - Main Level - Bedroom # 1 5,974.37 960.58 0.00 5,013.79
Exterior Damage 5,764.65 0.00 0.00 5,764.65
27,127.53 4,105.03 0.00 23,022.50
IMPORTANT - Please read the definitions below
What is replacement cost (RCV)?
Replacement cost is the cost to repair the damaged item with an item of like kind
and quality, without deduction for depreciation.
What is depreciation?
Depreciation is the amount deducted from the replacement cost based upon the
age and condition of the item being replaced.
What is actual cash value (ACV)?
Actual cash value is based on the cost to repair or replace the damaged item
with an item of like kind and quality,less depreciation.
The Actual Cash Value (ACV) is based on an items:Age divided by normal Useful life,unless otherwise
noted. Deviation from Age divided by normal Useful life is common due to inspection evaluation, condition of
the item, obsolescence, product research, expert opinions, utility/functional value, market value and in some
cases all or some of the above. For further information on ACV and the depreciation applied, please contact
your claim representative.
Physical mail you submit: American Family Insurance appreciates your assistance in the handling of your
claim. Any documentation you submit will be scanned and electronically retained in your claim file. Please
include the claim number on the items submitted. The original documentation will be destroyed after 30 days.
If you would like your documents returned, please indicate this on the documents and provide the address to
which you would like the documents returned.
E-mail: Our goal is to provide outstanding customer service. If you choose to use e-mail to communicate with
us regarding your claim, please be sure to include your name and claim number on the subject line. Please
forward any e-mail correspondence regarding your claim to the e-mail address listed below. Thank you for
being our customer.
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American Family Mutual Insurance Company, S.I.
DANIEL SANDERS AND ASHLEY SANDERS 01001469310 5/10/2019 Page: 5
E-mail:dtheriau@amfam.com
Cell: 614-372-9986
Ohio Fraud Warning: "Any person, who, with intent to defraud or knowing that he/she is facilitating a
fraud against an insurer, submits an application or files a claim containing a false or deceptive statement
is guilty of fraud."
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DANIEL_SANDERS_AND_A
General Estimate Items:
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Cost Total Depreciation Value
Dumpster Items:
1. Dumpster load - Approx. 12 yards, 1-3 tons of debris
1.00 EA $419.00 $83.80 $502.80 -$0.00 $502.80
Permits and Fees:
2. Taxes, insurance, permits & fees (Bid Item)
1.00 EA $0.00 $0.00 $0.00 -$0.00 $0.00
American Family Insurance is able to help assist with the costs incurred for permit fees. However, you will need to submit an actual cost of the
permit fess to the adjuster with a copy of the permit. once we have received these documents we can review and process them at that time.
Totals $83.80 $502.80 -$0.00 $502.80
Crawlspace
Crawlspace Height: 4'
588.00 SF Walls 1,201.22 SF Ceiling 1,789.22 SF Walls & Ceiling
1,201.22 SF Floor 133.47 SY Flooring 147.00 LF Floor Perimeter
147.00 LF Ceil. Perimeter
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
As a result of the car impact in the garage damaging the water heater and water softener there was a large amount of water that leaked
into the crawlspace causing damage. In the crawlspace we need to replace about 200 square feet of R19 in the ceiling joists (most of it had
fallen already), and replace about 100LF of duct work insulation wrap that got wet; it was around a section of hard duct work. Hard
Duct is fine except for the damaged flex duct, the hard duct system will need cleaned.
Insulation Items:
3. Replace Batt insulation - 6" - R19 - unfaced batt
200.00 SF $0.89 $37.00 $7.00 $222.00 -$0.00 $222.00
Duct Work Cleaning and Replacement Items:
Pending The Duct Work Cleaning billing to be sent to adjuster from Indiana Restoration.
4. Replace Ductwork - flexible - insulated - 8" round
100.00 LF $8.33 $171.62 $25.06 $1,029.68 -$0.00 $1,029.68
Indiana Water Mitigation and Dry out of the Crawlspace Items:
Pending billing to be sent to adjuster from Indiana Restoration.
Totals $208.62 $32.06 $1,251.68 -$0.00 $1,251.68
SKETCH1
Main Level
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Garage Height: 8'
Window 3' 6" X 4'Opens into Exterior
Door 15' 3" X 7'Opens into Exterior
Door 3' X 6' 8"Opens into LIVING_ROOM
Door 3' X 6' 8"Opens into Exterior
560.58 SF Walls 501.24 SF Ceiling 1,061.82 SF Walls & Ceiling
501.24 SF Floor 55.69 SY Flooring 68.92 LF Floor Perimeter
90.17 LF Ceil. Perimeter
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
The Majority of the line items have been estimated as replace. Indiana Restoration has removed most items and will be part of their
billing for completing the removal portion under the exploratory demo portion of the claim.
