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Homesite Group Inc. � � � : !r'��`t^'"'"'' " �r�� c�N S L) L'T'1 N c� �'t SF�, ., _:;,,�Z Tht subro8ptio� rtcagnition Bi recovery spesiaiisu, � , � `,� : . :�'�. September 11, 2012 ��C�� Ms. Shari Moore, City Clerk SF� j , 2Q�2 15 Kellog Boulevard West, 310 City Hall ,�, , r.,. ;�:, , Saint Paul, MN 55102 �� ! ��-�'��` Re: Our Client: Homesite Group Inc. Our Claim Number: 0001287287 Our Insured: Nick Martin Date of Loss: 07/11/2012 Type of Loss: Structure Damage—resident's power line struck by City vehicle City of Saint Paul Vehicle No. 2557 Saint Paul Police Department Case No. 12-163-903 Location of Loss: 1872 Grand Avenue— Saint Paul, Minnesota Dear Ms. Moore: With regard to the above-captioned loss, Praxis Consulting, Inc. represents, as agent, Homesite Group Inc. Payment in the amount of $17,047.49, less deductible, has been made to Homesite's insured for damages arising from this incident. Our investigation indicates that this loss was caused by employee negligence. As such, we respectfully request reimbursement. ➢ Please issue payment in the amount of$17,047.49 ➢ Please forward your payment, made payable to Praxis Consulting, Inc a/s/o Homesite Group Inc. ➢ Please reference claim number 0001287287 ➢ Please mail to the following address: Praxis Consulting,Inc PO Box 5 Muncie,indiana 47308 We look forward to your prompt response to this request. Please contact the undersigned to discuss settlement. Sincerely, Kathy Buckley (401) 619-3007 kathy.buckley@praxisconsult ing.co m Enclosure 630 Johnson Ave., Suite 201 •Bohemia,New York• 1 1716 tele: 866.697.8276 • fax: 765.281.1378 • www praxisconsultin .g com I.I�3te Homesite Insurance LOSS REPORT �Z j Company »��,,..w.�.,A�=R 99 Bedford Street Final Boston,MA 021 I I-221'7 Claiins Phone(800)550- 6375 Claims Fax(866)694-8473 Reference: Homesite insurance Claims Report#: 1 99 Bedford St Catastrophe Number: Boston,MA 021(l Policy Number: 31830587 Claim Number:0001287287 bisured: NICK MARTTN and RACHEL MARTIN Date of Loss:7/1 1/2012 1872 GRAND AVE Type of Loss:All other physical damage SAINT PAUL,MN 55105-1403 File Number: ENCLOSURES: Statement of Loss COVERAGE: A-Dwellin� $304.000.00 Eff.Dates: From: 2/21/2012 To: 2/21/3013 Mortgagee: WELLS FARGO BANK NA#936 B-Additional $30,400.00 Su-ucmre Deductible: $1.000.00 C-Personal $212.800.00 Co-Ins.Policy: Yes ❑ No � Property Furms: HH001�,HH0493,HH8035,H0012? D-Loss of Use $60,800.00 H00312,H00416,H00496,H00498, H012�9,H02350,H02352 E-Liability $500.000.00 F-Medical $�,000.00 FINAL RISK:The risk is a single family home is good condition. CAUSF,OF LOSS:A garbage truck hit the power line that runs to the house which caused it to pull away from the house. SCOPE: I met with the insured at the risk. There is damage to the siding on the right elevation. The power pole and gutter was pulled away from the house causing damage to multiple areas on the siding. The siding is asbestos siding approx 40 to 70 years old and we would not be able to match or repair it per code. There was no other damage other than the siding and tl�e power pole which has been replaced. The insured mentioned that the company that hit the line was going to reimburse the insured for the line tl�at was replaced. There might be possible supplements due to the asbestos siding removal. CONTENTS:NA SALVAGE:There is no items to be salvaged SUBRO:It is possible that the company who hit the electrical line could be responsible. The insured has all the info. ALE:NA REPORTS:NA UNDERWRITING:NA COMMENTS:Let me know if you need anything further. STATEMENT OF I,OSS: Item RCV Dep ACV I,imit A-Dwelling $?0,435.22 $3,387.73 �17,047.