Funyon

CSAA Insurance Exchange
PO Box 24523
Oakland, CA 94623-1523
YOUR CLAIM INFORMATION

MANUEL ROMERO Claim number 1005-01-5531
9113 12TH AVE
HANFORD, CA 93230-2409 Policy number CAH3212935518
Policyholder MANUEL ROMERO
Date of incident January 23, 2023
Jonathan Navarro
559.753.0400
Regular Claims Center hours are
Monday - Friday 8:00 AM - 7:00 PM,
March 23, 2023 Pacific Time
Dear MANUEL ROMERO:
This letter confirms our discussion on March 23, 2023.
Your offer of payment is $27,173.26. This amount is enclosed. This represents the actual cash value (ACV) of the physical
damage to your property at the time of the incident less any applicable deductible.
● We calculate the ACV of the damaged portion of your property by taking the current cost of repairing or replacing it,
known as its replacement cost value (RCV), then subtracting its depreciation.
● Depreciation is the amount of value an item has lost since it was purchased, factoring in its normal life expectancy,
age, and condition at the time of the incident.
Please review all of the documents and take note of any additional information we may need from you. You can contact
us at the phone number listed under Your Claim Information box to discuss your offer of payment.
We value you as our customer and appreciate the opportunity to assist you.
Sincerely,
Jonathan Navarro
Jonathan Navarro
Claims Representative
Please turn over

Page 1 of 6
What you need to do
Review estimate(s) (enclosed)
Please turn the page and on the back you’ll find the section listing “What’s inside.”
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PO Box 24523
What's inside
About your offer of payment Replacement cost coverage
Providing estimate if using a contractor Applying replacement cost coverage to

depreciated items
If additional damage discovered after estimate How to submit documents

completed
Understanding depreciation Estimate(s)
Review the depreciation condition ratings carefully
About your offer of payment
There are item(s) to understand about your offer of payment:

● A copy of the estimate(s) is enclosed for your review.
Your offer of payment
This offer represents what AAA accepts as the undisputed amount owed to you. Depositing the check or receiving an
electronic funds transfer for the offer of payment amount means you accept the offer of payment for your claim, but does
not constitute a release of the entire claim. Accepting this payment from AAA does not prevent you from pursuing any
additional amount you believe you are entitled to. We have issued the payment to minimize any financial inconvenience
to you.
There is a $1,000.00 difference between the replacement cost for this incident outlined on the attached estimate related
to your dwelling and/or other structure and the offer of payment. This could be due to your deductible or, if applicable,
depreciation you will not be able to get back. If you chose to complete all of the work outlined in the attached estimate,
you will need to arrange with your contractor payment for the difference between the offer of payment and the total cost
of the estimate.
Providing estimate if using a contractor
The enclosed estimate related to your dwelling and/or other structure outlines the repairs that are approved for
this claim. If you are using a contractor to complete repairs, please provide them with a copy of this estimate. If your
contractor has questions regarding this estimate, have them contact us at the phone number listed under Your Claim
Information box.
Please turn over