Flooring Items:
5. Clean with pressure/chemical spray
501.24 SF $0.28 $0.00 $0.35 $140.70 -$0.00 (5/0yr)$140.70
To help get rid of any of the dirt and debris on the flooring from the car impact.
Framing Items:
6. Replace Carpenter - General Framer - per hour
8.00 HR $54.14 $86.62 $0.00 $519.74 -$0.00 (5/0yr)$519.74
This line item has been estimated in order to help support and move the header for the garage door and move it back into place and make it plum.
7. Replace Temporary shoring post - Screw jack (per day)
2.00 DA $30.84 $12.34 $0.00 $74.02 -$2.48 (5/150yr)$71.54
8. Replace Stud wall - 2" x 4" load bearing - 16" oc
100.00 SF $1.98 $40.84 $6.23 $245.07 -$8.17 (5/150yr)$236.90
Includes: Lumber for window and door openings, headers, a single bottom and double top plate, nails, and installation labor. Labor cost to remove
stud wall lumber and to discard in a job-site waste receptacle.
Garage Door and Trim Items:
9. Replace Overhead door & hardware - 16' x 8'
1.00 EA $1,279.75 $270.70 $73.71 $1,624.16 -$232.03 (5/35yr)$1,392.13
Includes: 16' x 8' overhead door, track, hardware, and installation labor.
10. Replace Wrap wood garage door frame & trim with aluminum (PER LF)
32.00 LF $8.65 $56.34 $4.93 $338.07 -$33.81 (5/50yr)$304.26
11. Replace Overhead (garage) door opener
1.00 EA $308.29 $64.16 $12.53 $384.98 -$192.50 (5/10yr)$192.48
The rails were damaged by the car impact resulting in this items needing to be removed and replaced.
Wall and ceiling Items:
12. Mask per square foot for drywall work
64.00 SF $0.20 $2.60 $0.22 $15.62 -$0.00 $15.62
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Garage continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
13. Mask and prep for paint - tape only (per LF)
100.00 LF $0.52 $10.46 $0.28 $62.74 -$20.90 (5/15yr)$41.84
14. Replace 5/8" drywall - hung, taped, floated, ready for paint
234.00 SF $1.98 $94.16 $7.53 $565.01 -$0.00 $565.01
15. Replace Batt insulation - 10" - R30 - unfaced batt
234.00 SF $1.27 $62.10 $13.27 $372.55 -$12.43 (5/150yr)$360.12
16. Remove Scrape off acoustic (popcorn) texture-no haul off
267.24 SF $2.00 $106.94 $0.19 $641.61 -$0.00 $641.61
17. Replace Texture drywall - light hand texture
501.24 SF $0.59 $59.56 $2.10 $357.39 -$0.00 $357.39
18. Seal/prime then paint the ceiling (2 coats)
501.24 SF $0.82 $83.32 $5.61 $499.95 -$166.66 (5/15yr)$333.29
19. Replace 1/2" drywall - hung, taped, floated, ready for paint
240.00 SF $1.93 $94.08 $7.22 $564.50 -$0.00 $564.50
20. Replace Texture drywall - light hand texture
240.00 SF $0.59 $28.52 $1.01 $171.13 -$0.00 $171.13
21. Replace Batt insulation - 4" - R13 - unfaced batt
153.00 SF $0.67 $21.32 $4.07 $127.90 -$4.28 (5/150yr)$123.62
22. Replace Cabinetry - upper (wall) units - Detach & reset
4.00 LF $39.48 $31.58 $0.00 $189.50 -$0.00 (5/0yr)$189.50
Electrical Items:
23. Clean outlet or switch
4.00 EA $2.65 $0.00 $0.00 $10.60 -$0.00 (5/0yr)$10.60
24. Replace Outlet or switch cover
4.00 EA $2.47 $2.02 $0.17 $12.07 -$2.41 (5/25yr)$9.66
25. Replace Electrical panel cover
1.00 EA $42.79 $8.90 $1.68 $53.37 -$8.89 (5/30yr)$44.48
There is small panel cover that needs to be replaced.
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Garage continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
26. Clean electrical breaker panel
1.00 EA $8.11 $0.00 $0.01 $8.12 -$0.00 (5/0yr)$8.12
27. Clean electrical breaker panel
1.00 EA $8.11 $0.00 $0.01 $8.12 -$0.00 (5/0yr)$8.12
28. Detach & Reset Light fixture
2.00 EA $43.34 $17.34 $0.00 $104.02 -$0.00 $104.02
29. Replace Light bulb - Incandescent spot/flood (R30) - material only
2.00 EA $5.77 $2.46 $0.81 $14.81 -$13.34 (5/1yr)$1.47
Plumbing Items:
30a. Remove Water heater - 80 gallon - Electric
1.00 EA $43.72 $8.74 $0.00 $52.46 -$33.38 (7/11yr)$19.08
30b. Replace Water heater - 80 gallon - Electric
1.00 EA $1,486.12 $313.20 $79.87 $1,879.19 -$1,195.84 (7/11yr)$683.35
The Water heater was damaged by the car impact causing water to leak out into the bedroom and down in the crawlspace area.