�9 $19,�35.22 B-Additional $0.00 $��•�� 1�� $�•�� Structure GPersonal Properry $0.00 $0.00 $0.00 $0.00 D-Loss ot Use $0.00 $0.00 $0.00 $0.00 E-Liability $0.00 �0.00 �0.00 $0.00 F-Medical $0.00 $0.00 $0.00 $0.00 TOTALS $20,435.22 $3.387.73 $l 7,047.49 Deduccible I,000.00 Less Priar Payments $0.00 Claim Payable $19.435.22 Lhie Insured $19,435.22 Recoverable Depreciation Totals: $3,387.73 Non-Re�coverable Depreciation Totals: $0.00 Net Claim Without Rec.Depreciation: $16,047.49 RECOMMENDATIONS: I recoinmend payinent ta Insured iu the ACV amount of$16,047.d9. Item Reserve A-Dwellin� $3.000.00 8/8/2012 7ake Stevens Date �'�YI�S�e Homesite Insurance Company 99 Bedford Street Boston.MA 02111-2217 Ctaims Phone(800)550-6375 Claims Fax(866)694-8473 Insured: NICK MARTIN and RACHEL MART'IN Business: (703)842-9500 x work Properry: 1872 GRAND AVE Cellular: (65l)233-3385 SAINT PAUL,MN 55105-1403 E-mail: nicholasfmartin@yahoo.com Home: 1873 GRAND AVE , SAtIVT PAUL,MN 55105-1403 Claii��Rep.: Jake Stevens Estimator: Jake Stevens Reference: Company: Homesite Insurance Claims Business: )9 Bedford St Boston,MA 021 I I Claim Number: 000]287287 Policy Nmnber: 31830587 Type of Loss: All other physical damage Date Contacted: 8/2/2012 Date of Loss: 7/1 U2012 Date Received: 7/31/2012 5:43 PM Date Iuspected: 8/R/2012 Date Entered: R/2/20L 4:0�1 PM Price Lisr. MNMN7X_AUG 12 ResCOration/Service/Remodel Estimate: NICK_MARTIN_AND_ RACH NOTICE: This is a repair estimate prepared by the undersigned adjuster,who has scoped and priced the repairs to your home utilizing Xactimate software. If you have concerns regarding the scope and pricing of this estimate,please contact the adjuster. This is not an authorization of repair or a guarantee of coverage and payment. Coverage and any paymeut due after applicable deductions for depreciation and the deductible will be determined by the adjuster. The adjuster and Homesite Iusurance and affiliate companies assume no responsibility for your choice of contractor,or the quality of their workmanship. Any contractor you engage should be licensed,bonded,and insured. Even when no payment is forthco►ning,the adjuster may prepare an estimate for your benefit,so that you have a point of reference when consulting with others about repairs. Thank you for your business. H�K1l�`S�tC� Homesite Insurance Company 99 Bedford Stceet Boston.MA 021 I 1-2217 Claims Phone(800)550-6375 Claims Fas(866)694-8473 NiCK_MA RTIN_AND_RA CH Front Elevation Formula Elevation 33'x 16'x 0" 528.00 SF Walls 33.00 LF Floor Perimeter 528.00 SF Long Wall 528.00 SF Short Wall 33.00 LF Ceil.Perimeter Subroom 1: Offset 1 Formula Elevation 6'x 5'x 0" 30.00 SF Walls 6.00 LF Floor Perimeter 30.00 SF Long Wall 30.00 SF Short Wall 6.00 LF Ceil.Perimeter DESCRIPTION QUANTITY UNIT COST RCV DEPREC. ACV I. Remove Tear oPf asbestos siding 558.00 3F 2.32 I,29-t.56 (0.00) 1,29�.