Insurance Carrier - WPS Cat

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Insured: Mr. Sample Home: (123) 456-7890

Property: 111 Sample Rd.Sampletown, FL 12345

Claim Rep.: WPS CAT

Estimator: WPS CAT

Claim Number Policy Number Type of Loss Deductible

11111 11112 Dwelling $3,560.0011111 11112 OTHER STRUCTURES $0.00

Dates:Date of Loss: 10/24/2005 Date Received: 01/10/2006

Date Inspected: 01/14/2006 Date Entered: 01/17/2006Price List: FLMI4B6A

Restoration/Service/RemodelEstimate: WPS-TRN-SAMPLE1

This is a repair estimate. The insurance policy may contain provisions that will reduce any payment that might be made. Receipt of a copy of this estimate is not to be interpreted as an acceptance of liability. All estimate figures are subject to company review and approval. This is not an authorization to repair. Authorization to repair or guarantee of payment must come from the owner of the property. No adjuster or appraiser has the authority to authorize or guarantee payment. The insurer assumes no responsibility for the quality of repairs that might be made. A copy of this document does not constitute a settlement of this claim. The above figures are subject to the insurance company approval.

Sales tax is included in unit prices except where noted.

Florida 817.234(1)(b) Any person who, knowingly and with the intent to injure, defraud or deceive any insurer files, a statement claim or application containing any false, incomplete or misleading information is guilty of a felony in the third degree.

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WPS-TRN-SAMPLE1 06/24/2006 Page: 2

WPS-TRN-SAMPLE1

Main LevelArea Items: Main Level

RCVDESCRIPTION QUANTITY UNIT COST DEPREC. ACV

ALL MEASUREMENTS TAKEN FROM SCOPE NOTES.

Area Items Total: Main Level 0.00 0.00 0.00

Room: Barrel Tile Roof


Replace wind damaged ridge and field tiles (21 pieces). Replacement of field tiles is at 3:1 ratio considering breakage and footfall.R&R Tile roofing - Clay - Barrel 63.00 EA 26.05 N 1,641.15 <0.00> 1,641.15(mission) (per TILE)Ridge cap - tile roofing 23.00 LF 10.13 N 232.99 <0.00> 232.99

Room Totals: Barrel Tile Roof 1,874.14 0.00 1,874.14

Room: FLAT ROOF


Repair flat roof for storm related leakage into back patio.Roofing repair - hot material required - 1.00 EA 1455.00 N 1,455.00 <0.00> 1,455.00Minimum charge

Room Totals: FLAT ROOF 1,455.00 0.00 1,455.00

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ExteriorArea Items: Exterior



Right section of wooden fence was completely destroyed due to hurricane winds and tree impact and requires replacement. Damaged fence had been removed by the insured before inspection. Some fence debris remaining. Neighbor confirms fence was intact before storm.PAYMENT IS AT ACV PER POLICY.R&R Wood fence - board on board - 72.50 LF 29.24 N 2,119.90 <572.76> 1,547.145'- 6' high - treatedRepair 24 LF of leaning fence and one wooden gate for storm damage.Wood fence 5' - 6' high - Detach & 3.00 EA 51.07 N 153.21 <0.00> 153.21reset - per 8' sectionWood gate - Detach & reset 4.00 LF 14.92 N 59.68 <0.00> 59.68

Palm tree at front right elevation hit fence and roof. Tree was removed by the insured. Allowance for insured labor.Tree - removal and disposal - per hour 5.00 HR 89.16 445.80 <0.00> 445.80including equipmentExterior light post storm damaged- replace.R&R Exterior post light fixture 1.00 EA 179.67 179.67 <0.00> 179.67

Area Items Total: Exterior 2,958.26 572.76 2,385.50

Room: Shed

224.00 SF Walls272.00 SF Walls & Ceiling

5.33 SY Flooring28.00 LF Ceil. Perimeter

48.00 SF Ceiling48.00 SF Floor28.00 LF Floor Perimeter


Repair wind damaged shed roof (3 tab) and water damaged interior.Roofing repair - Minimum charge 1.00 EA 510.00 *N 510.00 <0.00> 510.00R&R 1/2" drywall - hung, taped, 32.00 SF 2.32 74.24 <0.00> 74.24floated, ready for paintSeal/prime the surface area - one coat 32.00 SF 0.32 10.24 <0.00> 10.24Paint the walls and ceiling - two coats 272.00 SF 0.62 168.64 <0.00> 168.64- 2 colorsContents - move out then reset 1.00 EA 33.36 33.36 <0.00> 33.36

Room Totals: Shed 796.48 0.00 796.48

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Room: Patio


Repair wind damaged gutter at rear patio and replace 2 ceiling fans torn off due to hurricane force (see insured's pictures). R&R Gutter / downspout - aluminum 30.00 LF 4.60 138.00 <0.00> 138.00R&R Ceiling fan & light 2.00 EA 209.43 418.86 <0.00> 418.86