31a. Remove Water softener - manual timer - Small
1.00 EA $18.90 $3.78 $0.00 $22.68 -$4.54 (5/25yr)$18.14
31b. Replace Water softener - manual timer - Small
1.00 EA $874.61 $181.22 $31.50 $1,087.33 -$217.46 (5/25yr)$869.87
The Water softener was damaged by the car impact causing water to leak out into the bedroom and down in the crawlspace area.
HVAC Items:
32a. Remove Furnace - forced air - 100,000 BTU
1.00 EA $49.99 $10.00 $0.00 $59.99 -$16.67 (5/18yr)$43.32
32b. Replace Furnace - forced air - 100,000 BTU
1.00 EA $2,077.21 $434.20 $93.78 $2,605.19 -$723.67 (5/18yr)$1,881.52
The Furnace was damaged by the car impact and needs to be removed and replaced.
33a. Remove Condensate drain line
1.00 EA $3.97 $0.80 $0.00 $4.77 -$0.15 (5/150yr)$4.62
33b. Replace Condensate drain line
1.00 EA $48.01 $9.66 $0.28 $57.95 -$1.93 (5/150yr)$56.02
Includes: 10' of 3/4" PVC line, 2 elbows, one slip to thread adaptor, PVC glue, and installation labor. Labor cost to remove a drain line and to
discard in a job-site waste receptacle.
34a. Remove Refrigerant lineset - 3/8" x 3/4" tubing - up to 30'
1.00 EA $11.18 $2.24 $0.00 $13.42 -$4.47 (5/15yr)$8.95
34b. Replace Refrigerant lineset - 3/8" x 3/4" tubing - up to 30'
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Garage continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
1.00 EA $308.40 $63.98 $11.48 $383.86 -$127.95 (5/15yr)$255.91
Includes: Copper lines, pipe insulation, and installation labor. Labor cost to remove a refrigerant lineset and to discard in a job-site waste
receptacle.
Excludes: Charging or recapturing of refrigerant, and line drying. Capture of refrigerant.
35. Replace Central air cond. system - recharge - 5lb refrigerant
1.00 EA $153.89 $31.94 $5.78 $191.61 -$63.87 (5/15yr)$127.74
Includes: Up to 5 pounds of refrigerant and installation labor.
Excludes: Refrigerant evacuation and fluid recovery charges (use HVCACREV, if required), repairs.
36. Replace Central air cond. system - refrigerant evacuation
1.00 EA $141.53 $28.30 $0.00 $169.83 -$56.62 (5/15yr)$113.21
Includes: Disposal fee for spent refrigerant and labor to remove.
Cleaning of Duct work:
Pending billing to be sent to adjuster from Indiana Restoration.
Totals $2,244.42 $364.62 $13,634.03 -$3,144.45 $10,489.58
Bedroom # 1 Height: 8'
Door 2' 8" X 6' 8"Opens into ROOM3
Window 4' X 4'Opens into Exterior
Subroom: Closet (1)Height: 8'
Door 6' 3" X 6' 8"Opens into BEDROOM__1
471.75 SF Walls 165.48 SF Ceiling 637.23 SF Walls & Ceiling
165.48 SF Floor 18.39 SY Flooring 58.44 LF Floor Perimeter
73.61 LF Ceil. Perimeter
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
The Majority of the line items have been estimated as replace. Indiana Restoration has removed most items and will be part of their
billing for completing the removal portion under the exploratory demo portion of the claim.
Flooring Items:
37. Remove Carpet - Standard grade
165.48 SF $0.48 $15.88 $0.00 $95.31 -$47.66 (5/10yr)$47.65
being replaced due to glass shards in the carpet and pad.
38. Replace Carpet - Standard grade
231.00 SF $2.35 $113.94 $26.84 $683.63 -$341.83 (5/10yr)$341.80
being replaced due to glass shards in the carpet and pad.
39. Replace Carpet pad - Standard grade
165.48 SF $0.42 $14.66 $3.82 $87.98 -$44.00 (5/10yr)$43.98
being replaced due to glass shards in the carpet and pad.
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Bedroom # 1 continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
40a. Remove Sheathing - plywood - 3/4" - tongue and groove
96.00 SF $1.02 $19.58 $0.00 $117.50 -$3.92 (5/150yr)$113.58
40b. Replace Sheathing - plywood - 3/4" - tongue and groove
96.00 SF $2.14 $42.66 $7.86 $255.96 -$8.53 (5/150yr)$247.43
Sub Flooring water damaged from Water heater and supply line being damaged from car impact resulting in some water damage to this area. The
Contractor recommends removing and replacing 3 sheets that comes out to 96 SF.