Page 3 of 6
If additional damage discovered after estimate completed
If additional damage is discovered after the enclosed estimate related to your dwelling and/or other structure was
completed, please contact us at the phone number listed under Your Claim Information box before repairs start.
Understanding depreciation
The attached estimate(s) provides you with a detailed breakdown of any depreciation that was applied to the item(s) in
your claim. This is done by first giving each item a condition rating. The condition rating is determined by the amount of
wear and use an item has sustained and age of the item at the time of the incident. There are five condition ratings—
new, above average, average, below average, and replace.
1. New - indicates that the item was recently purchased or installed. Examples: new kitchen cabinets installed within a
month or a DVD player still in its package or recently installed may be considered in new condition.
2. Above average - indicates that the item is in better-than-normal condition. Either it wasn’t used that often or didn’t
wear as much as it would with normal use. Examples: a carpet or dresser in a rarely used room may be considered in
above average condition.
3. Average - indicates that the item is being used as designed and that it should last as long as an item of its type usually
lasts. Examples: a roof halfway through its life expectancy that has not been exposed to damage or unnatural wear or
a toaster that is used on a normal basis may be considered in average condition.
4. Below average - indicates that the item is wearing out faster than similar items subjected to normal use. Examples:
a carpet showing accelerated wear from constant foot traffic, pets, or staining or a belt used every day that has
significant wear compared to its age may be considered in below average condition.
5. Replace - indicates that we recognize the item has already been replaced and that there won’t be any depreciation
applied to it. Examples: a broken exterior door that was replaced to secure the home that is related to the incident,
but prior to the offer of payment or an existing television that was destroyed and you replaced it with the current
model.
If an item is indicated as having a condition rating that is lower than average, an explanation for the rating is included for
that line item in the estimate(s).
Review the depreciation condition ratings carefully
Please review the estimate(s) carefully to ensure that the age and condition ratings are appropriate. If you believe that
the condition of any of the included items is better or worse than what is indicated on the estimate(s), please send us
that information for consideration. For delivery options, please refer to the “How to submit documents” section.
Replacement cost coverage
Your policy includes replacement cost coverage. This means you can submit a request for the amount of depreciation
taken after the repairs have been completed, if you incur repair costs exceeding $28,173.26. You have a maximum recovery
of $1,197.29.
Based on your policy, you can submit a request for the amount of depreciation if all of the below apply:
● The amount you spend on repairs must be necessary and comparable to the damaged items.
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PO Box 24523
● You must complete the actual repair or replacement of the damaged property within 12 months from the date that
we make our first offer of payment to you toward the actual cash value of your claim.
● You must submit a request in writing to get back the depreciation within 30 days after the work has been completed.
Please include items such as paid Invoice, cancelled check, or receipt. For delivery options, please refer to the “How
to submit documents” section.
● Prior to the 12 month deadline, and upon your verbal or written request, we may grant you extensions of up to 6
months to repair or replace any item if you show good cause why additional time is needed.
Applying replacement cost coverage to depreciated items
To get back the depreciation amount for any items in your claim, you need to provide us with documents showing that
repairs were completed and repair costs were incurred, including:
1 . Your contractor’s final invoice

2 . A certificate of completion from the contractor
3 . Proof of payment
For delivery options, please refer to the “How to submit documents” section.
How to submit documents
Please send all documents as described below, including your claim number on each document to expedite the
processing of your claim.
● Email: claimdocs@csaa.com
Include claim number 1005-01-5531 in the subject line in the exact format to ensure delivery.
● Fax: 877.548.1610
Provide a cover sheet and include claim number 1005-01-5531.
● Mail: CSAA Insurance Exchange

PO Box 24523 Oakland, CA 94623-1523
Include claim number 1005-01-5531.
AAA only keeps digital copies of submitted documents, therefore, please do not send us original documents, as we cannot
keep or return them.
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Common units of measure
EA - Each CY - Cubic yard
LF - L inear foot SQ - Square
SF - Square foot HR - Hour
SY - Square yard DA - Day
CF - Cubic foot RM - Room
Understanding
Olii iam sperbis.your
M. Ferentre,
property etemus,
estimate
Your estimate cover sheet A A
Claims representative: John Smith Business phone: (602) 555-1234
The cover sheet of your estimate includes the
123 Road Avenue Email: jsmith@email.com
following important information: Walnut Creek, CA 94596
A Your Claims Representative’s name and

contact information. B B B
B Your claim number, policy number and incident type. Claim number: CL54321 Policy number: PN78942A Type of loss: Water
Your estimate details Living room LxWxH: 18' x 14' x 8'

C
This is where the details about your lost or damaged 512.00 SF walls 252.00 SF ceiling
764.00 SF walls & ceiling 252.00 SF floor
property will be listed. The example to the right is only a
28.00 SY flooring 64.00 LF floor perimeter
partial representation of an estimate.
144.00 SF long wall 112.00 SF short wall
64.00 LF ceiling perimeter
C Description: details describing items being estimated.
D Quantity: the number of units (e.g. square feet) for D E F G H
an item. Description Quantity Unit cost Tax RCV Depreciation ACV
E Unit cost: the cost of a single unit. Dwelling
E
1. 1/2" drywall - hung, taped, 32.00 SF $1.55 $0.75 $50.35 ($1.67) $48.68
L
F Replacement cost value (RCV): current cost floated, ready for paint
MP
2. Paint the walls - two coats 512.00 SF $0.63 $5.22 $327.78 ($43.71) $284.07
of repairing or replacing the damaged portion of
3. R&R carpet 252.00 SF $3.01 $33.57 $792.09 <$148.33> $643.06
your property.
SA
Contents
G Depreciation: the amount of value an item has lost 4. Valuables 1.00 EA $200.00 0.00 $200.00 ($0.00) $200.00
since it was purchased, factoring in its normal life 5. TV - LCD/LED 35-39 in. 512.00 SF 0.63 $5.22 $327.78 ($43.71) $284.07
expectancy, age, and condition at the time of the Dwelling totals: $39.54 $1,170.22 $193.71 $976.51
incident. Depreciation you can get back is shown as Contents totals: $30.00 $730.00 ($79.50) $650.50
($100.00). Depreciation you will not be able to get back Totals: living room $69.54 $1,900.22 $273.21 $1,627.01
is shown as <$100.00>. Labor minimums I
H Actual cash value (ACV): the estimated value of the Description Quantity Unit price Tax RCV Depreciation ACV
item or damage at the time of the incident. Dwelling
I Labor minimums: the cost of labor associated with 6. Drywall repair 1.00 EA $297.88 $0.00 $297.88 ($0.00) $297.88
drive time, setup time, and applicable administrative Dwelling totals: $0.00 $297.88 $297.88
tasks required to perform a major repair. Contents totals: $0.00 $297.88 $0.00 $297.88
Your estimate summary Sample summary for dwelling