Repair warped patio wood ceiling due to leakage from flat roof.Paneling Installer - Finish Carpenter - 6.00 HR 48.27 289.62 <0.00> 289.62per hourElectric meter base was water damaged due to flat roof leakage. Insured had it replaced.R&R Meter base and main disconnect 1.00 EA 184.54 184.54 <0.00> 184.54- 100 - 125 amp

Room Totals: Patio 1,031.02 0.00 1,031.02

Area Items Total: Exterior 4,785.76 572.76 4,213.00

Room: Other


Dumpster load - Approx. 20 yards, 4 1.00 EA 382.55 382.55 <0.00> 382.55tons of debris

Room Totals: Other 382.55 0.00 382.55

InteriorArea Items: Interior


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CONTINUED - Interior

DESCRIPTION QUANTITY UNIT COST RCV DEPREC. ACV


Area Items Total: Interior 0.00 0.00 0.00

Room: Living Room





Repair drywall ceiling for slight storm related water damage.R&R 5/8" drywall - hung, taped, 64.00 SF 2.81 179.84 <0.00> 179.84heavy texture, ready for paintR&R Batt insulation - 10" - R30 64.00 SF 1.34 85.76 <0.00> 85.76Apply anti-microbial agent 64.00 SF 0.16 10.24 <0.00> 10.24Seal/prime the surface area - one coat 64.00 SF 0.32 20.48 <0.00> 20.48Paint the ceiling - two coats 276.04 SF 0.56 154.58 <0.00> 154.58Floor protection - self-adhesive 276.04 SF 0.41 113.18 <0.00> 113.18plastic filmContents - move out then reset - Extra 1.00 EA 100.08 100.08 <0.00> 100.08large roomDetach & Reset Recessed light fixture 5.00 EA 52.82 264.10 <0.00> 264.10Detach & Reset Heat/AC register 1.00 EA 7.44 7.44 <0.00> 7.44

Room Totals: Living Room 935.70 0.00 935.70

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Room: Bedroom





Repair exterior door and surrounding wall area for wind damage.Door repair - Minimum charge 1.00 EA 155.00 155.00 <0.00> 155.00Plaster patch - ready for paint 1.00 EA 174.73 174.73 <0.00> 174.73Paint the walls and ceiling - two coats 831.33 SF 0.56 465.54 <0.00> 465.54Floor protection - self-adhesive 274.00 SF 0.41 112.34 <0.00> 112.34plastic filmDetach & Reset Light fixture 1.00 EA 25.20 25.20 <0.00> 25.20Contents - move out then reset - Large 1.00 EA 50.03 50.03 <0.00> 50.03room

Room Totals: Bedroom 982.84 0.00 982.84

Area Items Total: Interior 1,918.54 0.00 1,918.54

Area Items Total: Main Level 10,415.99 572.76 9,843.23

Line Item Subtotals: WPS-TRN-SAMPLE1 10,415.99 572.76 9,843.23

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Adjustments for Base Service Charges Adjustment

Cleaning Remediation Technician 66.18

Type-Of-Loss COVERAGE A @ 100.00 %= 66.18Drywall Installer/Finisher 359.88

Type-Of-Loss COVERAGE A @ 71.43 %= 257.06COV B @ 28.57 %= 102.82

Electrician 111.90


Fencing Installer 92.08

COV B @ 100.00 %= 92.08Heating / A.C. Mechanic 118.38

Type-Of-Loss COVERAGE A @ 100.00 %= 118.38Insulation Installer 98.78

Type-Of-Loss COVERAGE A @ 100.00 %= 98.78General Laborer 26.47


Plasterer 243.48

Type-Of-Loss COVERAGE A @ 100.00 %= 243.48Painter 91.26


Roofer 287.55


Siding Installer 133.04

Type-Of-Loss COVERAGE A @ 100.00 %= 133.04

Total Adjustments for Base Service Charges: 1629.00

Line Item Totals: WPS-TRN-SAMPLE1 12,044.99 595.50 11,472.23

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Grand Total Areas:1,220.67 SF Walls 598.04 SF Ceiling 1,818.71 SF Walls and Ceiling

598.04 SF Floor 66.45 SY Flooring 152.58 LF Floor Perimeter0.00 SF Long Wall 0.00 SF Short Wall 152.58 LF Ceil. Perimeter