Base Trim Items:
41. Replace Baseboard - 3 1/4" hardwood
58.44 LF $3.61 $44.00 $9.00 $263.97 -$8.79 (5/150yr)$255.18
Bass trim needs to be removed and replaced as a result from the car impact. I also asked the contractor to perform some additional exploratory
demo in order to open walls for the engineer to perform structural inspection of the framing. This has caused the remaining trim items to need to
be removed and replaced in this room.
42. Paint baseboard - two coats
58.44 LF $1.23 $14.48 $0.45 $86.81 -$28.93 (5/15yr)$57.88
Door Items:
43. Detach & Reset Interior door unit
1.00 EA $55.46 $11.12 $0.06 $66.64 -$0.00 $66.64
44. Replace Bypass (sliding) door set - slabs only - Detach & reset
1.00 EA $21.21 $4.24 $0.00 $25.45 -$0.00 (5/0yr)$25.45
45. Replace Casing - 2 1/4" hardwood
37.00 LF $2.22 $17.20 $3.94 $103.28 -$3.45 (5/150yr)$99.83
46. Paint casing - two coats
37.00 LF $1.23 $9.16 $0.28 $54.95 -$18.32 (5/15yr)$36.63
47. Paint door or window opening - 2 coats (per side)
2.00 EA $26.59 $10.76 $0.55 $64.49 -$21.49 (5/15yr)$43.00
48. Paint door or window opening - Large - 2 coats (per side)
2.00 EA $31.29 $12.66 $0.65 $75.89 -$25.30 (5/15yr)$50.59
Window Items:
49a. Remove Vinyl window - double hung, 13-19 sf
1.00 EA $17.08 $3.42 $0.00 $20.50 -$3.43 (5/30yr)$17.07
49b. Replace Vinyl window - double hung, 13-19 sf
1.00 EA $286.54 $60.40 $15.51 $362.45 -$60.41 (5/30yr)$302.04
50. Replace Add on for "Low E" glass
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Bedroom # 1 continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
1.00 SF $1.71 $0.36 $0.12 $2.19 -$0.37 (5/30yr)$1.82
51. Remove Window blind - PVC - 1" - 7.1 to 14 SF
1.00 EA $7.61 $1.52 $0.00 $9.13 -$8.21 (5/5yr)$0.92
The Labor to remove is considered dwelling coverage.
52. Material Only Window blind - PVC - 1" - 7.1 to 14 SF
1.00 EA $19.87 $0.00 $1.39 $21.26 -$19.13 (5/5yr)$2.13
Blinds are considered contents under the policy.
53. Install Only Window blind - PVC - 1" - 7.1 to 14 SF
1.00 EA $31.54 $6.30 $0.00 $37.84 -$34.07 (5/5yr)$3.77
The Labor to Install is considered dwelling coverage.
54a. Remove Window trim set (casing & stop)
14.00 LF $0.39 $1.10 $0.00 $6.56 -$0.22 (5/150yr)$6.34
54b. Replace Window trim set (casing & stop)
14.00 LF $3.09 $8.88 $1.08 $53.22 -$1.78 (5/150yr)$51.44
55. Paint door or window opening - 2 coats (per side)
1.00 EA $26.59 $5.38 $0.27 $32.24 -$10.75 (5/15yr)$21.49
Electrical Items:
56. Replace 110 volt copper wiring run, box and outlet
2.00 EA $58.84 $23.84 $1.54 $143.06 -$7.16 (5/100yr)$135.90
There are two 110 outlet affected by the impact that need to be removed and replaced.
Includes: Outlet, cover, box, 110 volt wiring, and installation labor. Labor cost to remove a 110 volt outlet box, wiring, and cover, and to discard
in a job-site waste receptacle.
57. Replace Outlet or switch cover
3.00 EA $2.47 $1.50 $0.13 $9.04 -$1.81 (5/25yr)$7.23
58. Clean outlet or switch
3.00 EA $2.65 $0.00 $0.00 $7.95 -$0.00 (5/0yr)$7.95
59. Detach & Reset Light fixture
1.00 EA $43.34 $8.66 $0.00 $52.00 -$0.00 $52.00
60. Replace Light bulb - Incand. standard bulb - 2000 hr - mat. only
1.00 EA $1.15 $0.26 $0.08 $1.49 -$1.35 (5/1yr)$0.14
61. Detach & Reset Combination CO/Smoke detector
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Bedroom # 1 continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
1.00 EA $33.21 $6.64 $0.00 $39.85 -$0.00 $39.85
62. Clean light fixture
1.00 EA $8.09 $0.00 $0.00 $8.09 -$0.00 (5/0yr)$8.09
63. Clean smoke/carbon monoxide detector
1.00 EA $4.77 $0.00 $0.00 $4.77 -$0.00 (5/0yr)$4.77
Wall Items:
64. Mask per square foot for drywall work
33.00 SF $0.20 $1.34 $0.12 $8.06 -$0.00 $8.06
65. Mask and prep for paint - tape only (per LF)
100.00 LF $0.52 $10.46 $0.28 $62.74 -$20.90 (5/15yr)$41.84
66. Replace Stud wall - 2" x 4" load bearing - 16" oc
235.88 SF $1.98 $96.34 $14.70 $578.08 -$19.28 (5/150yr)$558.80
Includes: Lumber for window and door openings, headers, a single bottom and double top plate, nails, and installation labor. Labor cost to remove
stud wall lumber and to discard in a job-site waste receptacle.