For each type of coverage involved in your estimate,
J Line item total $1,428.56
there is a summary section to show the total estimated
costs (RCV and ACV) and the net claim amount for Material sales tax $39.54
the coverage type. The example to the right shows a
dwelling summary. K Total replacement cost value $1,468.10
J Line item total: the sum of all the line items for that Less depreciation ($193.71)
specific coverage. Includes labor minimums.
K Total replacement cost value: the total RCV of all L Total actual cash value $1,274.39
items for that coverage.
M Deductible ($500.00)
L Total actual cash value: the total ACV of all items
for that coverage. N Net claim $774.39
M Deductible: amount you pay for a covered claim
Total depreciation $193.71
before insurance coverage starts paying.
Less non-recoverable depreciation <$148.33>
N Net claim: the amount payable to you after the
depreciation and deductible have been applied. This O Total recoverable depreciation $45.38
amount can never be greater than your coverage limit.
Net claim if depreciation is recovered $819.77
O Total recoverable depreciation: the total amount of
depreciation you can potentially recover. Dollar amounts in this sample are for illustrative purposes only.
Property estimate descriptions are for informational purposes only and are subject to the terms and conditions of your policy. See your policy for details.
Insurance provided by CSAA Insurance Group, a AAA insurer. © 2021 CSAA Insurance Group IE0343 (Jul 2021)
CAS_F432 Rev 8/21
1

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
Insured: MANUEL ROMERO Cell: (559) 309-8819

Property: 9113 12th Ave Home: (559) 309-8819
Hanford, CA 93230-2409 Cell2: (559) 309-8819
Home: 9113 12th Ave
Hanford, CA 93230-2409
Claim Rep.: Jonathan Navarro Cell: (559) 753-0400

Business: (559) 753-0400
E-mail: Jonathan.Navarro@csaa.com
Claimant: MANUEL ROMERO Cell: (559) 309-8819

Home: 9113 12th Ave
Hanford, CA 93230-2409
Estimator: Jonathan Navarro Cell: (559) 753-0400

E-mail: Jonathan.Navarro@csaa.com
Claim Number: 1005-01-5531 Policy Number: CAH3212935518 Type of Loss: FIRE
Coverage Deductible Policy Limit

A-Dwelling $1,000.00 $267,700.00
B-Other Structures $0.00 $26,800.00
C-Personal Property $0.00 $200,800.00
D-Loss of Use $0.00 $107,200.00
Date Contacted: 1/23/2023 4:20 PM

Date of Loss: 1/22/2023 11:00 PM Date Received: 1/23/2023 10:04 AM
Date Inspected: 3/23/2023 11:54 AM Date Entered: 3/21/2023 11:30 AM
Price List: CAVL8X_MAR23 Depreciate Material: Yes Depreciate O&P: No

Restoration/Service/Remodel Depreciate Non-material: No Depreciate Taxes: No
Estimate: MANUEL_ROMERO Depreciate Removal: No
2

