HomeMy WebLinkAbout130-19 RESOLUTIONF FAYETT
1 ��L
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9RK4 NSPS
113 West Mountain Street
Fayetteville, AR 72701
(479) 575-8323
Resolution: 130-19
File Number: 2019-0324
PHILLIP HOSKINS SEWER DAMAGE CLAIM:
A RESOLUTION PURSUANT TO §39.10(C)(4) OF THE FAYETTEVILLE CITY CODE TO
AUTHORIZE THE MAYOR TO PAY THE AMOUNT OF $6,113.11 TO PHILLIP HOSKINS FOR A
SEWER DAMAGE CLAIM ARISING AT 983 NORTH LEWIS AVENUE IN ADDITION TO
PREVIOUS PAYMENTS OF $3,600.58 TO SERVICEMASTER FOR SEWER DAMAGE MITIGATION
SERVICES AND $100.00 TO ACCELERATED PLUMBING FOR PLUMBING SERVICES
WHEREAS, pursuant to the §39.10(C)(4) of the City Code, the City Council must approve the
payment of sewer damage claims exceeding $8,000.00.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF
FAYETTEVILLE, ARKANSAS:
Section 1: That the City Council of the City of Fayetteville, Arkansas, pursuant to § 39.10(C)(4) of the
Fayetteville City Code, authorizes the Mayor to pay $6,113.11 to Phillip Hoskins for a sewer damage
claim arising at 983 North Lewis Avenue, in addition to a previous payment of $3,600.58 to ServiceMaster
for sewer damage mitigation services and a payment to Accelerated Plumbing in the amount of $100.00 for
plumbing services.
PASSED and APPROVED on 6/4/2019
Page 1 Printed on 615119
File Number 2019-0324
Approve Attest:
Lioneld Jor n, Ma or Sondra E. Smith, City Clerk Treasurer
GSE R
�.����•' CITY '�Fv
v.
O*IIJri n0%�
Page 2 Printed on 615119
City of Fayetteville, Arkansas 113 West Mountain Street
Fayetteville, AR 72701
(479) 575-8323
�. Text File
File Number: 2019-0324
Agenda Date: 6/4/2019 Version: 1 Status: Passed
In Control: City Council Meeting File Type: Resolution
Agenda Number: A. 6
PHILLIP HOSKINS SEWER DAMAGE CLAIM:
A RESOLUTION PURSUANT TO §39.10(C)(4) OF THE FAYETTEVILLE CITY CODE TO
AUTHORIZE THE MAYOR TO PAY THE AMOUNT OF $6,113.11 TO PHILLIP HOSKINS FOR A
SEWER DAMAGE CLAIM ARISING AT 983 NORTH LEWIS AVENUE IN ADDITION TO
PREVIOUS PAYMENTS OF $3,600.58 TO SERVICEMASTER FOR SEWER DAMAGE
MITIGATION SERVICES AND $100.00 TO ACCELERATED PLUMBING FOR PLUMBING
SERVICES
WHEREAS, pursuant to the §39.10(C)(4) of the City Code, the City Council must approve the payment of
sewer damage claims exceeding $8,000.00.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF
FAYETTEVILLE, ARKANSAS:
Section 1: That the City Council of the City of Fayetteville, Arkansas, pursuant to § 39.10(C)(4) of the
Fayetteville City Code, authorizes the Mayor to pay $6,113.11 to Phillip Hoskins for a sewer damage claim
arising at 983 North Lewis Avenue, in addition to a previous payment of $3,600.58 to ServiceMaster for
sewer damage mitigation services and a payment to Accelerated Plumbing in the amount of $100.00 for
plumbing services.
City of Fayetteville, Arkansas Page 1 Printed on 61512019
Tim Nyander
Submitted By
City of Fayetteville Staff Review Form
2019-0324
Legistar File ID
6/4/2019
City Council Meeting Date - Agenda Item Only
N/A for Non -Agenda Item
5/17/2019 WATER SEWER (720)
Submitted Date Division / Department
Action Recommendation:
Staff recommends the approval of a damage claim payment to Phillip Hoskins in the amount of $6,113.11 for a
damage claim arising at 983 North Lewis Avenue, in addition to a previous payment made to ServiceMaster in the
amount of $3,600.58 and Accelerated Plumbing in the amount of $100.00.
Budget Impact:
5400.720.4410-5311.04
Water and Sewer
Account Number
Fund
N/A
N/A
Project Number
Project Title
Budgeted Item? Yes
Current Budget
$ 27,855.51
Funds Obligated
$ -
Current Balance
$ 27,855.51
Does item have a cost? Yes
Item Cost
$ 6,113.11
Budget Adjustment Attached? No
Budget Adjustment
$ -
Remaining Budget $ 21,742.40
V20180321
Purchase Order Number: Previous Ordinance or Resolution #
Change Order Number:
Original Contract Number:
Comments:
Approval Date:
CITY OF
FAYETTEVILLE
' W4F ARKANSAS
MEETING OF JUNE 4, 2019
TO: Mayor and City Council
THRU: Don Marr, Chief of Staff
FROM: Tim Nyander, Utilities Director
DATE: May 17, 2019
SUBJECT: Sewer Damage Claim at 983 North Lewis
CITY COUNCIL MEMO
RECOMMENDATION:
Staff recommends the approval of a damage claim payment to Phillip Hoskins in the amount of
$6,113.11 for a damage claim arising at 983 North Lewis Avenue, in addition to a previous
payment made to ServiceMaster in the amount of $3,600.58 and Accelerated Plumbing in the
amount of $100.00.
BACKGROUND:
On April 30, 2019, a City sewer main had a blockage and caused a sewer overflow in the
residence of 983 North Lewis. The home is owned by Phillip Hoskins. The basement of the
home was damaged as a result of the overflow.
DISCUSSION:
ServiceMaster was called in for the immediate mitigation, which has already been paid for by
the City in the amount of $3,600.58. A plumbing issue was also repaired by Accelerated
Plumbing and Backflow in the amount of $100.00, which was also paid by the City. The home
requires restoration to return it to good condition following the sewer overflow and water
damage. Three (3) quotes were received for the restoration. Northwest Restoration submitted
the lowest quote in the amount of $6,113.11. Staff recommends a payment to Phillip Hoskins in
the amount of $6,113.11 to restore the home.
BUDGET/STAFF IMPACT:
Funds are available in the self-insurance (non -vehicular) account within the Water and Sewer
fund.
Attachments:
ServiceMaster Mitigation Invoice
Accelerated Plumbing Invoice
Three Restoration Quotes
Insurance Letter
Mailing Address:
113 W. Mountain Street www.fayetteville-ar.gov
Fayetteville, AR 72701
Serv1.'C8,VAS1T]? ServiceMaster by Quality Restoration
Cteah .
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
Insured: City of Fayetteville
Property: 983 Lewis
Fayetteville, AR 72703
Claim Rep.: Weston Bryant
Estimator: Weston Bryant
Claim Number:
Date Contacted: 4/30/2019
Date of Loss: 4/30/2019
Date Inspected: 4/30/2019
Policy Number:
Price List: ARFA8X_MAY19
Restoration/Service/Remodel
Estimate: CITY OF FAY 983 LEWI
Home: (479) 313-2684
Business: (479) 530-6081
E-mail: weston.bryant@servicemasterqr.
com
Business: (479) 530-6081
E-mail: weston.
bryant@servicemasterqr.com
Type of Loss: Sewage
Date Received: 4/30/2019
Date Entered: 5/6/2019 3:15 PM
Thank you for allowing ServiceMaster by Quality Restoration to meet your mitigation needs.
Tax ID: 20-1283784
PSP Code: 215592
Sed°vice..1?1A51; R ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
CITY -OF FAY_983_LEWI
Miscellaneous
DESCRIPTION QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
44. Emergency service call - during business hours
1.00 EA
113.25
11.04
124.29
(0.00)
124.29
45. Equipment setup, take down, and monitoring (hourly
7.00 HR
40.83
27.87
313.68
(0.00)
313.68
charge)
76.00 SF
0.57
4.22
47.54
(0.00)
47.54
46. Haul debris - per pickup truck load - including dump
1.00 EA
113.19
11.04
124.23
(0.00)
124.23
fees
47. Equipment decontamination charge - per piece of
1.00 EA
24.25
2.36
26.61
(0.00)
26.61
equipment
0.50 HR
28.05
1.37
15.40
(0.00)
15.40
replace dehu hose and filter
76.00 SF
0.18
1.33
15.01
(0.00)
15.01
Totals: Miscellaneous 52.31 588.81 0.00 588.81
Door
Door
Door
DESCRIPTION
Bedroom 1
Main Level
409.33 SF Walls
581.15 SF Walls & Ceiling
19.09 SY Flooring
57.00 LF Ceil. Perimeter
2'X6'8"
2'6"X6'8"
2'6"X6'8"
Height: 8'
171.82 SF Ceiling
171.82 SF Floor
50.00 LF Floor Perimeter
Opens into BATHROOM
Opens into Bl_CLST
Opens into HALLWAY
QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
29. Tear out wet non -salvageable carpet, cutibag - Cat 3
76.00 SF
0.60
4.45
50.05
(0.00)
50.05
water
30. Tear out wet carpet pad, cut/bag - Category 3 water
76.00 SF
0.57
4.22
47.54
(0.00)
47.54
31. Tear out tackless strip and bag for disposal -
12.00 LF
0.84
0.98
11.06
(0.00)
11.06
Category 3
32. Tear out trim and bag for disposal - up to Cat 3
12.00 LF
0.68
0.80
8.96
(0.00)
8.96
33. Content Manipulation charge - per hour
0.50 HR
28.05
1.37
15.40
(0.00)
15.40
34. Apply anti -microbial agent to the surface area
76.00 SF
0.18
1.33
15.01
(0.00)
15.01
35. Air mover (per 24 hour period) - No monitoring
6.00 EA
26.01
15.22
171.28
(0.00)
171.28
2 air movers, 3 days
36. Dehumidifier (per 24 hour period) - XLarge - No
3.00 EA
101.35
29.64
333.69
(0.00)
333.69
monitoring
I dehu, 3 days
Totals: Bedroom l 1 58.01 652.99 0.00 652.99
CITY_OF_FAY_983_LEW] 5/6/2019 Page:2
ServiGtMIASIER ServiceMaster by Quality Restoration
Glet7q.
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
.-2' 1 It -_-4'4"
T 7' V
Bl clst
i
Hall B1 clst
167.57 SF Walls
L 198.97 SF Walls & Ceiling
B2, 3.49 SY Flooring
23.03 LF Ceil. Perimeter
Height: 8'
31.39 SF Ceiling
31.39 SF Floor
20.53 LF Floor Perimeter
Door 2' 6" X 6' 8" Opens into BEDROOM -1
DESCRIPTION
QUANTITY
UNIT PRICE
TAX
RCV
DEPREC.
ACV
37. Apply anti -microbial agent to the floor
31.39 SF
0.18
0.55
6.20
(0.00)
6.20
38. Tear out wet non -salvageable carpet, cut/bag - Cat 3
31.39 SF
0.60
1.84
20.67
(0.00)
20.67
water
39. Tear out wet carpet pad, cutibag - Category 3 water
31.39 SF
0.57
1.74
19.63
(0.00)
19.63
40. Tear out trim and bag for disposal - up to Cat 3
20.53 LF
0.68
1.36
15.32
(0.00)
15.32
41. Tear out tackless strip and bag for disposal -
20.53 LF
0.84
1.68
18.93
(0.00)
18.93
Category 3
42. Content Manipulation charge - per hour
0.25 HR
28.05
0.68
7.69
(0.00)
7.69
43. Air mover (per 24 hour period) - No monitoring
6.00 EA
26.01
15.22
171.28
(0.00)
171.28
2 air movers, 3 days
Totals: B1 clst 23.07 259.72 0.00 259.72
�-9' 7"-1y g"•3' 1".j
9' S"-� 2' 1
-4'4" . r7,u �i5t (t T a
BI dst ^ i
B2 cist o r- ,f• a• , 1
r
aaih;e m „
Door
Door
Door
Hallway Height: 8'
284.17 SF Walls
344.97 SF Walls & Ceiling
6.76 SY Flooring
45.24 LF Ceil. Perimeter
2'6"X6'8"
2'8„X6,8"
2'6"X6'8"
Subroom: Hall elst (1)
H.11 -y 111.39 SF Walls
11'6" 4' '' 8„' T 124.54 SF Walls & Ceiling
ra BaH cis
" 1.46 SY Flooring
t N 1
17.26 LF Ceil. Perimeter
Door 4' X 6' 8"
60.80 SF Ceiling
60.80 SF Floor
33.58 LF Floor Perimeter
Opens into BEDROOM -2
Opens into Exterior
Opens into BEDROOM -1
Height: 8'
13.15 SF Ceiling
13.15 SF Floor
13.26 LF Floor Perimeter
Opens into HALLWAY
DESCRIPTION QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
CITY_OF_FAY_983_LEWI 5/6/2019 Page:3
.SC?ry C8,11ARV? ServiceMaster by Quality Restoration
Ckan
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
CONTINUED - Hallway
DESCRIPTION QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
1. Apply anti -microbial agent to the floor
73.95 SF
0.18
1.30
14.61
(0.00)
14.61
3. Tear out wet non -salvageable carpet, cut/bag - Cat 3
73.95 SF
0.60
4.33
48.70
(0.00)
48.70
water
58.80
1.72
19.40
(0.00)
19.40
0.68
4. Tear out wet carpet pad, cut/bag - Category 3 water
73.95 SF
0.57
4.11
46.26
(0.00)
46.26
5. Tear out trim and bag for disposal - up to Cat 3
46.83 LF
0.68
3.10
34.94
(0.00)
34.94
6. Tear out tackless strip and bag for disposal
46.83 LF
0.69
3.15
35.46
(0.00)
35.46
7. Content Manipulation charge - per hour
0.25 HR
28.05
0.68
7.69
(0.00)
7.69
9. Air mover (per 24 hour period) - No monitoring
9.00 EA
26.01
22.82
256.91
(0.00)
256.91
3 air movers, 3 days
Totals: Hallway 39.49 444.57 0.00 444.57
BI clstl 911 gLG1mil 2' 6" II Bedroom 2
s 1 344.05 SF Walls
t) I 500.79 SF Walls & Ceiling
Bedroom 2 � o
17.42 SY Flooring
j(.11 I 12'3" 50.09 LF Ceil. Perimeter
111
12'9" -�
Door
Door
Hall clst (1)
T
B2 clst (1)
4'- - -
�1'6"�
Door
DESCRIPTION
2'6"X6'8"
2'X6'8"
Subroom: B2 clst (1)
113.72 SF Walls
127.83 SF Walls & Ceiling
1.57 SY Flooring
17.55 LF Ceil. Perimeter
4'X6'8"
23. Apply anti -microbial agent to the floor
24. Tear out wet non -salvageable carpet, cut/bag - Cat 3
water
25. Tear out wet carpet pad, cut/bag - Category 3 water
26. Tear out trim and bag for disposal - up to Cat 3
27. Content Manipulation charge - per hour
CITY_OF_FAY_983_LEWI
QUANTITY UNIT PRICE
170.85 SF 0.18
94.00 SF 0.60
94.00 SF 0.57
26.00 LF 0.68
0.25 HR 28.05
Height: 8'
156.74 SF Ceiling
156.74 SF Floor
41.59 LF Floor Perimeter
Opens into HALLWAY
Opens into BATHROOM
Height: 8'
14.11 SF Ceiling
14.11 SF Floor
13.55 LF Floor Perimeter
Opens into BEDROOM -2
TAX
RCV
DEPREC.