67. Replace Temporary shoring post - Screw jack (per day)
2.00 DA $30.84 $12.34 $0.00 $74.02 -$2.48 (5/150yr)$71.54
68. Replace Batt insulation - 4" - R13 - unfaced batt
184.00 SF $0.67 $25.64 $4.89 $153.81 -$5.13 (5/150yr)$148.68
69. Replace 1/2" drywall - hung, taped, floated, ready for paint
471.75 SF $1.93 $184.94 $14.20 $1,109.62 -$0.00 $1,109.62
70. Seal/prime then paint the walls (2 coats)
471.75 SF $0.82 $78.42 $5.28 $470.54 -$156.85 (5/15yr)$313.69
Ceiling Items:
71. Replace 5/8" drywall - hung, taped, floated, ready for paint
165.48 SF $1.98 $66.60 $5.33 $399.58 -$0.00 $399.58
72. Replace Texture drywall - light hand texture
165.48 SF $0.59 $19.66 $0.70 $117.99 -$0.00 $117.99
Final Cleaning Items:
73. Final cleaning - construction - Residential
165.48 SF $0.25 $0.00 $0.00 $41.37 -$0.00 (5/0yr)$41.37
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Bedroom # 1 continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
74. Seal/prime then paint the ceiling (2 coats)
165.48 SF $0.82 $27.52 $1.85 $165.06 -$55.03 (5/15yr)$110.03
Totals $981.86 $120.92 $5,974.37 -$960.58 $5,013.79
Bathroom/Laundry Room Height: 8'
Door 2' 8" X 6' 8"Opens into ROOM3
Window 2' 2" X 4'Opens into Exterior
273.09 SF Walls 87.09 SF Ceiling 360.18 SF Walls & Ceiling
87.09 SF Floor 9.68 SY Flooring 34.77 LF Floor Perimeter
37.44 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Living Room Height: 8'
Door 10' 3" X 6' 8"Opens into SUNROOM
Door 3' X 6' 8"Opens into GARAGE
Subroom: Room3 (1)Height: 8'
Door 2' 8" X 6' 8"Opens into BATHROOM_LAU
Door 2' 8" X 6' 8"Opens into BEDROOM__1
Missing Wall 3' 2" X 8'Opens into LIVING_ROOM
Door 2' 8" X 6' 8"Opens into LINEN_CLOSET
562.83 SF Walls 326.63 SF Ceiling 889.46 SF Walls & Ceiling
326.63 SF Floor 36.29 SY Flooring 66.37 LF Floor Perimeter
90.28 LF Ceil. Perimeter
Subroom: Linen Closet (2)Height: 8'
Door 2' 8" X 6' 8"Opens into ROOM3
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Stairway Height: 8'
Missing Wall 3' 1 3/8" X 8'Opens into FOYER_ENTRY
118.23 SF Walls 18.16 SF Ceiling 136.39 SF Walls & Ceiling
18.16 SF Floor 2.02 SY Flooring 14.78 LF Floor Perimeter
14.78 LF Ceil. Perimeter
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Stairway continued...