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
The enclosed estimate related to your dwelling and/or other structure outlines the repairs that are approved for this claim. If you
are using a contractor to complete repairs, please provide them with a copy of this estimate. If your contractor has questions
regarding this estimate and/or if additional damage is discovered related to your claim, have them contact us prior to starting the
repairs
The following estimate represents the fair and reasonable amount required to repair or replace the damaged items or structures
noted at the time of my inspection. Pursuant to our insurance policy, our payment to you may be based on the Actual Cash Value
(“ACV”) of the physical damage at the time the loss occurred less any applicable deductible. The method AAA Insurance uses to
determine the ACV is the cost to repair or replace the damaged property less an adjustment for physical depreciation based on
the age, life and condition of the damaged property as appropriate at the time of the loss.
If there are deductions for recoverable depreciation, your policy allows you to submit a request to recover the amount of
depreciation taken after the repairs have been completed if your repair costs exceed the ACV Amount. A letter will follow
detailing how you may pursue this recoverable depreciation.
Unless otherwise specified, this estimate is not a contract to complete the repairs, nor is it a guarantee of payment in any amount.
The final decision regarding payments made, if any, will be determined by the adjuster assigned to your claim.
Please present this estimate to a contractor before you authorize the start of repairs. All supplements must receive prior approval
by us under your AAA Insurance to ensure payment approval for any cost increases. If your contractor has questions regarding
this estimate, please have them contact me at the number listed above.
INSPECTION AND CAUSE OF LOSS:
I completed a virtual inspection on 3/21/2023 of the loss located at 9113 12th Ave Hanford, CA 93230-2409.Via: member
photos & GC’s estimate
Based on information gathered during the virtual inspection, it appears the cause of loss is due to: electrical fire. Fire originated
in bedroom one. Affected wood flooring continuous into bedroom 2, bedroom 3, hallway & living room.
The ensuing damage is to the: Affected drywall on ceiling & walls in bedroom 1. Affected flooring in bedroom one bedroom 2,
bedroom 3, hallway & living room. Soot affected hallway, bedroom2, bedroom 3, hallway, living room & entry way.
Duration of leak/loss appears to be less weeks.
MANUEL_ROMERO 3/23/2023 Page: 2

3

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
MANUEL_ROMERO
Main Level
Main Level
CAT SEL ACT DESCRIPTION

CALC QTY REMOVE REPLACE TAX O&P TOTAL
1. DMO DUMP - Dumpster load - Approx. 20 yards, 4 tons of debris
1 1.00 EA 490.00+ 0.00 = 0.00 98.00 588.00
construction debris
2. FEE ENG + Engineering fees (Bid Item)
1 1.00 EA AS INCURRED
3. FEE TIPF + Taxes, insurance, permits & fees (Bid Item)
1 1.00 EA AS INCURRED
4. INS BIM - Remove Blown-in insulation - Machine removal
C 1030.81 SF 1.64+ 0.00 = 9.72 340.04 2,040.29
5. INS BI14 + Blown-in insulation - 14" depth - R38
C 1030.81 SF 0.00+ 1.63 = 93.42 354.72 2,128.36
Total: Main Level 103.14 792.76 4,756.65
3' 7" 4' 5" 1' 10"

3' 3"
Bedroom 1 Height: 8'
4' 3"
3" 4' 2"

5" 4' 4"
Bedroom 2 Bathroom
276.70 SF Walls 117.94 SF Ceiling
394.63 SF Walls & Ceiling 117.94 SF Floor
5' 11"
Bedroom 1 Bed 1 CL (1) Bedroom 2

4'
Hallway CL (1) 13.10 SY Flooring 37.50 LF Floor Perimeter

11"
2' 6" 9"
44.00 LF Ceil. Perimeter

3' 4"
3'
9' 3"
3' 1" 6' 4" Bedroom 3 CL (1)
Bed 2 CL (1)
Door Hall Bathroom Hallway 2' 6" X 6' 8" Opens into HALLWAY
Window 4' 4 13/16" X 1' 10 13/16" Opens into Exterior
Bedroom 3
Window 5' 10 13/16" X 4' Opens into Exterior
Entry
Bedroom 2 Bathroom
2' 4" Subroom: Bed 1 CL (1) Height: 8'

5"
3"
2' 6"
2'
4' 6"
Bedroom 1 86.33
Bedroom 2 SF Walls & Ceiling 9.00 SF Floor
4'
Bed 1 CL (1)
Living room 1.00 SY Flooring 9.00 LF Floor Perimeter
2'
Hallway CL (1)
3"
5"
Kitchen
2' 2"
Door 4' X 6' 8" Opens into BEDROOM_2
Bedroom 3 CL (1) Bed 2 CL (1)
Hall Bathroom Hallway

