Category: Uncategorized

Email From Contractor:nHey hope all is well,nI am emailing to see if I can get the current status or an update of the supplement request estimate that was submitted by email. Please email me with a status ornsend the revised estimate for reviewing. You may contact 832‐847‐6158 with any questions you have regarding the supplement request. Or if you need anynadditional photos please let me know as well. I am here to help in any way I can.

Email from Borrower – Repair Check -02/27/2025nn* Check reissued – 03-14-2025

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Closing Report: 00104812783 – Corrected

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Date of loss verification: NI Stated on 02-11-2025 – Water Damage: Ni said Dwelling was sold to other gentleman and Power Meter was removed by the Power Company Causing Pipes to Freeze Causing Freeze DMG.

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Prior Claim Search
ISO – No previous related claims located via ICE / ISO searches

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ICE – Coverage has been in effect since:
No Policies found

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TrackAll – 5/10/2024 to 5/10/2025

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Cause of Loss Confirmation:
IA Photo Report confirmed no Freeze Damage

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Inspection Findings / Damages / Adjustments The IA Repair Estimate Stated:
IA photo report confirmed no Freeze Damage to Dwelling Exterior or Interior, IA PR shows wear and tear to plumbing parts, IA stated no freeze damage in CPT Report.

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Coverage Analysis / Theory of Coverage: Accidental Discharge of Water is Not Excluded
Freeze is Not Excluded, Wear and Tear is Excluded; Presenting a Full Denial due to Wear and Tear seen, CWOP

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Is There Subrogation Potential Known at This Time? Investigation revealed subrogation potential as outlined in below Theory of Subrogation:
NI stated PWR Meter Removed Due to Ex Tenant and PWR Co Negligence and Caused DMG

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Subrogation Referral Sent: No

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Payments: 

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Summary for Building

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Replacement Cost Value $8,588.07
Less Depreciation (3,833.11)
Actual Cash Value $4,754.96
Less Deductible (2,500.00)
Net Claim $2,254.96
Total Depreciation 3,833.11
Less Non-Recoverable Depreciation
Total Recoverable Depreciation 3,289.24
Net Claim if Depreciation is Recovered $5,544.20

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Summary for Other Structures

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Replacement Cost Value $3,720.20
Less Depreciation (1,969.55)
Actual Cash Value $1,750.65
Net Claim $1,750.65
Total Recoverable Depreciation 1,969.55
Net Claim if Depreciation is Recovered $3,720.20

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Closing Report: 00104815814 – Large Loss

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Date of loss verification:
On February 5, 2024: A severe weather advisory was issued due to a significant winter storm that brought heavy snowfall and strong wind in 13069

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Prior Claim Search:
Iso – No Previous Related Claims Located Via Ice / Iso Searches

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-Ice – Coverage Has Been In Effect Since:

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*2mr073727403 01-19-2024 01-19-2025
*2mr073727402 01-19-2023 01-19-2024
*2mr073727401 01-19-2022 01-19-2023

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-Trackall – 1/19/2021 To 1/19/2025

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Cause of Loss Confirmation:
IA Photos Confirm Weight of Ice a Snow

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Inspection Findings / Damages / Adjustments:
IA Photos Confirm Weight of Ice a Snow Damages to Metal Roofing

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Coverage Analysis / Theory of Coverage:
Weight of Ice a Snow is Not Excluded; Allowing for Repairs as Stated in The Repair Estimate

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Is There Subrogation Potential Known at This Time? Natural Occurrence: There is no subrogation potential as loss is the result of a Natural Occurrence

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Subrogation Referral Sent: No

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Payment(s): 
Summary for Building

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Replacement Cost Value $41,865.55
Less Depreciation (8,197.47)
Actual Cash Value $33,668.08
Less Deductible (2,500.00)
Net Claim $31,168.08
Total Recoverable Depreciation 8,197.47
Net Claim if Depreciation is Recovered $39,365.55

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Test update

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Closing Report: 00104812783 – Corrected

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Date of loss verification: NI Stated on 02-11-2025 – Water Damage: Ni said Dwelling was sold to other gentleman and Power Meter was removed by the Power Company Causing Pipes to Freeze Causing Freeze DMG.