598.04 Floor Area 645.79 Total Area 1,220.67 Interior Wall Area1,066.00 Exterior Wall Area 146.50 Exterior Perimeter of

Walls

0.00 Surface Area 0.00 Number of Squares 0.00 Total Perimeter Length0.00 Total Ridge Length 0.00 Total Hip Length

Type of Loss Amount % Grand Total %

Dwelling 7,107.05 68.23% 9,498.64 74.74%

OTHER STRUCTURES 3,308.94 31.77% 3,210.67 25.26%

Total 10,415.99 100.00% 12,709.31 100.00%

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Summary for DwellingLine Item Total 7,107.05Total Adjustments for Base Service Charges 1,333.94Material Sales Tax @ 6.500% x 1,074.90 69.87

Subtotal 8,510.86Overhead @ 10.0% x 4,938.85 493.89Profit @ 10.0% x 4,938.85 493.89

Replacement Cost Value 9,498.64Less Deductible (3,560.00)

Net Claim 5,938.64

WPS CAT

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Summary for OTHER STRUCTURESLine Item Total 3,308.94Total Adjustments for Base Service Charges 295.06Material Sales Tax @ 6.500% x 1,235.16 80.29

Subtotal 3,684.29Overhead @ 10.0% x 609.45 60.94Profit @ 10.0% x 609.45 60.94

Replacement Cost Value 3,806.17Less Non-Recoverable Depreciation <595.50>

Actual Cash Value 3,210.67Net Claim 3,210.67

WPS CAT

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1 000_0096

Front Risk

2 000_0097

Front Risk

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3 000_0098

about 20 filed tiles across whole roof area are wind damaged.

4 000_0099

Tree at front right fell and hit edge of roof- tiles cracked

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5 000_0100

Rear risk

6 000_0105

Rear patio gutter missing due to hurricame winds

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7 100_0002

Roof risk- wind damaged ridge tiles and 21 field tiles cracked

8 100_0003

Roof risk

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9 100_0004

Rear Roof Risk- 21 filed tiles across whole roof area are wind damaged.

10 100_0005

storm damaged clay tiles and temporary repairs

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11 100_0006 01/14/2006

Ridge tiles and outer left row of roof tiles wind damaged. An additional amount of21 filed tiles across whole roof area are wind damaged.

12 100_0007 01/14/2006

Outer left row of clay tiles and some ridge tiles wind damaged,

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13 100_0008 01/14/2006

Minor storm related shingle damage to shed roof (rear left corner)

14 100_0022 01/14/2006

Minor water damage to shed interior. Isured cut hole to see if insulation was wet.

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15 100_0009 01/14/2006

Door was torn from jamb due to wind force.

16 100_0010 01/14/2006

Bedroom: damage to baseboards not storm related

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17 100_0011 01/14/2006

Light water damage to living room ceiling. The ceiling is sagging in 2 small spots.

18 100_0012 01/14/2006

light water damage to living room ceiling.

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19 100_0013 01/14/2006

Meter box was storm damaged due to water intrusion trough patio flat roof.Insured had it replaced.

20 100_0014 01/14/2006

Patio> Leakage through flat roof caused water intrusion to meter box

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21 100_0015 01/14/2006

Patio ceiling: Wood warped due to flat roof leaking

22 PATIO 01/14/2006

2 ceiling fans were torn off due to hurricane force and have been replaced by theinsured

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23 100_0017 01/14/2006

electric meter mast through tile roof- leaking

24 100_0019 01/14/2006

Electric meter mast through flat roof- leaking. Insured made repairs to flat roof inorder to mitigate further leakage onto patio wood ceiling.

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25 100_0018 01/14/2006

Electric meter mast through tile roof- leaking

26 100_0021 01/14/2006

Rear fence overview and gutter debris. Fence is leaning at far right corner andstarting at that corner fencing was completely wind damaged.

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27 000_0101 01/14/2006

Fence wind damage starting at rear right corner - whole right section of fence wasdestroyed by hurricane force

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28 000_0103 01/14/2006

The whole right section of fence was destroyed due to hurricane force and hasbeen removed. Picture shows remaining fence debris. Neighbor confirmed thatfence was intact prior to HC Wilma.

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29 000_0102 01/14/2006

Remaining fence debris. Met neighbor at time of inspection, who confirmed thatright section of fence was intact prior to HC Wilma.

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30 103_2998 01/14/2006

INSURED PHOTO- rear bedroom floor damaged due to surface water- NOTCOVERED PER POLICY

31 103_2769 01/14/2006

INSURED PHOTO- wind damaged roof tiles

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32 103_2761 01/14/2006

INSURED PHOTO- wind damaged light post

33 103_2782 01/14/2006

INSURED PHOTO- patio fan torn off due to wind force

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34 103_2783 01/14/2006

INSURED PHOTO- patio fan torn off due to wind force

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35 113_1323 01/14/2006

INSURED PHOTO- palm tree at front right fell onto fence and roof and damagedseveral tiles, Front section of fence is loose and leaning after storm. At time ofinspection the fence had been removed.

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