BAHAMAS FIRST GENERAL INSURANCE CO. LTD.

OCTOBER 3, 2019
Bahamas First Centre
32 Collins Avenue OUR REF. : P0279
New Providence, The Bahamas YOUR REF. : Please advise

ATTENTION: V. Keith Rolle, AIIC, CIP INITIAL ADVICE

POLICY TYPE : COMPREHENSIVE INSURANCE

(including Catastrophe Perils)

POLICY NO. : FIA FHP 0040417 05

POLICY PERIOD : FROM: December, 2018

TO: December, 2019

PRODUCING AGENT / BROKER : FREEPORT INSURANCE AGENTS &

BROKERS LIMITED
25B West Mall Drive
Freeport, Grand Bahama
The Bahamas

NAME & ADDRESS OF INSURED : Dr John Van Stone

3300 Lemone Drive, Columbia, Missouri,
65201, USA

VAT STATUS : UNREGISTERED

LOCATION OF LOSS : 42 Isles Old Bay, West End, Grand Bahama,

BH 99999, The Bahamas

GPS COORDINATES : NORTH 26.7004

: WEST -78.9928

DESCRIPTION OF PROPERTY : Detached two story property with metal roof

and concrete block build with concrete base. In
pristine condition.

DAY, DATE & TIME OF LOSS : Monday, September 02, 2019

 Page 2 of 4

CAUSE OF LOSS : Hurricane Dorian – CAT 5

NATURE AND EXTENT OF LOSS : Hurricane has disturbed several areas of the
metal roof and damaged the wooden eves
surrounding the property in many areas. Pillars
have been also damaged and appear badly
cracked. There appears to be relatively minor
damage to a kitchen diner, three bedrooms and
a bathroom which will require sheetrock
removal and replacement. There is little
damage elsewhere within the dwelling.

RESERVE : BSD 89,000.00 (Net of deductible)

ITE DESCRIPTION SUM RESERVE

M INSURED (BSD)
(BSD)
1 Buildings 550,000.00 100,000.00
2 Contents 75,000.00 0.00
GROSS RESERVE 100,000.00
Less Deductible: 2% (11,000.00)
NET RESERVE 89,000.00

MORTGAGEE : NOT APPLICABLE

ADEQUACY OF SUM INSURED : ADEQUATE

DATE OF INSTRUCTIONS : September 09, 2019

DATE OF CONTACT : September 09, 2019
DATE OF SURVEY : September 30, 2019
 Page 3 of 4

REMARKS

We will continue our examination as the claim develops.

In the meantime, please let us know Insurers’ further comment and or instruction.

Respectfully submitted,

MCG ADJUSTERS

ENCLOSURES:
1. Photo Sheet
Page 4 of 4