4

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610

6. INS BTF4 + Batt insulation - 4" - R11 - paper / foil faced
(9.3+12.9)*8 177.60 SF 0.00+ 0.84 = 7.34 31.30 187.82
7. PNT ATTIC + Seal attic framing for odor control - up to 5/12
F 126.94 SF 0.00+ 1.14 = 2.02 29.34 176.07
8. ELE REWIRE + Rewire\wire - avg. residence - boxes & wiring
F 126.94 SF 0.00+ 3.94 = 5.71 101.16 607.01
9. WDR GLAZ>> + Reglaze window, 25 - 30 sf
1 1.00 EA 0.00+ 281.52 = 10.22 58.34 350.08
10. WDR GLAZ + Reglaze window, 10 - 16 sf
1 1.00 EA 0.00+ 150.08 = 5.45 31.12 186.65
11. DRY 1/2 + 1/2" drywall - hung, taped, floated, ready for paint
WC 480.97 SF 0.00+ 3.15 = 21.62 307.34 1,844.02
12. PNT S + Seal the walls and ceiling w/latex based stain blocker - one coat
WC 480.97 SF 0.00+ 0.61 = 3.14 59.30 355.83
13. PNT P2+ + Paint the walls and ceiling - two coats - 2 colors
WC 480.97 SF 0.00+ 1.26 = 10.46 123.30 739.78
14. DOR BP + Bypass (sliding) door set - Colonist
1 1.00 EA 0.00+ 287.06 = 15.70 60.56 363.32
15. DOR BIRCH+ & R&R Interior door - birch - stain grade jamb & casing
1 1.00 EA 23.41+ 399.83 = 24.45 89.54 537.23
16. PNT DORS + Stain & finish door slab only (per side)
2 2.00 EA 0.00+ 59.06 = 1.51 23.92 143.55
17. PNT BP + Paint bypass door set - slab only - 2 coats (per side)
2 2.00 EA 0.00+ 51.94 = 2.83 21.34 128.05
18. PNT DORT + Paint door/window trim & jamb - 2 coats (per side)
2 2.00 EA 0.00+ 31.99 = 0.84 12.96 77.78
19. FNH DORH + Door knob - interior
2 2.00 EA 0.00+ 46.35 = 3.10 19.16 114.96
20. FCW AVPF + Pre-finished solid wood flooring
F 126.94 SF 0.00+ 10.14 = 54.48 268.34 1,609.99
21. FNC B + Baseboard - 2 1/4"
PF 46.50 LF 0.00+ 3.31 = 4.35 31.66 189.93
22. PNT B1SP + Seal & paint baseboard - two coats
PF 46.50 LF 0.00+ 1.49 = 0.44 13.94 83.67
23. WDT BLND>> & R&R Window blind - PVC - 2" - 20.1 to 32 SF
1 1.00 EA 12.57+ 168.15 = 7.04 37.56 225.32
24. FNC CLOS + Closet shelf and rod package
4.6 4.60 LF 0.00+ 23.45 = 1.94 21.96 131.77
25. PNT CLOS + Seal & paint closet shelving - single shelf
1 1.00 EA 0.00+ 51.82 = 0.37 10.44 62.63
26. FNH DSTP & R&R Door stop - wall or floor mounted
1 1.00 EA 6.24+ 16.27 = 0.46 4.60 27.57
Totals: Bedroom 1 183.47 1,357.18 8,143.03

5

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
Bedroom 2 Bathroom
Bedroom Bed
1 1 CL (1) Bedroom 2
Hallway CL (1)
2' 2' 2" Hallway Height: 8'
9"
2' 2"
2' 2' 6"

2' 11"
3' 3"
Bedroom 3 CL
Bed(1)2 CL (1)
2' 6"
Hall BathroomHallway
5.82 SY Flooring 22.64 LF Floor Perimeter
2' 6"
Bedroom 3
6' 4"
6' 8"

3' 8"
Entry
Door 2' 6" X 6' 8" Opens into HALL_BATHROO

Missing Wall 3' 8 5/16" X 8' Opens into ENTRY
Missing Wall Living room 3' X 8' Opens into LIVING_ROOM
Bedroom 2 Bathroom
Door Kitchen
2' 6" X 6' 8" Opens into BEDROOM_4
Door 2' 6" X 6' 8" Opens into BEDROOM_3
2' 6" Subroom:Bedroom