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Sunroom Height: 8'
Window 5' 7" X 4'Opens into Exterior
Window 5' 3" X 4'Opens into Exterior
Door 3' 1" X 6' 8"Opens into Exterior
Door 10' 3" X 6' 8"Opens into LIVING_ROOM
Window 5' 6" X 4'Opens into Exterior
Window 5' 6" X 4'Opens into Exterior
639.35 SF Walls 496.17 SF Ceiling 1,135.51 SF Walls & Ceiling
496.17 SF Floor 55.13 SY Flooring 85.92 LF Floor Perimeter
115.42 LF Ceil. Perimeter
Subroom: Closet (1)Height: 8'
Door 8' 1" X 6' 8"Opens into SUNROOM
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Kitchen Height: 8'
Window 5' 1" X 4'Opens into Exterior
Window 2' 5" X 4'Opens into Exterior
Window 5' 6" X 4'Opens into Exterior
Missing Wall 3' 10" X 8'Opens into FOYER_ENTRY
484.00 SF Walls 282.58 SF Ceiling 766.58 SF Walls & Ceiling
282.58 SF Floor 31.40 SY Flooring 67.00 LF Floor Perimeter
67.00 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
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Foyer/Entry Height: 8'
Missing Wall 4' 6 9/16" X 8'Opens into OFFICE
Missing Wall 3' 10" X 8'Opens into KITCHEN
Missing Wall 3' 1 3/8" X 8'Opens into STAIRWAY
Window 1' X 4'Opens into PORCH
Door 3' X 6' 8"Opens into PORCH
225.70 SF Walls 67.25 SF Ceiling 292.95 SF Walls & Ceiling
67.25 SF Floor 7.47 SY Flooring 26.91 LF Floor Perimeter
37.74 LF Ceil. Perimeter
Subroom: Closet (1)Height: 8'
Door 3' 11" X 6' 8"Opens into FOYER_ENTRY
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Office Height: 8'
Missing Wall 4' 6 9/16" X 8'Opens into FOYER_ENTRY
Window 8' X 4'Opens into Exterior
375.61 SF Walls 189.76 SF Ceiling 565.37 SF Walls & Ceiling
189.76 SF Floor 21.08 SY Flooring 50.95 LF Floor Perimeter
50.95 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Porch Height: 8'
Window 1' X 4'Opens into FOYER_ENTRY
Door 3' X 6' 8"Opens into FOYER_ENTRY
Missing Wall 2' 8" X 8'Opens into Exterior
Missing Wall 8' 7" X 8'Opens into Exterior
Missing Wall 2' 7" X 8'Opens into Exterior
81.33 SF Walls 39.13 SF Ceiling 120.47 SF Walls & Ceiling
39.13 SF Floor 4.35 SY Flooring 10.17 LF Floor Perimeter
13.17 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
2nd Floor
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Master Bedroom Height: 8'
Window 4' X 4'Opens into Exterior
Door 2' 2" X 6' 8"Opens into MASTER_BATH
Door 2' 8" X 6' 8"Opens into HALLWAY
Subroom: Closet1 (1)Height: 8'
Missing Wall - Goes to Floor 4' 1" X 6' 8"Opens into MASTER_BEDRO
442.67 SF Walls 161.53 SF Ceiling 604.20 SF Walls & Ceiling
161.53 SF Floor 17.95 SY Flooring 55.17 LF Floor Perimeter
68.17 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Bathroom Height: 8'
Door 2' 1" X 6' 8"Opens into HALLWAY
208.78 SF Walls 44.90 SF Ceiling 253.68 SF Walls & Ceiling
44.90 SF Floor 4.99 SY Flooring 25.75 LF Floor Perimeter
27.83 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Master Bath Height: 8'
Window 3' X 4'Opens into Exterior
Door 2' 2" X 6' 8"Opens into MASTER_BEDRO
188.22 SF Walls 40.49 SF Ceiling 228.71 SF Walls & Ceiling
40.49 SF Floor 4.50 SY Flooring 24.67 LF Floor Perimeter
26.83 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
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Hallway Height: 8'
Missing Wall 3' X 8'Opens into STAIRWAY
Door 2' 7" X 6' 8"Opens into BEDROOM__3
Door 2' 5" X 6' 8"Opens into BEDROOM__2
Door 2' 8" X 6' 8"Opens into MASTER_BEDRO
Door 2' 1" X 6' 8"Opens into BATHROOM
177.44 SF Walls 43.83 SF Ceiling 221.28 SF Walls & Ceiling
43.83 SF Floor 4.87 SY Flooring 19.92 LF Floor Perimeter
33.50 LF Ceil. Perimeter
Subroom: Linen Closet (1)Height: 8'
Door 1' 11" X 6' 8"Opens into HALLWAY
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Stairway Height: 8'
Missing Wall 3' X 8'Opens into Exterior
Missing Wall 3' X 8'Opens into HALLWAY
105.33 SF Walls 19.00 SF Ceiling 124.33 SF Walls & Ceiling
19.00 SF Floor 2.11 SY Flooring 13.17 LF Floor Perimeter
13.17 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Bedroom # 2 Height: 8'
Window 3' 6" X 4'Opens into Exterior
Door 2' 5" X 6' 8"Opens into HALLWAY
Subroom: Closet2 (1)Height: 8'
Missing Wall - Goes to Floor 4' 2" X 6' 8"Opens into BEDROOM__2
447.67 SF Walls 156.46 SF Ceiling 604.13 SF Walls & Ceiling
156.46 SF Floor 17.38 SY Flooring 55.92 LF Floor Perimeter
66.67 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
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Bedroom # 3 Height: 8'
Door 2' 7" X 6' 8"Opens into HALLWAY
Window 3' 6" X 4'Opens into Exterior
Subroom: Closet (1)Height: 8'
Missing Wall - Goes to Floor 4' 1" X 6' 8"Opens into BEDROOM__3
371.67 SF Walls 117.12 SF Ceiling 488.78 SF Walls & Ceiling
117.12 SF Floor 13.01 SY Flooring 46.42 LF Floor Perimeter
57.17 LF Ceil. Perimeter
Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value
At the Time of the Adjusters Inspection on Wednesday May 1st 2019. The was no documented damage in this area of the home.