ACV
3.00
33.75
(0.00)
33.75
5.50
61.90
(0.00)
61.90
5.22
58.80
(0.00)
58.80
1.72
19.40
(0.00)
19.40
0.68
7.69
(0.00)
7.69
5/6/2019
Page:4
Se.rl,*(ServiceMaster by Quality Restoration
Elan
4208 Johnson Rd.
Springdale, AR 72762-
(479)756-4169
DESCRIPTION
CONTINUED - Bedroom 2
QUANTITY UNIT PRICE
TAX RCV DEPREC.
ACV
28. Air mover (per 24 hour period) - No monitoring 12.00 EA 26.01 30.43 342.55 (0.00) 342.55
4 air movers, 3 days
Totals: Bedroom 2 46.55 524.09 0.00 524.09
Bathroom
151.38 SF Walls
186.49 SF Walls & Ceiling
3.90 SY Flooring
23.92 LF Ceil. Perimeter
Door 2' X 61811
Door 2' X 6' 8"
Subroom: Offset (1)
160.00 SF Walls
189.28 SF Walls & Ceiling
3.25 SY Flooring
21.67 LF Ceil. Perimeter
Height: 8'
35.11 SF Ceiling
35.11 SF Floor
11.76 LF Floor Perimeter
Opens into BEDROOM -2
Opens into BEDROOM -1
Height: 8'
29.28 SF Ceiling
29.28 SF Floor
9.17 LF Floor Perimeter
Door 2' X 6' 8" Opens into BATHROOM
DESCRIPTION QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
10.
Apply anti -microbial agent to the floor
64.38 SF
0.18
1.13
12.72
(0.00)
12.72
11.
Tear out non -salvageable tile floor & bag - Cat 3
42.38 SF
3.68
15.21
171.17
(0.00)
171.17
water
12.
Remove 1/2" Cement board
42.38 SF
0.58
2.40
26.98
(0.00)
26.98
14.
Toilet - Detach
1.00 EA
33.10
3.23
36.33
(0.00)
36.33
15.
Interior door slab only - Detach
1.00 EA
4.37
0.43
4.80
(0.00)
4.80
16.
Tear out wet drywall, cleanup, bag, per LF - up to 2'
3.00 LF
2.54
0.74
8.36
(0.00)
8.36
tall
17.
Tear out trim and bag for disposal - up to Cat 3
20.92 LF
0.68
1.39
15.62
(0.00)
15.62
18.
Remove Base shoe
20.92 LF
0.13
0.27
2.99
(0.00)
2.99
20.
Air mover (per 24 hour period) - No monitoring
12.00 EA
26.01
30.43
342.55
(0.00)
342.55
4 air
movers, 3 days
CITY OF_FAY_983_LEWI 5/6/2019 Page:5
Se1'71k8tFMSIV? ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
CONTINUED - Bathroom
DESCRIPTION QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
Totals: Bathroom
Crawlspace
DESCRIPTION
55.23 621.52 0.00 . 621.52
QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
21. Apply anti -microbial agent to the surface area 320.00 SF 0.18 5.62 63.22 (0.00) 63.22
22. Air mover (per 24 hour period) - No monitoring 6.00 EA 26.01 15.22 171.28 (0.00) 171.28
2 air movers, 3 days
Totals: Crawlspace 20.84 234.50 0.00 234.50
Total: Main Level 243.19 2,737.39 0.00 2,737.39
Labor Minimums Applied
DESCRIPTION QUANTITY UNIT PRICE TAX RCV DEPREC. ACV
8. General labor - labor minimum
1.00 EA 7.06 0.69
7.75
(0.00)
7.75
13. Tile floor covering labor minimum
1.00 EA 130.13 12.69
142.82
(0.00)
142.82
19. Finish carpentry labor minimum
1.00 EA 112.81 11.00
123.81
(0.00)
123.81
Totals: Labor Minimums Applied
24.38
274.38
0.00
274.38
Line Item Totals: CITY_OF_FAY_983_LEWI 319.88 3,600.58 0.00 3,600.58
Grand Total Areas:
1,741.62
SF Walls
512.39
SF Floor
0.00
SF Long Wall
512.39
Floor Area
952.72
Exterior Wall Area
0.00 Surface Area
0.00 Total Ridge Length
512.39 SF Ceiling
56.93 SY Flooring
0.00 SF Short Wall
573.77 Total Area
107.83 Exterior Perimeter of
Walls
0.00 Number of Squares
0.00 Total Hip Length
2,254.01 SF Walls and Ceiling
193.42 LF Floor Perimeter
255.76 LF Ceil. Perimeter
1,741.62 Interior Wall Area
0.00 Total Perimeter Length
C1TY_OF_FAY_983_LEWI 5/6/2019 Page:6
Service.MASTF,R ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
Summary for Dwelling
Line Itcm. Total 3,280.70
Total Sales Tax 319.88
Replacement Cost Value $3,600.58
Net Claim $3,600.58
Y\ at >v
Weston Bryant
CITY O.F. FAY 983 LEWI
5/6/2079 Page:7
Sett;ice. AWN ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
1-DSCF9765 Date Taken: 5/1/2019
C1TY_OF_FAY_983_LEWI 5/6/2019 Page:8
Service)OAs F,R
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ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
2-DSCF9766
Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page:9
5611"NCOASTTR ServiceMaster by Quality Restoration
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4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
3 3-DSCF9767 Date Taken: 5/1/2019
CITY OF FAY 983 LEW]
5/6/2019 Page: 10
SEtWviMIMS ER
Clean.
ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
4-DSCF9768 Date Taken: 5/1/2019
C1TY_OF_FAY_983_LEWI 5/6/2019 Page: 11
Sel'ViCeMASTER ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
5-DSCF9769
Date Taken: 5/1/2019
CITY_01"_FAY_983_LEWI 5/6/2019 Page: 12
SeswiCe_-1ASTU ServiceMaster by Quality Restoration
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4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
6-DSCF9770 Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 13
SeM CeMANT,R ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
7-DSCF9771 Date Taken: 5/1/2019
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Sei'v2Ce.,11ASM ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
8-DSCF9772 Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 15
Servic ,imsm
Clean,
ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
9-DSCF9773 Date Taken: 5/1/2019
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ServicaIMSTFR ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
10 10-DSCF9774 Date Taken: 5/l/2019
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Sel'ViCeMASTF,R ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
I
1 1 11-DSCF9775 Date Taken: 5/1/2019
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S81'vice..M.4STRR ServiceMaster by Quality Restoration
Glean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
12 12-DSCF9776 Date Taken: 5/1/2019
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Service I ' FR ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
13 13-DSCF9777 Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 20
Service.wASP.A,R
Cean
ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
14 14-DSCF9778
Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 21
See' 1iCe_'IMSTFR ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
15 15-DSCF9779 Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 22
Sea"ZZCe-MASTER ServiceMaster by Quality Restoration
civan
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
16 16-DSCF9780
Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 23
SeMiCeIfASTF,R ServiceMaster by Quality Restoration
Glean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
17
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17-DSCF9781
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Date Taken: 5/1/2019
C1TY_OF_FAY_983_LEWI 5/6/2019 Page: 24
SeiViCeVASM ServiceMaster by Quality Restoration
Glean
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
18 18-DSCF9782 Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 25
S&7 iCeAA ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
19 19-DSCF9783
CITY OF FAY 983 LEWI
Date Taken: 5/1/2019
5/6/2019 - ' Page: 26
.s6r.viCeM%ISTFR ServiceMaster by Quality Restoration
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4208 Johnson Rd.
Springdale, AR 72762
(479) 7564169
CITY OF FAY 983 LEW]
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ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
21 21-DSCF9785
Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 28
Serwe_f-ASTF,R ServiceMaster by Quality Restoration
'Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
22 22-DSCF9786 Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 29
ServiCeMASTER ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
23 23-DSCF9787 Date Taken: 5/1/2019
C1TY_01--_FAY_983_LEWI 5/6/2019 Page: 30
SGi"V C2i05TFR ServiceMaster by Quality Restoration
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
Date Taken: 5/1/2019
5/6/2019 Page: 31
ServiLelMS7'P,R ServiceMaster by Quality Restoration
Chan. .
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
25 25-DSCF9789
C1TY_OF_FAY_983_LE W I
Date Taken: 5/1/2019
I
4
5/6/2019
Page: 32
SelTiMMASM ServiceMaster by Quality Restoration
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26 26 -DS(
CITY—OF—FAY-91
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
SeMiCeMASM ServiceMaster by Quality Restoration
Clean.,
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
27 27-DSCF9791 Date Taken: 5/1/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 34
SCII'V'iCeVMSTTR ServiceMaster by Quality Restoration
Clem
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
28 28-DSCF9809 Date Taken: 5/3/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 35
Sel''ViceMASTER ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
r.
29 29-DSCF9810
Date Taken: 5/3/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 36
Sel'viCeWASTRR ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
30 30-DSCF9812 Date Taken: 5/3/2019
C1TY_OF_FAY_983_LEWI 5/6/2019 Page: 37
Sel'I1ZC@1'W'; STIR ServiceMaster by Quality Restoration
GTe""ani,
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
9
31 31-DSCF9813 Date Taken: 5/3/2019
CITY OF FAY 983 LEWI
5/6/2019 Page: 38,
Sel'ViCeMASM ServiceMaster by Quality Restoration
Clean -
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
32 32-DSCF9814 Date Taken: 5/3/2019
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Sel'viee4ASTU ServiceMaster by Quality Restoration
Clean -
4208Johnson Rd.
Springdale, AR 72762
(479)756-4169
33 33-DSCF9815 Date Taken: 5/3/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 40
S6ry Ce"USTWk ServiceMaster by Quality Restoration
r 4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
34 34-DSCF9816
CITY OF FAY 983 LEWI
Date Taken: 5/3/2019
5/6/2019
Page: 41
Se7'vice,'bASTBR ServiceMaster by Quality Restoration
Glean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
35 35-DSCF9817
Date Taken: 5/3/2019
CITY_OF_FAY_983_LEW] 5/6/2019 Page: 42
ServicedVASTP,R ServiceMaster by Quality Restoration
Glean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
36 36-DSCF9818 Date Taken: 5/3/2019
CITY OF FAY 983 LEWI 5/6/2019 Page: 43
Sel'ViCeIMSTF,.R ServiceMaster by Quality Restoration
(Term
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
37 37-DSCF9819 Date Taken: 5/3/2019
CITY_OF_FAY_983_LEWI 5/6/2019 Page: 44
Serv"iCeAMSM ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
38 38-DSCF9820 Date Taken: 5/3/2019
C1TY_OF_FAY_983_LE W I
5/6/2019 Page: 45
Se'J'VICe,'VA' 5TYRServiceMaster by Quality Restoration
A�Cien
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
39 39-DSCF9821
CITY—OF—FAY 983_LEWI
Date Taken: 5/3/2019
9
5/6/2019 Page: 46
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Accelerate plumbina
and eacknow
��q12994 Knight Lane
v ;,Lowell, AR 72745
Bill To
city of fayetteville 2
Work Location
983 lewis
favetteville ar
Invoice
Date Job #
4/28/2019 784575
Backflow testing and repair
Commercial and Residential
New and Remodel
P.O. No.