Hallway2 CL (1) Height: 8'
Bed 1 CL (1)
2' 2"
2' 4"
2'
Hallway CL (1) 62.56 SF Walls & Ceiling 5.00 SF Floor

2" 2' 2" 2"
4" 9.00 LF Ceil. Perimeter
Door 2' 2" X 6' 8" Opens into HALLWAY

27. FCW AVPF & R&R Pre-finished solid wood flooring
F 57.34 SF 2.92+ 10.14 = 24.61 154.68 928.15
PF 29.48 LF 0.00+ 3.31 = 2.76 20.08 120.42
oom 29. PNT B1SP
Hallway + Seal & paint baseboard - two coats
PF 29.48 LF 0.00+ 1.49 = 0.28 8.84 53.05
30. DOR DOR-RS + Interior door - Detach & reset - slab only
1 1.00 EA 0.00+ 23.49 = 0.00 4.70 28.19
31. PNT P2+ + Paint the walls
Bedroom 3 and ceiling - two coats - 2 colors
WC 312.25 SF 0.00+ 1.26 = 6.79 80.04 480.27
Totals: Hallway 34.44 268.34 1,610.08

Entry

6

PO Box 24523
Phone: (888) 335-2722
Hall Bathroom Fax: (877) Hallway
548-1610
Bedroom 3
4' 9" Entry Height: 8'
7"
4' 11" 90.19 SF Walls 17.53 SF Ceiling

2' 6"
3' 8"
Entry
7"
4' 9" 13.36 LF Ceil. Perimeter

4' 11"
Door 2' 6" X 6' 8" Opens into Exterior

Missing Wall 3' 8 5/16" X 8' Opens into HALLWAY

WC 107.73 SF 0.00+ 1.26 = 2.34 27.60 165.68
Totals: Entry 2.34 27.60 165.68

Living room
11' 11"
11' 5"
Bedroom 2 Height: 8'
Bedroom 2 Bathroom Kitchen
2' 4" 2' 7" 2' 6"

9" 2' 2' 5"
13' 3"
12' 9"
Bedroom 1 Bed 1 CL (1) Bedroom 2 482.23 SF Walls & Ceiling 145.56 SF Floor
Hallway CL (1)
2' 6"
5' 9" 2' 6"

4"
5' 7"
Bedroom Bedroom
2 1'(1)8"2 CL (1)
3 CL Bed
Hall Bathroom Hallway

Door Bedroom 3 2' 6" X 6' 8" Opens into BEDROOM_2_B2
Entry
Subroom: Bed 2 CL (1) Height: 8'

1' 10" 2' 6" 1' 4" 103.33 SF Walls 11.00 SF Ceiling
2' 4"
1' 8"
2'
om 3 CL (1) Bed 2 CL (1) 1.22 SY Flooring 12.50 LF Floor Perimeter

Living room
5' 6"
Kitchen 5' 8"

Bedroom 3
F 156.56 SF 2.92+ 10.14 = 67.20 422.38 2,534.26

7

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
CONTINUED - Bedroom 2


PF 53.33 LF 0.00+ 3.31 = 4.99 36.30 217.81
35. DOR BPRS + Bypass (sliding) door set - slabs only - Detach & reset
1 1.00 EA 0.00+ 33.16 = 0.00 6.64 39.80
PF 53.33 LF 0.00+ 1.49 = 0.50 16.00 95.96
2 2.00 EA 0.00+ 23.49 = 0.00 9.40 56.38
WC 596.56 SF 0.00+ 1.26 = 12.98 152.94 917.59
Bedroom 2 Bathroom
Totals: Bedroom 2 85.67 643.66 3,861.80

m1 Bed 1 CL (1) Bedroom 2
Hallway CL (1)
edroom 2 Bathroom Bedroom 3 CL (1)Bed 2 CL (1)

1' 3" 2' 6" 1' 10" 5' 6" Bedroom 3 Height: 8'
11"
2' 6" 9"
2' 5' 8"

all Bathroom Hallway 302.67 SF Walls 109.41 SF Ceiling
9' 11"
9' 7"
Bedroom 3
6' 4"
6' 8"
Bedroom 2
Entry
1 CL (1) 42.00 LF Ceil. Perimeter
11' 5"
Hallway CL (1) 11' 9"
Subroom: Bedroom 3 CL (1) Height: 8'