Totals $0.00 -$0.00 $0.00
Exterior Damage
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
Brick Veneer Items:
75a. Remove Brick veneer
216.00 SF $1.72 $74.30 $0.00 $445.82 -$0.00 $445.82
75b. Replace Brick veneer
216.00 SF $13.47 $594.30 $61.99 $3,565.81 -$0.00 $3,565.81
This line item is to remove and replace the damaged brick section from the corner of the garage door impacted by the car impact over to the area
of the brick that stops near the front door entry area. At the time of the inspection i reviewed the policy about there being no coverage for
matching and explained to the insured and contractor that i could only complete and estimate to remove an replace this area of the brick that was
damaged.
Includes: Brick, mortar mix, sand, brick ties, and labor to install. Labor cost to remove brick veneer and to discard in a job-site waste receptacle.
76a. Remove Sheathing - plywood - 3/4" CDX
216.00 SF $0.51 $22.04 $0.00 $132.20 -$0.00 $132.20
76b. Replace Sheathing - plywood - 3/4" CDX
216.00 SF $1.81 $81.32 $15.57 $487.85 -$0.00 $487.85
this has been estimated as it will be damaged during the removal process of the brick and will be an easy transition to just remove and replace it
upfront.
77. Replace Brick - Add for soldier or sailor course
40.00 LF $3.06 $24.48 $0.00 $146.88 -$0.00 $146.88
This accounts for the stacked brick along the top of the exterior wall and for the octagon window.
78. Replace Two ladders with jacks and plank (per week)
1.00 WK $325.12 $65.02 $0.00 $390.14 -$0.00 $390.14
Wood Trim Items:
79a. Remove Trim board - 1" x 4" - installed (cedar)
24.00 LF $0.30 $1.44 $0.00 $8.64 -$0.00 $8.64
79b. Replace Trim board - 1" x 4" - installed (cedar)
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Exterior Damage continued...
Description Overhead &Replacement Less Actual Cash
Qty Unit Price Profit Taxes Cost Total Depreciation Value
24.00 LF $3.21 $16.02 $3.14 $96.20 -$0.00 $96.20
To remove the trims boards over the brick in this area in order to remove and replace the brick. The trim board will need to be replaced and the
soffit area connected to it.
80a. Remove Trim board - 1" x 10" - installed (cedar)
20.00 LF $0.34 $1.36 $0.00 $8.16 -$0.00 $8.16
80b. Replace Trim board - 1" x 10" - installed (cedar)
20.00 LF $8.18 $34.60 $9.42 $207.62 -$0.00 $207.62
To remove the trims boards over the brick in this area in order to remove and replace the brick. The trim board will need to be replaced and the
soffit area connected to it.
81. Seal & paint trim - two coats
45.00 LF $1.22 $11.04 $0.32 $66.26 -$0.00 $66.26
82. Prime & paint exterior soffit - wood
90.00 SF $1.91 $34.84 $2.33 $209.07 -$0.00 $209.07
Totals $960.76 $92.77 $5,764.65 -$0.00 $5,764.65
Overhead &Replacement Less Actual Cash
Profit Cost Total Depreciation ValueTaxes
Estimate Totals $4,479.46 $610.37 $27,127.53 -$4,105.03 $23,022.50
If the section above is titled “Labor Minimums Applied,” additional amounts may have been added to your estimate.
These additional amounts are designed to accommodate a contractor’s minimum fee for coming to your property and
completing all or part of the repairs included in this estimate. In situations where an average contractor’s minimum fee
has been met or exceeded in the scope of repairs in the above estimate, the “Labor Minimums Applied” section may not
be present.
Important
Please Read This Document to Assist You in Understanding the Estimate
What is Replacement Cost Value (RCV)?
Replacement cost is the cost to repair or replace the damaged item with an item of like kind and quality, without deduction for
depreciation.
What is Actual Cash Value (ACV)?
Actual cash value is based on the cost to repair or replace the damaged item with an item of like kind and quality, less
depreciation.
What is depreciation?
Depreciation is the amount deducted from the replacement cost based upon the age and condition of the item being replaced. In
other words, it is the difference between RCV and ACV.
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What is a deductible?
For each loss, the amount you chose to be your responsibility before your policy coverage begins to pay.
How am I reimbursed?
Reimbursement for repair or replacement of covered damaged items will be in the form of one or more payments depending on
your policy. The actual cash value payment is for the full cost of the repair or the actual cash value of the replacement,
whichever is less.