Terms
Project
Item
Quantity
Description
Rate
Amount
14 Plumbing
reset stool
100.00
100.00
Thank you for your business.
Total $100.00
Backflow testing and repair
Commercial and Residential
New and Remodel
NORTHWEST RESTORATION, INC.
1380 N. Oak Grove Road
Springdale, AR 72762
Phone: 479-750-7821
Fax: 479-750-7834
adavis@northwesti-estoration.com
Tax ID: 71-08-22298
Client: Hoskins, Phillip
Property: 983 North Lewis
Fayetteville, AR
Operator: JDAVIS
Estimator: DAVIS, JEFF
Business: 1416 OAK GROVE RD.
SPRINGDALE, AR 72762
Reference:
ARFA8X MAY19
Company:
NORTHWEST RESTORATION, INC.
Business:
1380 Oak Grove Road
File Number:
Springdale, AR 72762
Type of Estimate:
Sewage
Date Entered:
5/10/2019 Date Assigned:
Price List:
ARFA8X MAY19
Labor Efficiency:
Restoration/Service/Remodel
Estimate:
11502-HOSKINS
File Number:
11502 -Hoskins
Cellular: (479) 466-5821
Business: (479) 750-7821
Business: (479) 750-7821
NORTHWEST RESTORATION, INC.
1380 N. Oak Grove Road
Springdale, AR 72762
Phone: 479-750-7821
Fax: 479-750-7834
adavis@northwestrestoration.com
Tax ID: 71-08-22298
11502-HOSKINS
Main Level
Bedroom
Subroom: clst 1 (1)
DESCRIPTION
QTY UNIT PRICE
Height: 8'
Height: 8'
TOTAL
1. R&R Carpet pad
208.72 SF @
0.84 =
175.33
3. R&R Carpet
208.72 SF @
3.67 =
766.01
4. Trim board - 1" x 4" - installed (cedar)
81.33 LF @
2.97 =
241.55
6. Paint baseboard - two coats
81.33 LF @
1.19 =
96.78
8. Content Manipulation charge - per hour
3.00 HR @
28.05 =
84.15
Bathroom Height: 8'
DESCRIPTION QTY UNIT PRICE TOTAL
10. 1/2" Cement board
35.42
SF @
3.04 =
107.68
12. Tile floor covering
35.42
SF @
7.97 =
282.30
13. Trim board - 1" x 4" - installed (cedar)
20.17
LF @
2.97 =
59.90
14. Paint baseboard - two coats
20.17
LF @
1.19 =
24.00
of
Missing Wall
DESCRIPTION
5'X 8'
Opens into SHWR
QTY UNIT PRICE
Height: 8'
TOTAL
15. 1/2" Cement board
17.08 SF @
3.04 =
51.92
16. Tile floor covering
17.08 SF @
7.97 =
136.13
17. Trim board - 1" x 4" - installed (cedar)
4.83 LF @
2.97 =
14.35
18. Paint baseboard - two coats
4.83 LF @
1.19 =
5.75
33. Detach & Reset Toilet
1.00 EA @
180.68 =
180.68
Bedroom 2
Subroom: clst 2 (1)
DESCRIPTION
11 502-HOSKINS
QTY UNIT PRICE
5/10/2019
Height: 8'
Height: 8'
TOTAL
Page: 2
NORTHWEST RESTORATION, INC.
1380 N. Oak Grove Road
Springdale, AR 72762
Phone: 479-750-7821
Fax: 479-750-7834
adavis@northwestrestoration.com
Tax 1D: 71-08-22298
CONTINUED - Bedroom 2
DESCRIPTION
QTY UNIT PRICE TOTAL
19. R&R Carpet pad
171.89
SF @
0.84 =
144.39
20. R&R Carpet
171.89
SF @
3.67 =
630.84
21. Trim board - 1" x 4" - installed (cedar)
67.33
LF @
2.97 =
199.97
22. Paint baseboard - two coats
67.33
LF @
1.19 =
80.12
23. Content Manipulation charge - per hour
3.00 HR @
28.05 =
84.15
Hall Height: 8'
Missing Wall Y X 8'
Opens into STAIRS
Opens into HALL
Subroom: Stairs2 (1)
Subroom: clst 3 (1)
Height: 13'
Missing Wall
3/4" X 12'1115/16"
Height: 8'
DESCRIPTION
Y X 12' 1115/16"
QTY UNIT PRICE
TOTAL
24. R&R Carpet pad
74.39
SF @
0.84 =
62.49
25. R&R Carpet
74.39
SF @
3.67 =
273.01
26. Trim board - 1" x 4" - installed (cedar)
59.1.7
LF @
2.97 =
175.73
27. Paint baseboard - two coats
59.17
LF @
1.19 =
70.41
Stairs Height: 16'9"
Missing Wall
Y X 16'8 15/16"
Opens into HALL
Subroom: Stairs2 (1)
Height: 13'
Missing Wall
3/4" X 12'1115/16"
Opens into Exterior
Missing Wall
Y X 12' 1115/16"
Opens into STAIRS]
Missing Wall
7" X 12' 11 15/16"
Opens into STAIRSI
Missing Wall
0" X 12'11 15/16"
Opens into STAIRS
Subroom: Stairsl (2)
Height: 13'
Missing Wall
Y X 12' 1115/16"
Opens into STAIRS
Missing Wall
11" X 12'11 15/16"
Opens into STAIRS2
Missing Wall
Y X 12' 11 15/16"
Opens into STAIRS2
11502-HOSKTNS
5/10/2019 Page:3
NORTHWEST RESTORATION, INC.
1.380 N. Oak Grove Road
Springdale, AR 72762
Phone: 479-750-7821
Fax: 479-750-7834
adavis@northwestrestoration.com
Tax ID: 71-08-22298
DESCRIPTION
QTY
UNIT PRICE
TOTAL
29. R&R Carpet pad
1.08.88 SF @
0.84 =
91.46
30. R&R Carpet
108.88 SF @
3.67 =
399.59
31. Step charge for "waterfall" carpet installation
16.00 EA @
4.50 =
72.00
Debris Removal
DESCRIPTION
QTY
UNIT PRICE
TOTAL
32. Tandem axle dump.trailer - per load - including dump fees
1.00 EA @
182.81 =
182.81
Labor Minimums Applied
DESCRIPTION
QTY UNIT PRICE TOTAL
34. Plumbing labor minimum 1.00 EA @ 49.92 = 49.92
Grand Total Areas:
2,506.68 SF Walls
627.21 SF Floor
0.00 SF Long Wall
627.21 Floor Area
940.50 Exterior Wall Area
0.00 Surface Area
0.00 Total Ridge Length
589.76 SF Ceiling
69.69 SY Flooring
0.00 SF Short Wall
665.23 Total Area
104.50 Exterior Perimeter of
Walls
0.00 Number of Squares
0.00 Total Hip Length
3,096.44 SF Walls and Ceiling
284.75 LF Floor Perimeter
282.04 LF Ceil. Perimeter
2,025.33 Interior Wall Area
0.00 Total Perimeter Length
11502-HOSKINS 5/10/2019 Page:4
NORTHWEST RESTORATION, INC.
1380 N. Oak Grove Road
Springdale, AR 72762
Phone: 479-750-7821
Fax: 479-750-7834
adavis@northwestrestoration.com
Tax ID: 71-08-22298
Summary
Line Item Total
4,743.42
Material Sales Tax
46.66
Subtotal
4,790.08
Overhead
479.06
Profit
479.06
Service Sales Tax
364.91
Replacement Cost Value
$6,113.11
Net Claim
$6,113.11
DAVIS, JEFF
11502-HOSKINS 5/10/2019 Pa -e:5
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O
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O
m
Se.rf G89AS V? ServiceMaster by Quality Restoration
Ckean
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
Insured: City of Fayetteville
Property: 983 Lewis
Fayetteville, AR 72701
Claim Rep.: Weston Bryant
Estimator: Weston Bryant
Claim Number:
Date Contacted: 4/30/2019
Date of Loss: 4/30/2019
Date Inspected: 4/30/2019
Policy Number:
Price List: ARFA8X_APR19
Restoration/Service/Remodel
Estimate: CITY—OF—FAY-983—REP
Business: (479) 530-6081
E-mail: weston.bryant@servicemastergr.
com
Business: (479) 530-6081
E-mail: weston.
bryant@servicemasterqr.com
Type of Loss: Sewage
Date Received: 4/30/2019
Date Entered: 5/6/2019 4:40 PM
Thank you for allowing ServiceMaster by Quality Restoration to meet your mitigation needs.
Tax ID: 20-1283784
PSP Code: 215592
Servic(NASI R ServiceMaster by Quality Restoration
Cleat .
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
r-9' 7"----42' 8"-3' 1"-
"r9,5"
9151,------- 2' j
_
16ldallaya�, 8„
-4'4"
jQall cist (1 T c -
B1 clst
132 clst (Ir 6' 1 1
' I
42. Tackless strip - per LF
7
Ba fly m
t
Door
28.99
Door
28.99
Door
85.04 SF
Hallway
11.6" 4' 1. 1.,
T
Hall c1st (1) ill
6, x., i
t
B2 clst (1)
Door
DESCRIPTION
Hallway
CITY_OF_FAY_983_REP
Main Level
284.17 SF Walls
344.97 SF Walls & Ceiling
6.76 SY Flooring
45.24 LF Ceil. Perimeter
2'611X6'811
21 011 X 618"
21 611 X 61 081'
Subroom: Hall clst (1)
111.39 SF Walls
124.54 SF Walls & Ceiling
1.46 SY Flooring
17.26 LF Ceil. Perimeter
4'X6'811
QUANTITY UNIT PRICE TAX
Height: 8'
60.80 SF Ceiling
60.80 SF Floor
33.58 LF Floor Perimeter
Opens into BEDROOM -2
Opens into Exterior
Opens into BEDROOM -1
Height: 8'
13.15 SF Ceiling
13.15 SF Floor
13.26 LF Floor Perimeter
Opens into HALLWAY
O&P RCV DEPREC. ACV
7. Content Manipulation charge - per hour
0.25 HR
28.05
0.82
1.40
9.23
(0.00)
9.23
42. Tackless strip - per LF
46.83 LF
0.47
2.58
4.40
28.99
(0.00)
28.99
44. Carpet
85.04 SF
3.11
30.95
52.90
348.32
(0.00)
348.32
15 % waste added for Carpet.
45. Carpet pad
73.95 SF
0.59
5.10
8.72
57.45
(0.00)
57.45
46. Baseboard - 3 1/4"
46.83 LF
2.15
11.78
20.14
132.60
(0.00)
132.60
47. Paint baseboard - two coats
46.83 LF
0.96
5.26
9.00
59.22
(0.00)
59.22
49. Mask and prep for paint - plastic,
46.83 LF
0.96
5.26
9.00
59.22
(0.00)
59.22
paper, tape (per LF)
Totals: Hallway 61.75 105.56 695.03 0.00 695.03
CITY -OF -FAY -983 -REP 5/6/2019 - Page:2
Se.rV1.C(-,1MAS1Z7? ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
Bathroom Height: 8'
151.38 SF Walls 35.11 SF Ceiling
186.49 SF Walls & Ceiling 35.11 SF Floor
3.90 SY Flooring 11.76 LF Floor Perimeter
23.92 LF Ceil. Perimeter
Door 2' X 6' 8" Opens into BEDROOM -2
Door 2' X 6' 8" Opens into BEDROOM -1
tlamV itY ( )
Subroom: Offset (1) Height: 8'
9„
T T 160.00 SF Walls 29.28 SF Ceiling
189.28 SF Walls & Ceiling 29.28 SF Floor
1 Tub(Bl) " 3.25 SY Flooring 9.17 LF Floor Perimeter
5'2" 21.67 LF Ceil. Perimeter
�-5' s"
Door 2' X 6' 8" Opens into BATHROOM
DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV
12. Remove 1/2" Cement board
42.38 SF
0.58
2.88
4.92
32.38
(0.00)
32.38
17. Baseboard - 3 1/4"
20.92 LF
2.15
5.27
9.00
59.25
(0.00)
59.25
18. Base shoe
20.92 LF
0.91
2.23
3.80
25.07
(0.00)
25.07
50. Re -skin toe kick
5.00 LF
6.33
3.71
6.34
41.70
(0.00)
41.70
53. Paint baseboard - two coats
20.92 LF
0.96
2.35
4.02
26.45
(0.00)
26.45
54. Seal & paint base shoe or quarter
20.92 LF
0.54
1.32
2.26
14.88
(0.00)
14.88
round
55. Mask and prep for paint - plastic,
20.92 LF
0.96
2.35
4.02
26.45
(0.00)
26.45
paper, tape (per LF)
56. Paint the walls - one coat
311.38 SF
0.45
16.39
28.02
184.53
(0.00)
184.53
57. Tile floor covering
42.38 SF
7.46
36.98
63.24
416.37
(0.00)
416.37
58. Detach & Reset Toilet
1.00 EA
180.68
21.14
36.14
237.96
(0.00)
237.96
60. 1/2" - drywall per LF - up to 2' tall
3.00 LF
5.25
1.85
3.16
20.76
(0.00)
20.76
62. Interior door unit
1.00 EA
146.00
17.09
29.20
192.29
(0.00)
192.29
63. 1/2" Cement board
42.38 SF
3.04
15.07
25.76
169.67
(0.00)
169.67
64. R&R Outlet or switch cover
3.00 EA
2.38
0.83
1.44
9.41
(0.00)
9.41
Totals: Bathroom 129.46 221.32 1,457.17 0.00 1,457.17
CITY -OF -FAY -983 -REP 5/6/2019 Page:3
St rv1.C812AS11i1? ServiceMaster by Quality Restoration
Clean .