5' 9"
Living room 104.67 SF Walls 11.17 SF Ceiling
2' 4"
5' 7"
2'

1' 3" 2' 6" 1' 10"
Kitchen 1.24 SY Flooring 12.67 LF Floor Perimeter
2'
Hallway

Bedroom 3
F 120.58 SF 2.92+ 10.14 = 51.75 325.32 1,951.84

8

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
CONTINUED - Bedroom 3


PF 49.67 LF 0.00+ 3.31 = 4.65 33.82 202.88
PF 49.67 LF 0.00+ 1.49 = 0.47 14.90 89.38
42. DOR BPRS + Bypass (sliding) door set - slabs only - Detach & reset
1 1.00 EA 0.00+ 33.16 = 0.00 6.64 39.80
1 1.00 EA 0.00+ 23.49 = 0.00 4.70 28.19
Bedroom 2 Bathroom WC 527.91 SF 0.00+ 1.26 = 11.48 135.34 811.99
Bedroom 1 1 CL (1) Bedroom 2
Bed
Hallway CL (1)
Totals: Bedroom 3 68.35 520.72 3,124.08
Bedroom 3 Bed
CL (1)
2 CL (1)
Hall Bathroom
Hallway
Bedroom 3
Entry
3' 7" 4' 9" 3' 11' 5"
8' 4" 11' 9"
Living room Height: 8'
10' 3"
9' 9"
13' 2"

13'
2' 8" 6' 2" 969.48 SF Walls & Ceiling 356.81 SF Floor
5' 10" Living room
10' 6"
10' 2"
1' 9" 5' 10"
Kitchen
1' 5"
12' 6"
13'
Missing Wall - Goes to Floor 2' 8" X 6' 8" Opens into KITCHEN
Door 5' 10" X 6' 8" Opens into Exterior
Missing Wall 3' X 8' Opens into HALLWAY

F 356.81 SF 2.92+ 10.14 = 153.14 962.62 5,775.70
PF 75.17 LF 0.00+ 3.31 = 7.03 51.16 307.00
PF 75.17 LF 0.00+ 1.49 = 0.71 22.54 135.25
WC 969.48 SF 0.00+ 1.26 = 21.09 248.52 1,491.15
Totals: Living room 181.97 1,284.84 7,709.10

9

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
Total: Main Level 659.38 4,895.10 29,370.42
Line Item Totals: MANUEL_ROMERO 659.38 4,895.10 29,370.42
Additional Charges Charge

California Lumber Assessment Fee 0.11
Additional Charges Total $0.11
Grand Total Areas:

2,875.64 SF Walls 1,030.81 SF Ceiling 3,906.45 SF Walls and Ceiling
1,030.81 SF Floor 114.53 SY Flooring 353.28 LF Floor Perimeter
0.00 SF Long Wall 0.00 SF Short Wall 414.28 LF Ceil. Perimeter
1,030.81 Floor Area 1,126.58 Total Area 2,875.64 Interior Wall Area
1,292.47 Exterior Wall Area 153.33 Exterior Perimeter of
Walls
0.00 Surface Area 0.00 Number of Squares 0.00 Total Perimeter Length
0.00 Total Ridge Length 0.00 Total Hip Length

10

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
Summary for A-Dwelling

Line Item Total 23,815.94
California Lumber Assessment Fee 0.11
Material Sales Tax 659.38
Subtotal 24,475.43
Overhead 2,447.56
Profit 2,447.56
Replacement Cost Value $29,370.55

Less Depreciation (1,197.29)
Actual Cash Value $28,173.26

Less Deductible (1,000.00)
Net Claim $27,173.26
Total Recoverable Depreciation 1,197.29
Net Claim if Depreciation is Recovered $28,370.55
Jonathan Navarro

11

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
Recap of Taxes, Overhead and Profit
Overhead (10%) Profit (10%) Material Sales Tax Storage Rental Tax
(7.25%) (7.25%)
Line Items 2,447.55 2,447.55 659.38 0.00

Additional Charges 0.01 0.01 0.00 0.00
Total 2,447.56 2,447.56 659.38 0.00

12

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
Recap by Room
Estimate: MANUEL_ROMERO
Area: Main Level 3,860.75 16.21%