Your policy may have replacement cost coverage on the structure and/or personal property. If so, a "recoverable depreciation”
amount will be listed on the estimate. This amount may be claimed upon completion of the work or upon replacement of the
items. You must have the item(s) replaced or repaired within the time limit identified in your policy – please refer to your policy
language. If you spend less on the items than what is listed on the estimate under the Replacement Cost Total column, your
depreciation payment will be adjusted and will reflect the amount you actually spent to replace the items. If you spend more on
the items and purchase an upgrade, the cost above the estimate amount will be your responsibility.
Where do I send the repair bills or replacement receipts?
Please include your name, phone number and claim number with all documents and send to:
Mail: American Family Insurance
Attn: Scanning Center
6000 American Parkway
Madison, WI 53783
Fax: 866-585-2786
Cell: 614-372-9986
Email:dtheriau@amfam.com or Email: scanmail@amfam.com
What advice do you have for locating a reliable contractor?
As the owner, you are always in control of the work being completed on your property. It is critical to select a reputable
contractor. Ask for references and make sure the contractor is insured and bonded. Before repairs are started, present a copy of
your American Family estimate to your contractor for agreement.
What if my contractor ’ s estimate is different from this estimate?
In most cases, your contractor will work off of this estimate. If there are differences, we will review and work to resolve them
with you and your contractor. Should you choose to proceed with the repairs before contacting us to resolve any differences, you
may jeopardize your right to collect additional monies.
Why is my mortgage company listed on the payment?
An insurance policy is a contract with you, us, and any named interests (generally mortgage lenders) listed on the policy. We are
required through the terms of this policy to protect their interests as well. Please contact your mortgage company to obtain the
steps required to process the payment. These steps can vary dependent upon the size of the payment and differing procedures of
each lender.
Will I receive a survey about my claims experience?
After your claim is closed, you may receive a survey on your recent claims experience. The survey will ask you to grade us on
particular issues. We strive for exceptional ratings. If you experienced anything less than exceptional, please let us know.
This FAQ does not modify your policy language, please refer directly to your policy for specific rights, terms and cond
itions or contact your adjuster.
22DANIEL SANDERS AND ASHLEY SANDERS010014693105/10/2019Page: 22SKETCH1 - CrawlspaceCrawlspaceCrawlspace25' 4"26'24' 5"25' 1"48' 2"48' 10"10"10"24' 6"25' 2"23' 9"23' 9"
23DANIEL SANDERS AND ASHLEY SANDERS010014693105/10/2019Page: 23SKETCH1 - Main LevelGarageBedroom # 1Closet (1)StairwayBathroom/Laundry RoomLiving RoomLinen Closet (2)SunroomCloset (1)KitchenFoyer/EntryCloset (1)OfficePorchArea of Damage from Car ImpactMain Level25' 2"25' 10"19' 11"20' 3"11' 7"12' 1"12' 7"5'5'12' 3"12' 1"3' 10"9'2' 5"2' 1"2' 11"2' 5"9' 7"44' 6"8' 8"21' 7"22' 1"14'14' 4"12' 11"12' 9"3' 5"3' 2"1' 11"1' 5"5' 1"2' 6"3'20' 6"24' 5"9' 10"10'10' 8"10' 4"2' 10"10' 10"23' 4"23' 8"2' 8"12' 3"6"21' 6"8"5' 6"8' 7"6' 6"6' 4"3' 1"15' 7"15' 11"3' 1"4' 7"12'12' 6"4' 10"5' 2"15' 11"15' 9"2' 3"2' 3"2' 2"7' 7"7' 3"10"
24DANIEL SANDERS AND ASHLEY SANDERS010014693105/10/2019Page: 24SKETCH1 - 2nd FloorLinen Closet (1)Closet (1)Bedroom # 3BathroomMaster BedroomBedroom # 2StairwayHallwayCloset2 (1)Closet1 (1)Master Bath2nd Floor5' 1"5' 7"2' 3"6' 8"12' 11"13' 5"5' 3"2' 5"9' 4"2' 5"2' 1"2' 7"4' 7"5' 1"13' 8"14' 2"8' 10"1' 1"11"10' 11"11' 5"11' 1"11' 7"4' 4"4' 6"3' 5"3' 5"7' 5"7' 7"9' 10"6'6' 2"2' 8"2' 10"6' 6"3'1' 11"2' 11"2' 11"2' 1"2' 5"4' 9"3' 10"3' 8"9' 7"10' 1"
25DANIEL SANDERS AND ASHLEY SANDERS010014693105/10/2019Page: 25Source - Geomni Roof - Source - Geomni RoofL (2)(A)F5(B)F6J (3)(A)F11(B)F12(D)F13R (1)(A)F14(B)F15(C)F16Dwelling Roof(A)F7(B)F8(C)F9(D)F10Source - Geomni Roof19' 11"14' 1"13' 5"14' 1"13' 5"26' 9"24' 11"14' 2"13' 5"14' 2"13' 5"11' 6"26' 11"19' 7"22' 10"9' 5"19' 7"30' 8"14' 2"13' 5"14' 2"13' 5"3' 10"19' 6"19' 6"