• 4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
14.11 Bl clst Height: 8'
-2' 11 --4'4"-
_ 7 1"N }���� 167.57 SF Walls 31.39 SF Ceiling
T 198.97 SF Walls & Ceiling 31.39 SF Floor
_ a = Bz` 3.49 SY Flooring 20.53 LF Floor Perimeter
23.03 LF Ceil. Perimeter
Door 2' 6" X 6' 8" Opens into BEDROOM -1
DESCRIPTION
QUANTITY
UNIT PRICE
TAX
O&P
RCV
DEPREC.
ACV
26. Content Manipulation charge - per
0.25 HR
28.05
0.82
1.40
9.23
(0.00)
9.23
hour
67. Carpet
36.10 SF
3.11
13.14
22.46
147.87
(0.00)
147.87
15 % waste added for Carpet.
68. Carpet pad
31.39 SF
0.59
2.17
3.70
24.39
(0.00)
24.39
69. Baseboard - 3 1/4"
20.53 LF
2.15
5.16
8.82
58.12
(0.00)
58.12
70. Paint baseboard - two coats
20.53 LF
0.96
2.30
3.94
25.95
(0.00)
25.95
71. Mask and prep for paint - plastic,
20.53 LF
0.96
2.30
3.94
25.95
(0.00)
25.95
paper, tape (per LF)
72. Tackless strip - per LF
20.53 LF
0.47
1.13
1.94
12.72
(0.00)
12.72
Totals: B1 clst 27.02 46.20 304.23 0.00 304.23
Bl dm
Door
Door
nauast (1)
6 R..
T
�11
I
Door
DESCRIPTION
Bedroom 2
344.05 SF Walls
500.79 SF Walls & Ceiling
17.42 SY Flooring
50.09 LF Ceil. Perimeter
2'6"X6'8"
2'X6'8"
Subroom: B2 clst (1)
Height: 8'
156.74 SF Ceiling
156.74 SF Floor
41.59 LF Floor Perimeter
Opens into HALLWAY
Opens into BATHROOM
Height: 8'
113.72 SF Walls 14.11 SF Ceiling
127.83 SF Walls & Ceiling 14.11 SF Floor
1.57 SY Flooring 13.55 LF Floor Perimeter
17.55 LF Ceil. Perimeter
4' X 6' 8" Opens into BEDROOM -2
QUANTITY UNIT PRICE TAX O&P RCV DEPREC.
ACV
CITY -OF -FAY -983 -REP 5/6/2019 Page:4
.Se-rl tE,JI i,S1° R ServiceMaster by Quality Restoration
Clean.
4208 Johnson Rd.
Springdale, AR 72762
(479) 756-4169
CONTINUED - Bedroom 2
DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV
30. Tear out wet carpet pad, cut/bag -
94.00 SF
0.57
6.26
10.72
70.56
(0.00)
70.56
Category 3 water
3.00 HR 28.05
hour
133.51
80. Carpet
197.59 SF 3.11
15 % waste added for Carpet.
7.42
32. Content Manipulation charge - per
3.00 HR
28.05
9.84
16.84
110.83
(0.00)
110.83
hour
95.82 SF 0.19
5/6/2019
Page:5
73. Carpet
196.48 SF
3.11
71.50
122.22
804.77
(0.00)
804.77
15 % waste added for Carpet.
74. Remove Carpet
76.85 SF
0.19
1.70
2.92
19.22
(0.00)
19.22
75. Carpet pad
170.85 SF
0.59
11.80
20.16
132.76
(0.00)
132.76
76. Remove Carpet pad
76.85 SF
0.08
0.72
1.24
8.11
(0.00)
8.11
remaining pad
77. Baseboard - 3 1/4"
55.14 LF
2.15
13.87
23.72
156.14
(0.00)
156.14
78. Paint baseboard - two coats
55.14 LF
0.96
6.19
10.58
69.70
(0.00)
69.70
79. Mask and prep for paint - plastic,
55.14 LF
0.96
6.19
10.58
69.70
(0.00)
69.70
paper, tape (per LF)
Totals: Bedroom 2 128.07 218.98 1,441.79 0.00 1,441.79
Bedroom 1
409.33 SF Walls
581.15 SF Walls & Ceiling
19.09 SY Flooring
57.00 LF Ceil. Perimeter
Door
2' X 6' 8"
Door
2' 6" X 6' 8"
Door
2' 6" X 6' 8"
DESCRIPTION QUANTITY
UNIT PRICE
38. Content Manipulation charge - per
3.00 HR 28.05
hour
133.51
80. Carpet
197.59 SF 3.11
15 % waste added for Carpet.
7.42
81. Carpet pad
171.82 SF 0.59
82. Tackless strip - per LF
12.00 LF 0.47
83. Remove Baseboard - 3 1/4"
38.00 LF 0.33
remove additional base and replace all to match
23.99
84. Remove Carpet
95.82 SF 0.19
CITY_OF_FAY_983_REP
TAX
9.84
71.89
11.86
0.66
1.46
2.14
Height: 8'
171.82 SF Ceiling
171.82 SF Floor
50.00 LF Floor Perimeter
Opens into BATHROOM
Opens into Bl_CLST
Opens into HALLWAY
O&P RCV DEPREC.
ACV
16.84
110.83
(0.00)
110.83
122.90
809.29
(0.00)
809.29
20.28
133.51
(0.00)
133.51
1.12
7.42
(0.00)
7.42
2.50
16.50
(0.00)
16.50
3.64
23.99
(0.00)
23.99
5/6/2019
Page:5
,ServiC841As1111 ServiceMaster by Quality Restoration
Clear
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
DESCRIPTION
CONTINUED - Bedroom 1
QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV
85. Remove Carpet pad 95.82 SF 0.08 0.90 1.54 10.11 (0.00) 10.11
86. Paint baseboard - two coats 50.00 LF 0.96 5.62 9.60 63.22 (0.00) 63.22
87. Mask and prep for paint - plastic, 50.00 LF 0.96 5.62 9.60 63.22 (0.00) 63.22
paper, tape (per LF)
remove rest of carpet and pad that was not affected
Totals: Bedroom 1 109.99 188.02 1,238.09 0.00 1,238.09
Miscellaneous
DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV
88. Cleaning Technician - per hour 16.00 HR 32.80 61.40 104.96 691.16 (0.00) 691.16
post construction cleaning
Totals: Miscellaneous 61.40 104.96 691.16 0.00 691.16
Total: Main Level 517.69 885.04 5,827.47 0.00 5,827.47
Labor Minimums Applied
DESCRIPTION QUANTITY UNIT PRICE TAX O&P RCV DEPREC. ACV
2. Water extract/remediation labor
1.00 EA
54.15
6.34
10.84
71.33
(0.00)
71.33
minimum*
52. Cabinetry labor minimum*
1.00 EA
101.63
11.89
20.32
133.84
(0.00)
133.84
59. Plumbing labor minimum*
1.00 EA
49.92
5.84
9.98
65.74
(0.00)
65.74
61. Drywall labor minimum*
1.00 EA
198.24
23.20
39.64
261.08
(0.00)
261.08
66. Electrical labor minimum*
1.00 EA
150.99
17.66
30.20
198.85
(0.00)
198.85
Totals: Labor Minimums Applied 64.93 110.98 730.84 0.00 ' 730.84
Line Item Totals: CITY -OF -FAY -983 -REP 582.62 996.02 6,558.31 0.00 6,558.31
CITY -OF -FAY -983 -REP 5/6/2019 Page:6
Se-rV1C847ASTL7Z ServiceMaster by Quality Restoration
Clean
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
Grand Total Areas:
1,741.62
SF Walls
512.39
SF Ceiling
2,254.01
SF Walls and Ceiling
512.39
SF Floor
56.93
SY Flooring
193.42
LF Floor Perimeter
0.00
SF Long Wall
0.00
SF Short Wall
255.76
LF Ceil. Perimeter
512.39
Floor Area
573.77
Total Area
1,741.62
Interior Wall Area
952.72
Exterior Wall Area
107.83
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 Nip Length
CITY—OF—FAY-983—REP 5/6/2019 Page:7
ServiCG4SY? ServiceMaster by Quality Restoration
`GWd,MN1
4208 Johnson Rd.
Springdale, AR 72762
(479)756-4169
Line Item Total
Overhead
Profit
Total Sales Tax
Replacement Cost Value
Net Claim
Summary for Dwelling
Weston Bryant
4,979.67
498.01
498.01
582.62
$6,558.31
$6,558.31
CITY_OF_FAY_983_REP 5/6/2019 Page:8
►0
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Crossland Remodeling
18557 Habberton Road
Springdale Arkansas
72764
Office 479-439-0444
Text 479-313-5177
983 North Lewis Avenue Fayetteville Arkansas, water damage job.
1 apologize we are unable to give you a quote at this time. We are just
overwhelmed with our current workload. Please keep us in mind for future jobs.
Thanks Leeroy Crossland owner
Q)Allstate,
You're in good hands.
Information as of June 29, 2018
DarrinToylor Policyholder(s) Page 1 of 2
188 W Main #3
Farmington AR 72730 Phillip T Hoskins
Policy number
815 378 442
Your Allstate agency is
Darrin Taylor
Illr�l�rrrillllrirl��lllll'I�'I�'ll�llllllll'I'I�I'I�I�'I"'��1" (479) 267-5700
DARRINTAYLOR@allstate.com
PHILLIP T HOSKINS
1874 MADISON 7755 _
HUNTSVILLE AR 72740-7151
TrueFit& life insurance offers customized coverage that
could help your loved ones pay off the mortgage in the
event you're no longer around. Call me today.
$200,000 coverage
30 -year term;* $23.85 to $38.28 per month
Welcome to Allstate!
Thank you for choosing Allstate for your House & Home insurance. We look forward to protecting what's
important to you for many years.
Here's your insurance policy
Along with your new House & Home policy, we've included a guide to what's in this package and answers to
some common questions.
How to contact us
Please give your Allstate Agent a call at (479) 267-5700 if you have any questions. It's our job to make sure
you're in good hands.
Sincerely,
Julie Parsons
President, Allstate Vehicle and Property Insurance Company
N P210
'Term based on your estimated mortgage. Rates shown are for Preferred thru Standard Non -Smoker and based on Male. 25 as ofthe date above for Allstate TrueFiM a term life insurance policy
issued by Allstate Assurance Co., Home Office: Northbrook. IL (series ICC74AC11 or AC14-1); in New York, Allstate Life Insurance Co. of New York, Hauppauge. NY (series NYLU818). Rate quoted is
set at company's sole discretion, subject to change and to insured meeting underwriting criteria. Other face amounts, guaranteed premium terms, or underwriting classes available, but will have
different rates, which may be higher. Premium pard differs by payment mode. Medical exam may be required. Premiums are level for term period selected then increase annually to age 95. Policy
exclusions, limitations and terms may affect coverage, renewal, cancellation, termination or other contractual rights and benefits.
kffi."
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Policy number: F8-15-3-78-440
Policy effective date: July 6, 2018
Page 2 of 2
Your Insurance Coverage Checklist
We're happy to have you as an Allstate customer! This checklist outlines what's in this package and provides answers to some
basic questions, as well as any "next steps" you may need to take.
❑ What's in this package?
See the guide below for the documents that are included.
Next steps: review your Policy Declarations to confirm you
have the coverages, coverage limits, premiums and
savings that you requested and expected. Read any
Endorsements or Important Notices to learn about new
policy changes, topics of special interest, as well as
required communications. Keep all of these documents
with your other important insurance papers.
❑ Am 1 getting all the discounts I should?
Confirm with your Allstate Agent that you're benefiting
from all the discounts you're eligible to receive.
A guide to your welcome package
_.._.._.._...
❑ What about my bill?
Unless you've already paid your premium in full, we'll send
your bill separately. Next steps: please pay the minimum
amount by the due date listed on it.
You can also pay your bill online at allstate.com or by
calling 1-800-ALLSTATE (1-800-255-7828). Para
espanol, Ilamar al 1-800-979-4285. If you're enrolled in
the Allstate° Easy Pay Plan, we'll send you a statement
detailing your payment withdrawal schedule.
❑ What if I have questions?
You can either contact your Allstate Agent or call us 24/7
at 1-800-ALLSTATE (1-800-255-7828) - para espanol,
Ilamar al 1-800-979-4285 - with questions about your
coverage, or to update your coverages, limits, or
deductibles. Or visit us online at allstate.com.
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* To make it easier to see where you may have gaps in your protection, we've highlighted any coverages you do not have in the
Coverage Detail section in the enclosed Policy Declarations.
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Policy number: 815 378 442
Policy effective date: July 6, 2018
Page 1 of 1 WAllstate,
You're in good hands.
Important Notice Regarding Fire Protection
Did you know that the firefighting ability of your Fire Department helps lower your insurance
rates? It's true! The better your firefighters are equipped and trained, the better their access
to water for fighting fires, the length of time it takes for them to arrive at a fire, are a few of
the many factors that have an impact on your property insurance rates. Help your firefighters
help you! They need your support, financial and otherwise. Adequate funding is important to
improving the protection that may translate to lower premiums!