Bedroom 1 6,602.38 27.72%
Hallway 1,307.30 5.49%
Entry 135.74 0.57%
Bedroom 2 3,132.47 13.15%
Bedroom 3 2,535.01 10.64%
Living room 6,242.29 26.21%
Area Subtotal: Main Level 23,815.94 100.00%
Subtotal of Areas 23,815.94 100.00%
Total 23,815.94 100.00%

13

PO Box 24523
Phone: (888) 335-2722
Fax: (877) 548-1610
Recap by Category with Depreciation
O&P Items RCV Deprec. ACV

GENERAL DEMOLITION 4,241.32 4,241.32
DOORS 847.17 847.17
DRYWALL 1,515.06 1,515.06
ELECTRICAL 500.14 500.14
FLOOR COVERING - WOOD 8,296.85 322.93 7,973.92
FINISH CARPENTRY / TRIMWORK 949.11 1.79 947.32
FINISH HARDWARE 108.97 108.97
INSULATION 1,829.40 1,829.40
PAINTING 4,928.17 674.83 4,253.34
WINDOW REGLAZING & REPAIR 431.60 120.05 311.55
WINDOW TREATMENT 168.15 77.69 90.46
O&P Items Subtotal 23,815.94 1,197.29 22,618.65
Permits and Fees 0.11 0.11
Material Sales Tax 659.38 659.38
Overhead 2,447.56 2,447.56
Profit 2,447.56 2,447.56
Total 29,370.55 1,197.29 28,173.26

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CSAA Insurance Exchange

YOUR CLAIM INFORMATION

Dear MANUEL ROMERO:

This letter confirms our discussion on March 23, 2023.

Please turn over

Review estimate(s) (enclosed)

Providing estimate if using a contractor Applying replacement cost coverage to

If additional damage discovered after estimate How to submit documents

Understanding depreciation Estimate(s)

Review the depreciation condition ratings carefully

About your offer of payment

There are item(s) to understand about your offer of payment:

Your offer of payment

Providing estimate if using a contractor

Please turn over

Review the depreciation condition ratings carefully

Replacement cost coverage

Applying replacement cost coverage to depreciated items

1 . Your contractor’s final invoice

How to submit documents

● Mail: CSAA Insurance Exchange

A Your Claims Representative’s name and

Your estimate details Living room LxWxH: 18' x 14' x 8'

E Unit cost: the cost of a single unit. Dwelling

Your estimate summary Sample summary for dwelling

CSAA Insurance Exchange

Insured: MANUEL ROMERO Cell: (559) 309-8819

Claim Rep.: Jonathan Navarro Cell: (559) 753-0400

Claimant: MANUEL ROMERO Cell: (559) 309-8819

Estimator: Jonathan Navarro Cell: (559) 753-0400

Claim Number: 1005-01-5531 Policy Number: CAH3212935518 Type of Loss: FIRE

Coverage Deductible Policy Limit

Date Contacted: 1/23/2023 4:20 PM

Price List: CAVL8X_MAR23 Depreciate Material: Yes Depreciate O&P: No

CSAA Insurance Exchange

INSPECTION AND CAUSE OF LOSS:

Duration of leak/loss appears to be less weeks.

MANUEL_ROMERO 3/23/2023 Page: 2

CSAA Insurance Exchange

CAT SEL ACT DESCRIPTION

Total: Main Level 103.14 792.76 4,756.65

3' 7" 4' 5" 1' 10"

3" 4' 2"

Bedroom 1 Bed 1 CL (1) Bedroom 2

Hallway CL (1) 13.10 SY Flooring 37.50 LF Floor Perimeter

44.00 LF Ceil. Perimeter

2' 4" Subroom: Bed 1 CL (1) Height: 8'

Bedroom 3 CL (1) Bed 2 CL (1)

MANUEL_ROMERO 3/23/2023 Page: 3

Hall Bathroom Hallway

CSAA Insurance Exchange

CAT SEL ACT DESCRIPTION

Totals: Bedroom 1 183.47 1,357.18 8,143.03

MANUEL_ROMERO 3/23/2023 Page: 4

CSAA Insurance Exchange

197.36 SF Walls 52.34 SF Ceiling

34.81 LF Ceil. Perimeter

Door 2' 6" X 6' 8" Opens into HALL_BATHROO

2' 6" Subroom:Bedroom

Hallway CL (1) 62.56 SF Walls & Ceiling 5.00 SF Floor

Door 2' 2" X 6' 8" Opens into HALLWAY

CAT SEL ACT DESCRIPTION

Totals: Hallway 34.44 268.34 1,610.08