�6 (no haul of� �. R&R House wrap(air/moismre 558.00 SF 0.28 156.24 (40.18) ll6.06 ban-ier) 2. R&R Fiber cement lap siding- 12" 558.00 SF 3.64 2A31.12 (544.05) I,487.07 3. Fanfold foam insulation board- 558.00 SF 0.40 223?0 (66.96) 156.24 l/4" Totals: Front Elevation 3,70512 6�1..19 3,053.93 Right Elevation Formula Elevation 29'x 22'x 0" � 590.00 SF Walls 29.00 LF Floor Perimeter 638.00 SF Long Wall 63R.00 SF Short Wall 39.00 LF Ceil.Perimeter Missing Wall-Goes to neither Floor/Ceiling (4)3'X 4' Opens into Exterior NiCK_MARTIN_AND_RACH ��A�'�1� Pdbe�� H�te Homesite Insurance Company 99 Bedford Street Boston.MA 0211 I-2217 Claims Phone(800)550-6375 Claims Fax(866)69d-8�73 Subroom 1: Offset 1 Formula Elevation 13'x 14'x 0" 182.00 SF Walls 13.00 LF Floor Perimeter 182.00 SF Lona Wall I 82.00 SF Short Wall 13.00 LF Ceil.Perimeter DESCRIPTION QUANTITY UNIT COST RCV DF,PREC. ACV 5. Remove Tear off asbestos sidina �7?.00 SF 2.32 1,791.04 (0.00) 1,791.04 (no haul of� 6. R&R House wrap(air/moisture 772.00 SF 0.28 216.16 (55.58) 160.58 ban-ier) 7. Rc�R Fiber cement lap sidiug-12" 772.00 SF 3.64 2,810.08 (753.70) 2,057.38 8. Fanfold foam insulation board- 772.00 SF 0.40 308.80 (92.64) 216.16 I/4„ 20. Detach&Reset Gutter/ 40.00 LF 2.88 I 15.20 (0.00) I 1�.20 downspout-aluminum-up to 5" Totals: Right Elevation 5,2�1.28 900.92 4,340.36 Rear Elevation Formula Elevation 33's 22'x 0" 690.00 SF Walls 33.00 LF Floor Perimeter 726.00 SF Long Wall 726.00 SF Short Wall � 33.00 LF Ceil.Peri�neter Missing Wall-Goes to neither F►oor/Ceiling (3)3'X 4' Opens into Exterior DESCRIPTION QUANTITY UNIT COST RCV DEPREC. ACV 9. Remove Tear off asbestos siding 690.00 SF 2.32 1,600.30 (0.00) 1,600.80 (no haul oft) 10. R&R House wrap(aidmoisture 690.00 SF 0.2R 193.20 (49.68) 143.52 barrier) 1 1. R&R Fiber cement lap siding- 12" 690.00 SF 3.64 2,51 1.60 (672.75) 1,838.85 12. Fanfold foam insulation board- 690.00 SF 0.�0 276.00 (82.80) 193_20 I/4" 19. Detach&Reset Gutter/ 40.00 LF 2.R8 l 1520 (0.00) 1 15.20 dow�spout-aluminttm-t�p to S' NICK_MARTiN_AND_RACH 8/8/3012 Page:3 H0111P.S�tC� Homesite Insurance Company 99 Bedford Street Boston.MA 021 L t-2217 Claims Phone(800)550-6375 Claims Fas(866)69d-8473 CONTINUED-Rear Elevation DF,SCRIPTION QUANTiTY UNIT COST RCV DEPRF,C. ACV Totals: Rear Elevation 4,696.80 805.23 3,891.57 Left Elevation Formula Elevation 29'x 22'x 0" 602.00 SF Walls 29.00 LF Floor Perimeter 638.00 SF Long Wall 638.00 SF Short Wall � 29.00 LF Ceil.Perimeter Missing Wall-Goes to neither Floor/Ceiling (4)3'X 3' Opens into Exterior Subroom 1: Offset 1 Formula Elevation 13'x 14'x 0" 182.00 SF Wails 13.00 LF Floor Perimeter � 182.00 SF Long WaII 182.00 SF Short Wall 13.00 LF Ceil.Perimeter DESCRIPTION QUANTITY UNIT CO5T RCV DEPRF,C. ACV l3. Remove Tear off asbestos siding 784.00 SF 232 1,818.88 (0.00) 1.818.88 (no haul oftl l4. R&R House wrap(air/moisture 784.00 SF 028 219.52 (56.45) 163.07 ban-ier) 15. R&R Fiber cement lap siding- 1'_'" 784.00 SF 3.64 2,853J6 (764.40) 2,08936 16. Fanfold foam insulation board- 784.00 SF 0.40 313.60 (94.08) 2 t9.�2 1/4" 17. Meter base and main disconnect- l.00 EA 268.82 268.82 (0.00) 26R.83 Detach&reset l 8. Detach&Reset Gutter/ �0.00 LF 2.88 I I 5.20 (0.00) l 1520 downspout-alttminum-up to 5" Totals• Left Elevation 5,589.78 914.93 4,6'74.85 NiCK_MARTIN_AND_RACH 8/8/3012 Page:4 H4�Y�S�t� Homesite Insurance Company 99 Bedford Street Boston.MA 0211 1-2217 Claims Phone(800)550-6375 Claims Fax(866)694-8473 Debris Removal DF,SCRIPTION QUANTTTY UNiT COST RCV DEPREC. ACV 21. Dumpster load-Appro�.20 yards, I.00 F.A 342.54 342.54 (0.00) 342.54 4 tons of debris 22. Dust control barrier per