X73652
House & Home Policy Declarations
Your policy effective date is July 6, 2018
Total Premium for the Policy Period
Premium for property insured $2,278.24
Total $2,278.24
Discounts (included in your total premium)
Protective Device $106.26 Home Buyer $232.93
Early Signing $152.97 Responsible Payment $815.71
Welcome $225.82
Total discount savings $1,533.69
Insured property details*
Please review and verify the information regarding your insured property. Please
refer to the Important Notice (X73182) for additional coverage information. Contact
us if you have any changes. .
Location of property insured: 983 and 985 Lewis, Fayetteville, AR 72701
Dwelling Style:
Built in 1985; 2 families; 3000 sq. ft.; 2 stories
Foundation:
Slab at grade, 100%
Interior details:
Two builders grade kitchens
Four builders grade full baths
Exterior wall type:
100% wood siding
Interior wall partition:
100% drywall
Heating and cooling:
Average cost heat & central air
conditioning, 100%
Additional details:
Standard wood sash with glass, 100%
Two exterior wood doors
Fire protection details:
Fire department subscription - no
Roof surface material type:
Composition
-100% architectural shingles
One softwood straight staircase
Interior wall height - 8 ft, 100%
2 miles to fire department
(continued)
WA"llstate.
You're in good hands.
Page 1 of 3
Information as of June 29, 2018
Summary
Named Insured(s)
Phillip T Hoskins
Mailing address
1874 Madison 7755
Huntsville AR 72740-7151
Policy number
815 378 442
Your policy provided by
Allstate Vehicle and Property
Insurance Company
Policy period
Beginning July 6, 2018 through July 6,
2019 at 12:01 a.m. standard time
Your Allstate agency is
Darrin Taylor
188 W Main #3
Farmington AR 72730
(479) 267-5700
DARRINTAYLOR@allstate.com
Some or all of the information on your
Policy Declarations is used in the rating
of your policy or it could affect your
eligibility for certain coverages. Please
notify us immediately if you believe
that any information on your Policy
Declarations is incorrect. We will make
corrections once you have notified us,
and any resulting rate adjustments, will
be made only for the current policy
period or for future policy periods.
Please also notify us immediately if you
believe any coverages are not listed or
are inaccurately listed.
Mr I
0
House & Home Policy Declarations
Policy number: 815 378 442
Policy effective date: July 6, 2018
Insured property details* (continued)
Roof details:
:Predominant roof type: Composition Age of roof -16 years
:Roof geometry - Gable
:Reminder about your Roof Surface Coverage:
:Your policy provides coverage for your roof surface as described in the Roof Surfaces
:Endorsement, which states that we will pay for covered windstorm and/or hail damage
:to your roof surface according to the Roof Surfaces Payment Schedule included on the
:endorsement.
...................................................................................................................................................:
Mortgagee
ARVEST BANK ISAOA ATIMA MORTGAGE DIVISION
P O Box 163289, Fort Worth, TX 76161-3289
Loan number: 0775115316
Additional Interested Party - None
*This is a partial list of property details. If the interior of your property includes custom
construction, finishes, buildup, specialties or systems, please contact your Allstate
representative for a complete description of additional property details.
Coverage detail for the property insured
Coverage Limits of Liability Applicable Deductible(s)
Dwelling Protection $254,349 • $2,500 Windstorm and Hail
. $2,500 All other perils
Other Structures Protection $25,435 . $2,500 Windstorm and Hail
• $2,500 All other perils
Personal Property Protection $152,610 • $2,500 Windstorm and Hail
. $2,500 All other perils
Additional Living Expense Up to 24 months not to exceed $101,740
Family Liability Protection $300,000 each occurrence
Guest Medical Protection $5,000 each person
Building Codes Not purchased*
Excess Dwelling Not purchased*
Roof Surfaces Extended Coverage Not purchased*
Water Back -Up Not purchased*
Extended Premises Included
Page 2 of 3
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House & Home Policy Declarations
Policy number: 815 378442
Policy effective date: July 6, 2018
► Other Coverages Not Purchased.
• Additional Fire Department
Charges*
• Building Materials Theft*
• Dwelling in the Course of
Construction*
• Electronic Data Recovery*
• Extended Coverage on Cameras*
• Extended Coverage on Jewelry,
Watches and Furs*
Page 3 of 3 WAllstate,
You're in good hands.
• Extended Coverage on Musical
Instruments*
• Extended Coverage on Sports
Equipment*
• Fair Rental Income*
• Golf Cart*
• Green Improvement*
• Home Day Care*
• Identity Theft Expenses*
* This coverage can provide you with valuable protection. To help you stay current with
your insurance needs, contact your agent to discuss available coverage options and
other products and services that can help protect you.
• Increased Coverage on Business
Property*
• Increased Coverage on Theft of
Silverware*
• Loss Assessments*
• Secondary Residence*
• Select Value*
• Select Value with Roof Surfaces
Extended Coverage*
• Yard and Garden*
Scheduled Personal Property Coverage
Your policy does not include Scheduled Personal Property Coverage. This coverage can provide you with valuable protection. To
help you stay current with your insurance needs, contact your agent to discuss available coverage options and other products and
services that can help protect you.
Your policy documents
Your House & Home policy consists of the Policy Declarations, any Policy Declarations Addendum, and the following
documents. Please keep them together.
• House & Home Policy - AVP81 • Arkansas Amendatory Endorsement - AVP159-1
• Amendatory Endorsement - AP4922 Windstorm and Hail Deductible Endorsement - AVP82
• Extended Premises Endorsement - AVP19 • Roof Surfaces Endorsement - AVP247
Important payment and coverage information
Here is some additional, helpful information related to your coverage and paying your bill:
► The Property Insurance Adjustment condition applies.
► Do not pay. Mortgagee has been billed.
Allstate Vehicle and Property Insurance Company's Secretary and President have signed this policy with legal authority at
Northbrook, Illinois.
Julie Parsons
President
Susan L. Lees
Secretary
Page 1 of 22
ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY
House & Home
Policy
ARKANSAS AVP81
Policy number
815 378 442
Policyholders
Phillip T Hoskins
1874 Madison 7755
Huntsville AR 72740-7151
Policy effective
July 6, 2018
Your Allstate agency is
Darrin Taylor
188 W Main #3
Farmington AR 72730
Allstate Vehicle and Property Insurance Company
The Company Named in the Policy Declarations a
A Stock Company ---Home Office: Northbrook, Illinois 60062 0 0
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House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
Table of Contents
Agreements We Make With You....................................................................................3
General............................................................................................................................... 3
Definitions Used In This Policy........................................................................................3
InsuringAgreement...........................................................................................................4
Conformity To State Statutes..........................................................................................4
CoverageChanges..............................................................................................................4
PolicyTransfer.....................................................................................................................4
Continued Coverage After Your Death.........................................................................4
Cancellation..........................................................................................................................4
Misrepresentation, Fraud Or Concealment..................................................................4
WhatLaw Will Apply.........................................................................................................5
Where Lawsuits May Be Brought...................................................................................5
ActionAgainst Us...............................................................................................................5
Arbitration............................................................................................................................5
Section I—Your Property.........................................................................................5
Dwelling Protection -Coverage A..............................................................................5
Property We Cover Under Coverage A.........................................................................5
Property We Do Not Cover Under Coverage A ...........................................................5
Other Structures Protection -Coverage B..............................................................5
Property We Cover Under Coverage B..........................................................................5
Property We Do Not Cover Under Coverage B ...........................................................5
Losses We Cover Under Coverages A and B................................................................6
Losses We Do Not Cover Under Coverages A and B .................................................6
Personal Property Protection -Coverage C............................................................8
Property We Cover Under Coverage C..........................................................................8
Limitations On Certain Personal Property..: ................................................................. 8
Property We Do Not Cover Under Coverage C ...........................................................9
Losses We Cover Under Coverage C..............................................................................9
Losses We Do Not Cover Under Coverage C.............................................................10
Section 1 Additional Protection.................................................................................12
Additional Living Expense...............................................................................................12
Civil, Governmental And Military Authorities............................................................12
DebrisRemoval..................................................................................................................13
Emergency Removal Of Property..................................................................................13
Fire Department Charges.................................................................................................13
TemporaryRepairs After A Loss....................................................................................13
Trees, Shrubs, Plants And Lawns...................................................................................13
PowerInterruption............................................................................................................13
ArsonReward.....................................................................................................................13
Collapse................................................................................................................................13
Land......................................................................................................................................14
LockReplacement............................................................................................................14
SectionI Conditions......................................................................................................14
Deductible..........................................................................................................................14
Insurable Interest And Our Liability.............................................................................14
What You Must Do After A Loss..................................................................................14
OurSettlement Options..................................................................................................14
Page 2 of 22 ` "' l stateP
You're in good hands.
HowWe Pay For A Loss..................................................................................................14
Our Settlement Of Loss...................................................................................................16
Appraisal.............................................................................................................................16
AbandonedProperty........................................................................................................16
Permission Granted To You...........................................................................................16
Our Rights To Recover Payment...................................................................................16
Our Rights To Obtain Salvage.......................................................................................16
ActionAgainst Us.............................................................................................................16
LossTo A Pair Or Set.......................................................................................................16
GlassReplacement...........................................................................................................16
NoBenefit To Bailee........................................................................................................16
OtherInsurance.................................................................................................................16
Property Insurance Adjustment.....................................................................................17
Mortgagee...........................................................................................................................17
Mold, Fungus, Wet Rot And Dry Rot Remediation As A Direct Result Of A
CoveredWater Loss.....................................................................................................17
Section II—Family Liability And Guest Medical Protection ...............17
Family Liability Protection -Coverage X................................................................17
Losses We Cover Under Coverage X.............................................................................17
Losses We Do Not Cover Under Coverage X..............................................................17
Guest Medical Protection -Coverage Y.................................................................19
Losses We Cover Under Coverage Y...........................................................................19
Losses We Do Not Cover Under Coverage Y.............................................................19
Section 11 Additional Protection.............................................................................20
ClaimExpenses.................................................................................................................20
EmergencyFirst Aid........................................................................................................20
Damage To Property Of Others...................................................................................20
Section11 Conditions.....................................................................................................21
What You Must Do After A Loss...................................................................................21
What An Injured Person Must Do—
Guest Medical Protection -Coverage Y...................................................................21
Our Payment Of Loss—Guest Medical Protection -Coverage Y .............................21
OurLimits Of Liability.......................................................................................................21
Bankruptcy..........................................................................................................................21
Our Rights To Recover Payment—Family Liability
Protection -Coverage X................................................................................................21
ActionAgainst Us..............................................................................................................21
Other Insurance—Family Liability Protection -Coverage X ....................................22
Section 111—Optional Protection.......................................................................22
OptionalCoverages.......................................................................................................22
Building Codes -Coverage BC.........................................................................................22
Increased Coverage On Business Property -Coverage BP......................................22
Fire Department Charges -Coverage F.........................................................................22
LossAssessments -Coverage G.....................................................................................22
Extended Coverage On Jewelry, Watches And Furs -Coverage J .........................22
Increased Coverage On Theft Of Silverware -Coverage ST....................................22
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
Agreements We Make With You
We make the following agreements with you:
General
Definitions Used In This Policy
Throughout this policy, when the following words appear in bold type, they
are defined as follows:
1. Bodily injury—means physical harm to the body, including sickness or
disease, and resulting death, except that bodily injury does not include:
a) any venereal disease;
b) herpes;
c) Acquired Immune Deficiency Syndrome (AIDS);
d) AIDS Related Complex (ARC);
e) Human Immunodeficiency Virus (HIV);
or any resulting symptom, effect, condition, disease or illness related to
a) through e) listed above.
In addition, bodily injury does not include any symptom, effect,
condition, disease or illness resulting in any manner from:
a) lead in any form;
b) asbestos in any form;
c) radon in any form; or
d) oil, fuel oil, kerosene, liquid propane or gasoline intended for, or
from, a storage tank located at the residence premises.
2. Building structure—means a structure with walls and a roof.
3. Business—means:
a) any full- or part-time activity of any kind engaged in for economic
gain including the use of any part of any premises for such
purposes. The providing of home day care services to other than an
insured person or relative of an insured person for economic
gain is also a business.
However, the mutual exchange of home day care services is not
considered a business;
b) the rental or holding for rental of property by an insured person.
Rental of your residence premises is not considered a business
when:
1) it is rented occasionally for residential purposes;
2) a portion is rented to roomers or boarders, provided not more
than two roomers or boarders reside on the residence
premises at any one time; or
3) a portion is rented as a private garage.
4. Dwelling—means the single-family building structure, identified as the
insured property on the Policy Declarations, where you reside and which
is principally used as a private residence.
S. Insured persons)—means you and, if a resident of your household:
a) any relative; and
b) any person under the age of 21 in your care.
Page 3 of 22
Under Family Liability Protection -Coverage X and Guest Medical
Protection -Coverage Y, "insured person" also means:
a) any person or organization legally responsible for loss caused by
animals or watercraft covered by this policy which are owned by an
insured person. We do not cover any person or organization using
or having custody of animals or watercraft in any business, or
without permission of the owner.
b) with respect to the use of any vehicle covered by this policy, any
person while engaged in the employment of an insured person.