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Prior Claim Search
ISO – No previous related claims located via ICE / ISO searches

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ICE – Coverage has been in effect since:
No Policies found

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TrackAll – 5/10/2024 to 5/10/2025

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Cause of Loss Confirmation:
IA Photo Report No ADPL

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Inspection Findings / Damages / Adjustments The IA Repair Estimate Stated:
IA Photo Report No ADPL To Dwelling Exterior or Interior, IA PR Shows Worn Plumbing Parts, No Receipts for New Plumbing Parts, No Report To Support Loss Description, No Accidental Discharge of Water Damage Seen, No Freeze Damage Seen, No damage Stated in CPT Report

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Coverage Analysis / Theory of Coverage: Accidental Discharge of Water is Not Excluded
– Accidental Discharge WTR is Not Excluded – No DMG – CWOP

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Is There Subrogation Potential Known at This Time? Investigation revealed subrogation potential as outlined in below Theory of Subrogation:
NI stated PWR Meter Removed Due to Ex Tenant and PWR Co Negligence and Caused DMG

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Subrogation Referral Sent: No

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Payments: 

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Summary for Building

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Replacement Cost Value $8,588.07
Less Depreciation (3,833.11)
Actual Cash Value $4,754.96
Less Deductible (2,500.00)
Net Claim $2,254.96
Total Depreciation 3,833.11
Less Non-Recoverable Depreciation
Total Recoverable Depreciation 3,289.24
Net Claim if Depreciation is Recovered $5,544.20

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Summary for Other Structures

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Replacement Cost Value $3,720.20
Less Depreciation (1,969.55)
Actual Cash Value $1,750.65
Net Claim $1,750.65
Total Recoverable Depreciation 1,969.55
Net Claim if Depreciation is Recovered $3,720.20

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Settlement Review / Communication: Claim Review Needed

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Action Plan / Additional Comments / Notes: No DMG Letter

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Voicemail Returned

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Caller Name: KRISTOPHER KAIKKONEN

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Caller Phone: (218) 831-8564

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Caller Role: Borrower

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Summary of Voicemail Returned
ISA OBC Borrower to return call, ISA LVM

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00104812783

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Voicemail Received

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Caller Name: KRISTOPHER KAIKKONEN

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Caller Phone: (218) 831-8564

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Caller Role: Borrower

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Summary of Voicemail Received
Borrower Inq a claim status

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—————–
Status Update

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Pending:

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-Initial Contact Letter
-VM Notes
-Letters – No DMG

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-Appr Xact
-Closing Report Approv
-Settle Contact
-Explanation of Benefits
-Close Claim

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Inside Staff Adjuster will follow up on 04/01/2025.

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00104812783

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SETTLEMENT CONTACT
ISA OBC KRISTOPHER KAIKKONEN @ (949) 436-3757 to Settle: No Damage Found, ISA LVM Stating: Claim Summary, Claims Process, and myclaiminfo@assurant.com when necessary.

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ISA OBC KRISTOPHER KAIKKONEN @ (949) 436-3757 to Settle: No Damage Found, ISA Stated Claim Summary, Claims Process, and myclaiminfo@assurant.com when necessary, NI Understood.

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CLAIM CLOSED

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Summary of Loss: No Damage Found

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Payment Instructions: N/A

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Client: Mortgagee 1

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Contact Date: 3/1/2025 Inspection Date: 3/14/2025 Vender Close Date: 3/14/2025 Manager Approved Date: 3/14/2025 

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Payments Made: CWOP

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EOB Sent: No

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The claim has been thoroughly reviewed and is now considered CLOSED as of this date. All necessary actions have been completed, and no further follow-up is required at this time. Should new information or circumstances arise, this claim may be REOPEN for additional evaluation.

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———————————————-

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00104812783

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STATUS UPDATE
Pends:

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-Letters – No DMG
-Closing Report Request
-Settle Call
-Close Claim

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ISA FU Set: 3/31/2025
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00104812783

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STATUS UPDATE – CLOSED

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