square 1.00 SF 0.57 0.57 (0.00) 0.57 foot Totals: Debris Removal 343.11 0.00 343.11 Line Item Subtotals: NICK_MARTIN_AND_RACH 19,576.09 3,272.27 16,303.82 Adjustments for Base Service Charges Adjustment Electrician 196.00 Insulation Installer 104.00 Siding installer (42.20 Tutal Adjustments for Base Service Charges: 442.20 Line Item Totals: NICK MARTIN AND RACH 2O,018.29 3,272.27 16,746.02 Grand Total Areas: 2,804.00 SF Walls 0.00 SF Ceiling 2,2i0dA0 SF Walls and Ceiling 0.00 SF Floor 0.00 SY Floorin� 156A0 LF Floor Perimeter 2,92�1.00 SF Long Wall 2,924.00 SF Short Wall 156.00 LF CeiL Perimeter 0.00 Floor Area 0.00 Total Area 0.00 Interior Wall Area 0.00 Exterior Wall Area 0.00 Exterior Perimeter of Walls 0.00 Surfaee Area 0.00 Number of Squares 0.00 Total Perimeter Length 0.00 Total Rid-e Length 0.00 Tutal Hip Length NICK_MARTiN_AND_RACH 8/8/?01'? Page:S H(�1CS�E`� Homesite Insurance Company 99 Bedford Street Bosron.MA 0?I l 1-2?17 Claims Phone(S00)550-6375 Claims Fax(866)69d-8473 Summary for A-Dwelling Line Item Total 19,576.09 Total Adjustments for Base Service Char�es 44220 Mad Sales Tax Reimb @ 7.63��Io 416.93 Replacement Cost Value $20,435.22 Less Depreciation (3,387.73) Actual Cash Value $17,047.49 Less Deductible (1,000.00) Net Claim $16,047.49 To[al Recoverable Depreciation 3,387.73 Net Claim if Depreciation is Recovered $19,435.22 Jahe Steveus NiCK_MARTiN_AND_RACH S/8/30L Paae:6 Ha�es,�te Homesite Insurance Company 99 Bedford Street Boston,MA 02111-2217 Claims Phone(800)550-6375 Claims Fax(866)694-8473 . �� --r _ � ��i jY ' ��il�� : � �� „:� • .� � ,�� .� P� _'� � .. •�`w --- � �r,� , I �R � _ 1 DSC05936 Date Taken: S/7/2012 Taken By:JSTEVENS risk NICK_MARTIN_AND_RACH 8/8/2012 Page:7 H��te� Homesite Insurance Company 99 Bedford Street Boston,MA 021 l 1-2217 Claims Phone(800)550-6375 Claims Fax(866j 694-8473 ��'� �III _�� .�,w x. -' t. � � � ��Y- '�� ,, ;�, ; � x� ��: ! 2 DSC05937 Date Taken:S/7/2012 Taken By:JSTEVENS NICK_MARTIN_AND_RACH 8/8/2012 Page:8 ��te� Homesite Insurance Company 99 Bedford Street Boston,MA 021 I I-2217 Claims Phone(800)550-6375 Claims Fax(866)694-8473 ��: .x `t. M ; �� F �.. � �s�� _ � �'� , � � � � f V � � 3 DSC05938 Date Taken:S/7/2012 Taken By:JSTEVENS NICK_MARTIN_AND_RACH 8/8/�O12 Page:9 H(11I1eS�te Homesite Insurance Company 99 Bedford Street Bustun,MA 021 I I-2217 Claims Pho�e(800)550-6375 Claims Fax(866j 694-8473 � ��`, ' 'r� t � �. � nuy�k ,+�x �i r� ' _ a ik ys; � a � ~ �r s �� k,1 d DSC05939 Date Taken:8/7/201? Taken By:JSTEVENS damages to siding behind gutter NICK_MARTIN_AND_RACH 8/8/2012 Pa�e: 10 �(�YI�S�te� Homesite Insurance C�mpany 99 Bedford S[reet Buston,MA 021 I I-2217 Claims Phone(800)550-6375 Claims Fax(866)694-8473 �� -s: - a�; � � ='� _ * K . �� .. •.-....: S DSC059�0 Date Taken: 8/7/?OL Take�By:JSTEVENS area H�here teh electriacal pole pulled away from NiCK_MARTIN_AND_RACH 8/8/2012 Page: i l H�Y1�S�te Homesite Insurance Company 99 Bedford Street Buston,MA 021 I I-2217 Claims Phone(800)550-6375 Claims Fax(866)694-8473 �� ,°�' � . : �; 6 DSC05941 Date Taken: S/7/�O1? Taken By:JSTEVENS damage to siding NICK_MARTIN_AND_RACH 8/8/�O12 Page: l2 ��te� Homesite Insurance Company 99 Bedford Street Buston,MA 021 I I-2217 Claims Phone(R00)550-6375 Claims Fax(866)694-8473 ,� :r� , ,_� � ' t�. � � � . �• ". .. _ - � ;�� « }. - :�: _ � � , .�� * «,�. � �� _. 1F,�`��i ._ S �t ^�K • �'�p'.