6. Insured premises—means:
a) the residence premises; and
b) under Section II only:
1) the part of any other premises, other structures and grounds
used by you as a residence. This includes premises, structures
and grounds you acquire for your use as a private residence
while this policy is in effect;
2) any part of a premises not owned by an insured person but
where an insured person is temporarily living;
3) cemetery plots or burial vaults owned by an insured person;
4) land owned by or rented to an insured person where a
single-family dwelling is being built as that person's
residence;
5) any premises used by an insured person in connection with
the residence premises; and
6) any part of a premises occasionally rented to an insured
person for other than business purposes.
7. Occurrence—means an accident, including continuous or repeated
exposure to substantially the same general harmful conditions during the
policy period, resulting in bodily injury or property damage.
8. Property damage—means physical injury to or destruction of tangible
property, including loss of its use resulting from such physical injury or
destruction.
9. Residence employee—means an employee of an insured person while
performing duties arising out of and in the course of employment in
connection with the maintenance or use of your residence premises.
This includes similar duties performed elsewhere for an insured person,
not in connection with the business of an insured person.
10. Residence premises—means the dwelling, other structures and land
located at the address stated on the Policy Declarations.
11. Roof surface—means the roof surface material type (slate, composition,
wood, tile, metal, all other roof surface material types) of a building
structure or other structure covered under Dwelling Protection -
Coverage A or Other Structures Protection -Coverage B and all other
roofing components, including, but not limited to:
a) . flashing, caps, vents, drip edges, and ice shields;
b) sheeting, felt and membranes;
c) modified bitumen, bitumen, rubber, built-up and sprayed
polyurethane foam roofing;
d) foam inserts and elastomeric coating;
House & Home Policy
Policy number:815 378 442
Policy effective date: July 6, 2018
e) finials, eave and gable trim and snow guards;
f) battens, counter battens, bird stops, gravel stops; and
g) coatings, adhesives, adherents and other finishing materials for
roof surface materials and all other roofing components.
12. We, us, or our—means the company named on the Policy Declarations.
13. Windstorm—means wind with or without precipitation.
14. You or your—means the person listed under Named Insured(s) on the
Policy Declarations as the insured and that person's resident spouse.
Insuring Agreement
In reliance on the information you have given us, we agree to provide the
coverages indicated on the Policy Declarations. In return, you must pay the
premium when due and comply with the policy terms and conditions, and
inform us of any change in title, use or occupancy of the residence premises.
Subject to the terms of this policy, the Policy Declarations shows the location
of the residence premises, applicable coverages, limits of liability and
premiums. The policy applies only to losses or occurrences that take place
during the policy period. The Policy Period is shown on the Policy
Declarations. This policy is not complete without the Policy Declarations.
This policy imposes joint obligations on the Named Insured(s) listed on the
Policy Declarations and on that person's resident spouse. These persons are
defined as you or your. This means that the responsibilities, acts and
omissions of a person defined as you or your will be binding upon any other
person defined as you or your.
This policy imposes joint obligations on persons defined as an insured
person. This means that the responsibilities, acts and failures to act of a
person defined as an insured person will be binding upon another person
defined as an insured person.
Conformity To State Statutes
When the policy provisions conflict with the statutes of the state in which the
residence premises is located, the provisions are amended to conform to
such statutes.
Coverage Changes
When we broaden coverage during the policy period without charge, you
have the new features if you have the coverage to which they apply.
Otherwise, the policy can be changed only by endorsement.
The coverage provided and the premium for the policy are based on
information you have given us. You agree to cooperate with us in
determining if this information is correct and complete. You agree that if this
information changes, or if this information is incorrect or incomplete, we may
adjust your coverage and premium accordingly during the policy period.
Any calculation of your premium or changes in your coverage will be made
using the rules, rates and forms on file, if required, for our use in your state.
The rates in effect at the beginning of your current policy period will be used
to calculate any change in your premium.
Policy Transfer
You may not transfer this policy to another person without our written
consent.
Page 4 of 22 WAll to ir9rm, D
You're in good hands.
Continued Coverage After Your Death
If you die, coverage will continue until the end of the current policy period for:
1. your legal representative while acting as such, but only with respect to
the residence premises and property covered under this policy on the
date of your death.
2. an insured person, and any person having proper temporary custody of
your property until a legal representative is appointed and qualified.
Cancellation
Your Right to Cancel:
You may cancel this policy by notifying us of the future date you wish to stop
coverage.
Our Right to Cancel:
We may cancel this policy by mailing notice to you at the mailing address
shown on the Policy Declarations. When this policy has been in effect for less
than 60 days, and it is not a renewal with us, we may cancel this policy for any
reason by giving you at least 10 days notice before the cancellation takes
effect.
When the policy has been in effect for 60 days or more, or if it is a renewal
with us, we may cancel this policy for one or more of the following reasons:
1. nonpayment of premium;
2. the policy was obtained by misrepresentation, fraud or concealment of
material facts;
3. material misrepresentation, fraud or concealment of material facts in
presenting a claim, or violation of any of the policy terms; or
4. there has been a substantial change or increase in hazard in the risk we
originally accepted.
If the cancellation is for nonpayment of premium, we will give you at least 10
days notice. If the cancellation is for any of the other reasons, we will give you
at least 30 days notice.
Our mailing the notice of cancellation to you will be deemed proof of notice.
Coverage under this policy will terminate on the effective date and hour
stated on the cancellation notice. Your return premium, if any, will be
calculated on a pro rata basis and refunded at the time of cancellation or as
soon as possible. However, refund of unearned premium is not a condition of
cancellation.
Our Right Not to Renew or Continue:
We have the right not to renew or continue the policy beyond the current
policy period. If we do not intend to continue or renew the policy, we will mail
you notice at least 30 days before the end of the policy period. Our mailing
the notice of nonrenewal to you will be deemed proof of notice.
Misrepresentation, Fraud Or Concealment
We may void this policy if it was obtained by misrepresentation, fraud or
concealment of material facts. If we determine that this policy is void, all
premiums paid will be returned to you since there has been no coverage
under this policy.
We do not cover any loss or occurrence in which any insured person has
concealed or misrepresented any material fact or circumstance.
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
What Law Will Apply
This policy is issued in accordance with the laws of the state in which the
residence premises is located and covers property or risks principally located
in that state. Subject to the following paragraph, the laws of the state in which
the residence premises is located shall govern any and all claims or disputes
in any way related to this policy.
If a covered loss to property, or any other occurrence for which coverage
applies under this policy, happens outside the state in which the residence
premises is located, claims or disputes regarding that covered loss to
property, or other covered occurrence, may be governed by the laws of the
jurisdiction in which that covered loss to property or other covered
occurrence happened, only if the laws of that jurisdiction would apply in the
absence of a contractual choice of law provision such as this.
Where Lawsuits May Be Brought
Subject to the following two paragraphs, any and all lawsuits in any way
related to this policy, shall be brought, heard and decided only in a state or
federal court located in the state in which the residence premises is located.
Any and all lawsuits against persons not parties to this policy but involved in
the sale, administration, performance, or alleged breach of this policy, or
otherwise related to this policy, shall be brought, heard and decided only in a
state or federal court located in the state in which the residence premises is
located, provided that such persons are subject to or consent to suit in the
courts specified in this paragraph.
If a covered loss to property, or any other occurrence for which coverage
applies under this policy, happens outside the state in which the residence
premises is located, lawsuits regarding that covered loss to property, or other
covered occurrence, may also be brought in the judicial district where that
covered loss to property or other covered occurrence happened.
Nothing in this provision, Where Lawsuits May Be Brought, shall impair any
party's right to remove a state court lawsuit to a federal court.
Action Against Us
No one may bring an action against us unless there has been full compliance
with all policy terms.
Any action against us to which neither the Action Against Us provision
located in Section I Conditions nor the Action Against Us provision located
in Section II Conditions applies must be commenced within one year of the
date the cause of action accrues.
If an action is brought asserting claims relating to the existence or amount of
coverage, or the amount of loss for which coverage is sought, under different
coverages of this policy, the claims relating to each coverage shall be treated
as if they were separate actions for the purpose of the time limit to commence
action.
Arbitration
Any claim or dispute in any way related to this policy, by an insured person
against us or us against an insured person, may be resolved by arbitration
only upon mutual consent of the parties. Arbitration pursuant to this provision
shall be subject to the following:
Page 5 of 22
1. no arbitrator shall have the authority to award punitive damages or
attorney's fees;
2. neither of the parties shall be entitled to arbitrate any claims or disputes
in a representative capacity or as a member of a class; and
3. no arbitrator shall have the authority, without the mutual consent of the
parties, to consolidate claims or disputes in arbitration.
Section I—Your Property
Dwelling Protection -Coverage A
Property We Cover Under Coverage A:
1. Your dwelling, including attached structures. Structures connected to
your dwelling by only a fence, utility line, or similar connection are not
considered attached structures.
2. Construction materials and supplies at the residence premises for use
in connection with your dwelling.
3. Wall-to-wall carpeting fastened to your dwelling.
Property We Do Not Cover Under Coverage A:
1. Any structure, including fences, or other property covered under Other
Structures Protection -Coverage B.
2. Land.
3. Satellite dish antennas and their systems, whether or not attached to
your dwelling.
Other Structures Protection -Coverage B
Property We Cover Under Coverage B:
1. Structures at the address shown on the Policy Declarations separated
from your dwelling by clear space.
2. Structures at the address shown on the Policy Declarations connected to
your dwelling by only a fence, utility line, or similar connection.
3. Construction materials and supplies at the residence premises for use
in connection with structures other than your dwelling.
4. Wall-to-wall carpeting fastened to building structures, other than your
dwelling, at the address shown on the Policy Declarations.
Property We Do Not Cover Under Coverage B:
1. Structures used in whole or in part for business purposes.
2. Any structure or other property covered under Dwelling Protection -
Coverage A.
3. Land.
4. Construction materials and supplies at the residence premises for use
in connection with the dwelling.
5. Satellite dish antennas and their systems, whether or not attached to
building structures.
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
Losses We Cover Under Coverages A and B:
We will cover sudden and accidental direct physical loss to property
described in Dwelling Protection -Coverage A and Other Structures
Protection -Coverage B except as limited or excluded in this policy.
Losses We Do Not Cover Under Coverages A and B:
A. Under Dwelling Protection -Coverage A and Other Structures
Protection -Coverage B of this policy, we do not cover any loss which
consists of, is caused by, or would not have occurred but for, one or
more of the following excluded events, perils or conditions. Such loss is
excluded regardless of: a) the cause or source of the excluded event,
peril or condition; b) any other causes contributing concurrently or in
any sequence with the excluded event, peril or condition to produce the
loss; or c) whether the excluded event, peril or condition involves
isolated or widespread damage, arises from natural, man-made or other
forces, or arises as a result of any combination of these forces.
1. Flood, including, but not limited to, surface water, waves, tidal
water or overflow of any body of water, or spray from any of these,
whether or not driven by wind.
2. Water or any other substance that backs up through sewers or
drains.
3. Water or any other substance that overflows from a sump pump,
sump pump well or other system designed for the removal of
subsurface water which is drained from a foundation area of a
structure.
4. Water or any other substance on or below the surface of the
ground. This includes water or any other substance which exerts
pressure on, or flows, seeps or leaks through any part of the
residence premises.
We do cover sudden and accidental direct physical loss caused by fire or
explosion resulting from items 1 through 4listed above.
5. Earth movement of any type, including, but not limited to,
earthquake, volcanic eruption, lava flow, landslide, subsidence,
mudf low, pressure, sinkhole, erosion, or the sinking, rising, shifting,
creeping, expanding, bulging, cracking, settling or contracting of
the earth. This exclusion applies whether or not the earth
movement is combined with water.
We do cover sudden and accidental direct physical loss caused by
fire or explosion resulting from earth movement.
6. Actions taken by civil, governmental or military authorities:
a) to enforce any building codes, ordinances or laws regulating
or requiring the construction, reconstruction, maintenance,
replacement, repair, placement or demolition of any building
structure, other structure or land at the residence
premises; or
b) requesting, demanding or ordering that an insured person
test for, monitor, clean up, remove, contain, treat, detoxify,
decontaminate, or neutralize, or in any way respond to or
assess the effects of, any loss or potential loss at the
residence premises.
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You're in good hands.
However, we will cover sudden and accidental direct physical loss
caused by actions of civil, governmental or military authority to
prevent the spread of fire.
7. Nuclear hazard, meaning nuclear reaction, discharge, radiation or
radioactive contamination, or any consequence of any of these.
Loss which consists of, is caused by, or would not have occurred
but for, the nuclear hazard is not considered loss by fire, explosion
or smoke.
8. a) War, whether declared or undeclared;
b) warlike acts;
c) invasion;
d) insurrection;
e) rebellion;
f) revolution;
g) civil war;
h) usurped power;
i) destruction for a military purpose; or
j) action taken by civil, governmental or military authority to
hinder or defend against an actual or impending enemy act.
9. Soil conditions, including, but not limited to, corrosive action,
chemicals, compounds, elements, suspensions, crystal formations
or gels in the soil.
10. Vapors, fumes, smoke,.smog, soot, alkalis, acids, toxic chemicals,
toxic gasses, toxic liquids, toxic solids, waste materials, or other
irritants, contaminants or pollutants.
However, we will not apply this exclusion to sudden and accidental
direct physical loss which consists of, is caused by, or would not
have occurred but for:
a) a fire or an explosion at your residence premises;
b) smoke or soot resulting from food preparation at your
residence premises;
c) the malfunction of a heating or air conditioning system or a
household appliance at your residence premises;
d) smoke, soot or fumes originating away from your residence
premises, provided the smoke, soot or fumes:
1) were not from industrial, governmental or military
operations, agricultural smudging, or the manufacturing
of any controlled substance; and
2) did not result from nuclear hazard, meaning nuclear
reaction, discharge, radiation or radioactive
contamination, or any consequence of any of these;
e) spray, overspray, spatter, or spillage, by a person located on
the ground at the residence premises or in or upon a
structure we cover at the residence premises, of lawfully
possessed, commercially available supplies manufactured or
produced for use in food preparation, personal hygiene, or for
cleaning or maintaining a residential property or personal
property;
f) spray, overspray, spatter or spillage of lawfully possessed,
commercially available supplies by a person performing
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
cleaning or other maintenance services at a premises located
within 500 feet of the residence premises;
g) spillage or release at your residence premises of gas or oil,
in any form, used to prepare foods at your residence
premises, or to heat the dwelling or other building
structures at your residence premises, when such spillage
or release results in a fire or an explosion at your residence
premises; or
h) fuel, oil or other fluids necessary to operate a motorized land
vehicle if, at the time of the loss, such fuel, oil or other fluids
are being used solely for the purpose of operating a
motorized land vehicle and the loss results from a collision, at
the residence premises, of the motorized land vehicle with
property we cover under Dwelling Protection -Coverage A
or Other Structures Protection -Coverage B.
11. Lack of utility services at the residence premises, meaning loss or
interruption of, lack or loss of access to, or unavailability of, one or
more utility services for the residence premises, including, but
not limited to, electric, natural gas or other fuels, water, sanitation,
sewer, cable or communication services, unless the lack of utility
services results solely from a sudden and accidental direct physical
loss to property located at the residence premises caused by an
event, peril or condition not excluded by this policy.
When the lack of utility services results in freezing of:
a) plumbing, automatic fire protective sprinkler systems, heating
or air conditioning systems;
b) household appliances; or
c) swimming pools, hot tubs or spas located within a heated
portion of the dwelling, or their filtration and circulation
systems located within a heated portion of the dwelling;
or when the lack of utility services results in discharge, leakage or
overflow from within a), b) or c) above caused by freezing, we do
cover sudden and accidental direct physical loss caused by the
freezing if you used reasonable care to maintain heat in the
building structure. If the building structure is not equipped with
an automatic fire protective sprinkler system, you may elect to
shut off the water supply and drain the water from the systems,
appliances, swimming pools, hot tubs, spas and their filtration and
circulation systems instead of maintaining heat in the building
structure.
12. Inability of an insured person to use, access or remain at the
residence premises due to an actual, impending or expected lack,
impassability or unavailability of any reasonable means of ingress
to or egress from the residence premises, including, but not
limited to, roads, highways, causeways, sidewalks, paths, rails,
bridges, tunnels or waterways.
For purposes of this exclusion, a particular means of ingress or
egress will be considered impassable or unavailable if:
Page 7 of 22
a) it cannot be safely traveled due to physical damage or
destruction of that means of ingress or egress; or
b) it cannot be traveled due to actions by others, including, but
not limited to, civil, governmental or military authorities
which prohibit or restrict travel using that means of ingress or
egress.
13. Seizure, confiscation or quarantine by civil, governmental or
military authority.
We will cover sudden and accidental direct physical loss caused by
actions of civil, governmental or military authority to prevent the
spread of fire.
14. The manufacturing of any controlled substance.
15. Weather Conditions that contribute in any way with an event, peril
or condition excluded under losses We Do Not Cover Under
Coverages A and B to produce a loss.
B. Under Dwelling Protection -Coverage A and Other Structures
Protection -Coverage B of this policy, we do not cover any loss
consisting of or caused by mold, fungus, wet rot, dry rot or bacteria. This
includes any loss which, in whole or in part, arises out of, is aggravated
by or results from mold, fungus, wet rot, dry rot or bacteria.
This exclusion applies regardless of whether mold, fungus, wet rot, dry
rot or bacteria arises from any other cause of loss, including, but not
limited to, a loss involving water, water damage or discharge, which
may otherwise be covered by this policy, except as specifically provided
in Section 1 Conditions, Mold, Fungus, Wet Rot And Dry Rot
Remediation As A Direct Result Of A Covered Water Loss.
C. When loss is not excluded under paragraph A or paragraph B of Losses
We Do Not Cover Under Coverages A and B, and there are two or
more causes of loss to the covered property, we do not cover the loss if
the predominant cause(s) of loss is (are) excluded under paragraph D,
immediately below.
D. Under Dwelling Protection -Coverage A and Other Structures
Protection -Coverage B of this policy, we do not cover any loss
consisting of or caused by one or more of the following excluded events,
perils or conditions. Such loss is excluded regardless of whether the
excluded event, peril or condition involves isolated or widespread
damage, arises from natural, man-made or other forces, or arises as a
result of any combination of these forces.
1. The failure by any insured person to take all reasonable steps to
save and preserve property when the property is endangered by a
cause of loss we cover.
2. Any substantial change or increase in hazard, if changed or
increased by any means within the control or knowledge of an
insured person.
3. Intentional or criminal acts of or at the direction of any insured
person, if the loss that occurs:
a) may be reasonably expected to result from such acts; or
b) is the intended result of such acts.
House & Home Policy
Policy number:
Policy effective date:
Julmyy 6, 2018 378 442 Page 8 of 22 Am � 1
1 state.
You're in good hands.
This exclusion applies regardless of whether the insured person is
actually charged with, or convicted of, a crime.
4. Collapse, except as specifically provided in Section I Additional
Protection under item 10, "Collapse."
5. a) Wear and tear, aging, marring, scratching, deterioration,
inherent vice, or latent defect;
b) mechanical breakdown;
c) growth of trees, shrubs, plants or lawns, regardless of
whether such growth is above or below the surface of the
ground;
d) rust or other corrosion;
e) settling, cracking, shrinking, bulging or expansion of
pavements, patios, foundations, walls, floors, roofs or ceilings;
or
f) insects, rodents, birds or domestic animals. We do cover the
breakage of glass or safety glazing materials caused by birds.
If any of a) through f) causes the sudden and accidental escape of
water or steam from a plumbing, heating or air conditioning
system, a household appliance or an automatic fire protective
sprinkler system within your dwelling, we cover the direct
physical damage caused by the water or steam.
If loss to covered property is caused by water or steam not
otherwise excluded, we will cover the cost of tearing out and
replacing any part of your dwelling necessary to repair the system
or appliance. This does not include damage to the defective system
or appliance from which the water or steam escaped.
6. Freezing of:
a) plumbing, automatic fire protective sprinkler systems, heating
or air conditioning systems;
b) household appliances; or
c) swimming pools, hot tubs or spas located within a heated
portion of the dwelling, or their filtration and circulation
systems located within a heated portion of the dwelling;
or discharge, leakage or overflow from within a), b) or c) above,
caused by freezing, while the building structure is vacant,
unoccupied or being constructed, unless you have used reasonable
care to maintain heat in the building structure. If the building
structure is not equipped with an automatic fire protective
sprinkler system, you may elect to shut off the water supply and
drain the water from the systems, appliances, swimming pools, hot
tubs, spas and their filtration and circulation systems instead of
maintaining heat in the building structure.
7. Freezing, thawing, pressure or weight of water, snow or ice,
whether or not driven by wind. This exclusion applies to fences,
pavements, patios, foundations, retaining walls, bulkheads, piers,
wharves and docks. This exclusion also applies to swimming pools,
hot tubs, spas, and their filtration and circulation systems, which
are not located within a heated portion of the dwelling.
8. Seepage, meaning continuous or repeated seepage or leakage over
a period of weeks, months, or years, of water, steam or fuel:
a) from a plumbing, heating, air conditioning or automatic fire
protective sprinkler system or from within a domestic
appliance; or
b) from, within or around any plumbing fixtures, including, but
not limited to, shower stalls, shower baths, tub installations,
sinks or other fixtures designed for the use of water or steam.
9. Theft from your residence premises while your dwelling is under
construction, or of materials and supplies for use in construction,
until your dwelling is completed and occupied.
10. Vandalism or malicious mischief if your dwelling is vacant or
unoccupied for more than 30 consecutive days immediately prior
to the vandalism or malicious mischief. A dwelling under
construction is not considered vacant or unoccupied.
11. Planning, Construction or Maintenance, meaning faulty, inadequate
or defective:
a) planning, zoning, development, surveying, siting;
b) design, specifications, workmanship, repair, construction,
renovation, remodeling, grading, compaction;
c) materials used in repair, construction, renovation or
remodeling; or
d) maintenance;
of property whether on or off the residence premises by any
person or organization.
Personal Property Protection -Coverage C
Property We Cover Under Coverage C:
1. Personal property owned or used by an insured person anywhere in the
world. When personal property is located away from the residence
premises, coverage is limited to 10% of Personal Property
Protection -Coverage C.
2. At your option, personal property owned by a guest or residence
employee while the property is in a residence you are occupying.
Limitations On Certain Personal Property:
Limitations apply to the following groups of personal property. If personal
property can reasonably be considered a part of two or more of the groups
listed below, the lowest limit will apply. These limitations do not increase the
amount of insurance under Personal Property Protection -Coverage C. The
total amount of coverage for each group in any one loss is as follows:
1. $ 200 — Property used or intended for use in a business while
the property is away from the residence premises. This
does not include electronic data processing equipment
or the recording or storage media used with that
equipment.
2. $ 500 — Theft of any recording or storage media while such
property is away from the residence premises, whether
or not it is used with electronic data processing
House & Home Policy
Policy number: F8-15-3-7-84-421
Policy effective date: July 6, 2018
equipment or in a business. Recording or storage media
includes, but is not limited to:
a) tapes;
b) CDs, DVDs and other discs;
c) records;
d) disks;
e) reels;
0 cassettes;
g) cartridges; or
h) programs.
3. $ 1,000 — Property used or intended for use in a business,
including property held as samples or for sale or delivery
after sale, while the property is on the residence
premises. This does not include electronic data
processing equipment or the recording or storage media
used with that equipment.
4. $ 1,000 — Trading cards, subject to a maximum amount of $250
per card.
5. $ 1,000 — Watercraft, including their attached or unattached
trailers, furnishings, equipment, parts, and motors.
6. $ 1,000 — Trailers not used with watercraft.
7. $ 1,500 — Motorized land vehicle parts, equipment or accessories
not attached to or located in or upon any motorized land
vehicle.
8. $ 2,000 — Theft of firearms, their related equipment, and
accessories.
9. $ 2,500 — Theft of goldware, silverware, pewterware and
platinumware.
10. $ 5,000 — Theft of jewelry, watches, precious and semi-precious
stones, gold other than goldware, silver other than
silverware, pewter other than pewterware, platinum
other than platinumware, and furs, including any item
containing fur which represents its principal value,
subject to a maximum amount of $1,000 per item.
11. $ 10,000 — Theft of tools and their accessories.
12. $ 10,000 — Motorized land vehicles used solely for the service of
the insured premises and not licensed for use on public
roads. This does not include motorized land vehicles
designed for assisting the disabled and not licensed for
use on public roads.
Property We Do Not Cover Under Coverage C:
1. Personal property specifically described and insured by this or any other
insurance.
Page 9 of 22
2. Animals.
3. Motorized land vehicles, including, but not limited to, any land vehicle
powered or assisted by a motor or engine. We do not cover any
motorized land vehicle parts, equipment or accessories attached to or
located in or upon any motorized land vehicle. We do cover motorized
land vehicles designed for assisting the disabled, or used solely for the
service of the insured premises, and not licensed for use on public
roads.
4. Aircraft and aircraft parts. This does not include model or hobby craft
not designed to carry people or cargo.
S. Property of roomers, boarders or tenants not related to you.
6. Property located away from the residence premises and rented or held
for rental to others.
7. Satellite dish antennas and their systems.
8. Money, bullion, bank notes, coins and other numismatic property, scrip,
stored value cards, and smart cards.
9. Accounts, bills, deeds, evidences of debt, letters of credit, notes other
than bank notes, checks, cashier's checks, traveler's checks, passports,
securities, tickets, and stamps, including philatelic property.
10. Manuscripts, including documents stored on electronic media.
Losses We Cover Under Coverage C:
We will cover sudden and accidental direct physical loss to the property
described in Personal Property Protection -Coverage C caused by the
following, except as limited or excluded in this policy:
1. Fire or lightning.
2. Windstorm or hail.
We do not cover:
a) loss to covered property inside a building structure, caused by
rain, snow, sleet, sand or dust unless the wind or hail first damages
the roof or walls and the wind forces rain, snow, sleet, sand or dust
through the damaged roof or wall;
b) loss to watercraft and their trailers, furnishings, equipment and
motors unless inside a fully enclosed building structure. However,
we do cover canoes and rowboats on the residence premises.
3. Explosion.
4. Riot or civil commotion, including pillage and looting during, and at the
site of, the riot or civil commotion.