�,a � �. �., � �'.2 7 DSC059�2 Date Taken:8/7/ZOl? Taken By:JSTEVENS NICK MARTIN AND RACH 8/8/?012 Pa�e: l3 PROGRESSIVE HOME ADVANTAGE Underwritten By: HOMESITE INSURANCE COMPANY OF THE MIDWEST PO BOX 5300 Binghamton, NY 13902-9953 Tel: 1-866-960-8609 Fax: (866)694-8473 NICK MARTIN RE: Our Insured: NICK MARTIN RACHEL MARTIN Policy Number: 31830587 1872 GRAND AVE Date of Loss: July 11, 2012 SAINT PAUL MN 55105-1403 September 7, 2012 CLAIM NUMBER: 0001287287 Dear Nick Martin & Rachel Martin, Thank you for submitting your claim for consideration of coverage. After a thorough investigation and evaluation of your claim,we have determined that the loss payable under the policy at this time is$16047.49. We have arrived at that figure through the following calculations: Building Other Contents Loss of Use Total Coverage-A Structures Coverage-C Coverage-D Coverage-B RCV(replacement cost value) $20435.22 $ $ $ $20435.22 Recoverable Depreciation $3387.73 $ $ $3357.73 Non-Recoverable Depreciation $ $ $ $ Less Deductible $1000.00 $ $ $ $1000.00 Net $16047.49 Under separate covers you will receive a copy of the repair estimate and our check in the amount of$16047.49. Your policy provides that this loss will be paid at the actual cash value until such time as all specified repairs are completed. Actual cash value represents the replacement cost value depreciated based on age and condition. You are entitled to recover the value of the depreciation identified above if you advise us within 180 days of the time of the loss that you intend to repair or replace the damaged property and provide proof of same. Please refer to your policy under the SECTION 1-CONDITIONS paragraph 3 Loss Settlement and the applicable state form for the full text of the applicable provisions. Your claim continues to be important to us. Should you have any questions or concerns please feel free to contact me at the number below. Thank you for insuring your property with PROGRESSIVE HOME ADVANTAGE. ***When sending e-mail or faxes, please be sure to include your claim number in the subiect line"""` Sincerely, Karlo Arapovic Claims Associate claims@homesite.com The following notice is required by law in certain jurisdictions: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime. HH C1 04 CW 0505 PGR Policy#31830587 793181.00000 Progressive Home Advantage 0000453315 P.O. Box 5300 Binghamton, NY 13902-9953 PAYMENT NOTICE WELLS FARGO BANK NA#936& NICK MARTIN &RACHEL MARTIN 1872 GRAND AVE SAINT PAUL MN 55105-1403 NICK MARTIN&RACHEL MARTIN SRoberts 31830587 0001287287 07/11/2012 09/06/2012 $16047.49 REASON FOR PAYMENT I)Coverage A,$20,435.22 RCV less$3387.73 RD=$17047.49 ACV less$1000. Ded=$16,047.49 net pay. COVERAGE AMOUNT A 0000016047.49 B 0000000000.00 C 0000000000.00 D 0000000000.00 E 0000000000.00 F 0000000000.00 If you have any concerns or questions regarding this payment,please contact your claim associate. Thank you for your business. Progressive Home Advantage Bank of America N.A.-Claims P.O.Box 5300 100 Federal Street 09/06/2012 0000453315 Binghamton,NY 13902-9953 Boston,MA 02110 5-13/110 Poli 8 ai 8 � DOL 1/2 OM SIT I CE OM ANY F ST V ID AFTE 90 S PAY SIXTEEN THOUSAND FORTY-SEVEN AND 49/100 DOLLARS $16047.49 AMOUN7S IN EXCESS OF$500,000.00 REQUIRE 7W0 SIGNATURES TO THE ORDER OF WELLS FARGO BANK NA#936&NICK MARTIN 8 RACHEL MARTIN BY ��'�--- Authorixd signature 1872 GRAND AVE SAINT PAUL MN 55105-1403