5. Aircraft, including self-propelled missiles and spacecraft.
6. Vehicles.
7. Smoke.
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
8. Vandalism and malicious mischief.
We do not cover vandalism or malicious mischief if your dwelling has
been vacant or unoccupied for more than 30 consecutive days
immediately prior to the vandalism or malicious mischief. A dwelling
under construction is not considered vacant or unoccupied.
9. Falling objects.
We do not cover loss to personal property inside a building structure
unless the falling object first damages the exterior walls or roof of the
building structure.
10. Weight of ice, snow or sleet which causes damage to personal property
in a building structure, but only if the building structure is damaged
due to the weight of ice, snow or sleet.
11. Artificially generated electrical current to electronics, electrical
appliances, fixtures and wiring.
12. Bulging, burning, cracking or rupture of a steam or hot water heating
system, an air conditioning system, an automatic fire protective sprinkler
system or an appliance for heating water.
13. Water or steam that escapes from a plumbing, heating or air
conditioning system, an automatic fire protective sprinkler system, or
from a household appliance due to accidental discharge or overflow.
We do not cover loss to the system or appliance from which the water or
steam escapes, or loss from water which backs up through sewers or
drains or overflows from a sump pump, sump pump well or other system
designed for the removal of subsurface water which is drained from a
foundation area of a structure.
14. Freezing of a plumbing, heating or air conditioning system, an automatic
fire protective sprinkler system or a household appliance.
We do not cover loss at the residence premises under items 12,13, and
14, immediately above, which is caused by freezing while the building
structure is vacant, unoccupied or under construction, or when freezing
results from a lack of utility services at the residence premises to which
item A.10 in losses We Do Not Cover Under Coverage C applies,
unless you have used reasonable care to maintain heat in the building
structure. If the building structure is not equipped with an automatic
fire protective sprinkler system, you may elect to shut off the water
supply and drain the water from the systems and appliances instead of
maintaining heat in the building structure.
15. Theft, or attempted theft, including disappearance of property from a
known place when it is likely that a theft has occurred. Any theft must be
promptly reported to the police.
We do not cover:
a) theft or attempted theft committed by an insured person;
b) theft in or from the residence premises while under construction
or of materials and supplies for use in construction, until the
dwelling is completed and occupied;
Page 10 of 22Q
) An I I s'"t ca t e.
You're in good hands.
c) theft of any property while at any other residence owned, rented to
or occupied by an insured person unless the insured person is
temporarily residing there;
d) theft of trailers, campers, watercraft, including furnishings,
equipment and outboard motors, away from the residence
premises; or
e) theft from that part of the residence premises rented by you to
other than an insured person.
16. Breakage of glass, meaning damage to covered personal property caused
by breakage of glass constituting a part of any building structure on
the residence premises. This does not include damage to the glass.
Losses We Do Not Cover Under Coverage C:
Under Personal Property Protection -Coverage C of this policy, we do
not cover any loss which consists of, is caused by, or would not have
occurred but for, one or more of the following excluded events, perils or
conditions. Such loss is excluded regardless of: a) the cause or source of
the excluded event, peril or condition; b) any other causes contributing
concurrently or in any sequence with the excluded event, peril or
condition to produce the loss; or c) whether the excluded event, peril or
condition involves isolated or widespread damage, arises from natural,
man-made or other forces, or arises as a result of any combination of
these forces.
1. Flood, including, but not limited to, surface water, waves, tidal
water or overflow of any body of water, or spray from any of these,
whether or not driven by wind.
2. Water or any other substance that backs up through sewers or
drains.
3. Water or any other substance that overflows from a sump pump,
sump pump well or other system designed for the removal of
subsurface water which is drained from a foundation area of a
structure.
4. Water or any other substance on or below the surface of the
ground. This includes water or any other substance which exerts
pressure on, or flows, seeps or leaks through any part of the
residence premises.
We do cover sudden and accidental direct physical loss caused by fire or
explosion resulting from items 1 through 4 listed above.
5. Earth movement of any type, including, but not limited to,
earthquake, volcanic eruption, lava flow, landslide, subsidence,
mudflow, pressure, sinkhole, erosion, or the sinking, rising, shifting,
creeping, expanding, bulging, cracking, settling or contracting of
the earth. This exclusion applies whether or not the earth
movement is combined with water.
We do cover sudden and accidental direct physical loss caused by
fire or explosion resulting from earth movement.
6. Actions taken by civil, governmental or military authorities:
a) to enforce any building codes, ordinances or laws regulating
or requiring the construction, reconstruction, maintenance,
y��
House & Home Policy
Page 11 of 22
Policy number: 815 378-4 42
Policy effective date: July 6, 2018
replacement, repair, placement or demolition of any building
possessed, commercially available supplies manufactured or
structure, other structure or land at the residence
produced for use in food preparation, personal hygiene, or for
premises; or
cleaning or maintaining a residential property or personal
b) requesting, demanding or ordering that an insured person
property;
test for, monitor, clean up, remove, contain, treat, detoxify,
f) spillage or release at your residence premises of gas or oil,
decontaminate, or neutralize, or in any way respond to or
in any form, used to prepare foods at your residence
assess the effects of, any loss or potential loss at the
premises, or to heat the dwelling or other building
residence premises.
structures at your residence premises, when such spillage
However, we will cover sudden and accidental direct physical loss
or release results in a fire or an explosion at your residence
caused by actions of civil, governmental or military authority to
premises; or
g) fuel, oil or other fluids necessary to operate a motorized land
prevent the spread of fire.
vehicle if, at the time of the loss, such fuel, oil or other fluids
7. Nuclear hazard, meaning nuclear reaction, discharge, radiation or
are being used solely for the purpose of operating a
radioactive contamination, or any consequence of any of these.
motorized land vehicle and the loss results from a collision, at
Loss which consists of, is caused by, or would not have occurred
the residence premises, of the motorized land vehicle with
but for, the nuclear hazard is not considered loss by fire, explosion
property we cover under Dwelling Protection -Coverage A
or smoke.
or Other Structures Protection -Coverage B.
8. a) War, whether declared or undeclared;
10. Lack of utility services at the residence premises, meaning loss or
b) warlike acts;
interruption of, lack or loss of access to, or unavailability of, one or
c) invasion;
more utility services for the residence premises, including, but
d) insurrection;
not limited to, electric, natural gas or other fuels, water, sanitation,
e) rebellion;
sewer, cable or communication services, unless the lack of utility
f) revolution;
services results solely from a sudden and accidental direct physical
g) civil war;
loss to property located at the residence premises caused by an
h) usurped power;
event, peril or condition not excluded by this policy.
i) destruction for a military purpose; or
When the lack of utility services results in freezing of:
j) action taken by civil, governmental or military authority to
a) plumbing, automatic fire protective sprinkler system, heating
hinder or defend against an actual or impending enemy act.
or air conditioning systems; or
9. Vapors, fumes, smoke, smog, soot, alkalis, acids, toxic chemicals,
b) household appliances;
toxic gasses, toxic liquids, toxic solids, waste materials, or other
or when the lack of utility services results in discharge, leakage or
irritants, contaminants or pollutants.
overflow from within a) or b) above caused by freezing, we do
However, we will not apply this exclusion to sudden and accidental
cover sudden and accidental direct physical loss caused by the
direct physical loss which consists of, is caused by, or would not
freezing if you used reasonable care to maintain heat in the
have occurred but for:
building structure. If the building structure is not equipped with
a) a fire or an explosion at your residence premises;
an automatic fire protective sprinkler system, you may elect to
b) smoke or soot resulting from food preparation at your
shut off the water supply and drain the water from the systems and
residence premises;
appliances instead of maintaining heat in the building structure.
c) the malfunction of a heating or air conditioning system or a
11. Inability of an insured person to use, access or retain personal
household appliance at your residence premises;
property we cover under Personal Property Protection -
d) smoke, soot or fumes originating away from your residence
Coverage C due to an actual, impending or expected lack,
premises, provided the smoke, soot or fumes:
impassability or unavailability of any reasonable means of ingress
1) were not from industrial, governmental or military
to or egress from the residence premises or any other location
operations, agricultural smudging, or the manufacturing
where the property is located, including, but not limited to, roads,
of any controlled substance; and
2) did not result from nuclear hazard, meaning nuclear
highways, causeways, sidewalks, paths, rails, bridges, tunnels or
reaction, discharge, radiation or radioactive
waterways.
contamination, or any consequence of any of these;
For purposes of this exclusion, a particular means of ingress or
e) spray, overspray, spatter, or spillage, by a person located on
egress will be considered impassable or unavailable if:
the ground at the residence premises or in or upon a
a) it cannot be safely traveled due to physical damage or
structure we cover at the residence premises, of lawfully
destruction of that means of ingress or egress; or
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
b) it cannot be traveled due to actions by others, including, but
not limited to, civil, governmental or military authorities
which prohibit or restrict travel using that means of ingress or
egress.
12. Weather Conditions that contribute in any way with an event, peril
or condition excluded under Losses We Do Not Cover Under
Coverage C to produce a loss.
B. Under Personal Property Protection -Coverage C of this policy, we do
not cover any loss consisting of or caused by mold, fungus, wet rot, dry
rot or bacteria. This includes any loss which, in whole or in part, arises
out of, is aggravated by or results from mold, fungus, wet rot, dry rot or
bacteria.
This exclusion applies regardless of whether mold, fungus, wet rot, dry
rot or bacteria arises from any other cause of loss, including, but not
limited to, a loss involving water, water damage or discharge, which
may otherwise be covered by this policy, except as specifically provided
in Section I Conditions, Mold, Fungus, Wet Rot And Dry Rot
Remediation As A Direct Result Of A Covered Water Loss.
C. When loss is not excluded under paragraph A or paragraph B of losses
We Do Not Cover Under Coverage C, and there are two or more
causes of loss to the covered property, we do not cover the loss if the
predominant cause(s) of loss is (are) excluded under paragraph D,
immediately below.
D. Under Personal Property Protection -Coverage C of this policy, we do
not cover any loss consisting of or caused by one or more of the
following excluded events, perils or conditions. Such loss is excluded
regardless of whether the excluded event, peril or condition involves
isolated or widespread damage, arises from natural, man-made or other
forces, or arises as a result of any combination of these forces.
1. The failure by any insured person to take all reasonable steps to
save and preserve property when the property is endangered by a
cause of loss we cover.
2. Any substantial change or increase in hazard, if changed or
increased by any means within the control or knowledge of an
insured person.
3. Intentional or criminal acts of or at the direction of any insured
person, if the loss that occurs:
a) may be reasonably expected to result from such acts; or
b) is the intended result of such acts.
This exclusion applies regardless of whether the insured person is
actually charged with, or convicted of, a crime.
4. Planning, Construction or Maintenance, meaning faulty, inadequate
or defective:
a) planning, zoning, development, surveying, siting;
b) design, specifications, workmanship, repair, construction,
renovation, remodeling, grading, compaction;
c) materials used in repair, construction, renovation or
remodeling; or
Page 12 of 22 W" l l sta, to 1,
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d) maintenance;
of property whether on or off the residence premises by any
person or organization.
Section I Additional Protection
1. Additional Living Expense
We will pay the reasonable increase in living expenses necessary to
maintain your normal standard of living when a direct physical loss we
cover under Dwelling Protection -Coverage A, Other Structures
Protection -Coverage B or Personal Property Protection -Coverage
C makes your residence premises uninhabitable. However, additional
living expense due to remediation of mold, fungus, wet rot or dry rot will
not be paid in addition to any amounts paid or payable under Section
Conditions, Mold, Fungus, Wet Rot And Dry Rot Remediation As A
Direct Result Of A Covered Water Loss.
Payment for additional living expense as a result of a covered loss under
Dwelling Protection -Coverage A, Other Structures Protection -
Coverage B or Personal Property Protection -Coverage C will be
limited to the least of the following:
a) the time period required to repair or replace the property we cover,
using due diligence and dispatch;
b) if you permanently relocate, the shortest time for your household
to settle elsewhere; or
c) 12 months.
These periods of time are not limited by the termination of this policy.
In no event shall our payment for additional living expenses exceed the
Limit Of Liability shown on your Policy Declarations for Additional Living
Expense.
We do not cover any lost income or expense due to the cancellation of a
lease or agreement.
No deductible applies to this protection.
2. Civil, Governmental And Military Authorities
We will pay the reasonable and necessary increase in living expenses for
up to two weeks should civil, governmental or military authorities
prohibit the use of the residence premises due to a loss at a
neighboring premises caused by an event, peril or condition we insure
against under Dwelling Protection -Coverage A, Other Structures
Protection -Coverage B or Personal Property Protection -Coverage
C. However, payments for increase in living expenses due to remediation
of mold, fungus, wet rot or dry rot will not be paid in addition to any
amounts paid or payable under Section I Conditions, Mold, Fungus,
Wet Rot And Dry Rot Remediation As A Direct Result Of A Covered
Water Loss.
The two-week period of time referenced above is not limited by the
termination of this policy.
No deductible applies to this protection.
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
3. Debris Removal
We will pay reasonable expenses you incur to remove debris of covered
property damaged by a loss we cover. If the loss to the covered property
and the cost of debris removal are more than the Limit Of Liability shown
on the Policy Declarations for the covered property, we will pay up to an
additional S% of that limit for debris removal.
4. Emergency Removal Of Property
We will pay for sudden and accidental direct physical loss to covered
property from any cause while removed from a premises because of
danger from a loss we cover. Protection is limited to a 30 -day period
from date of removal. This protection does not increase the limit of
liability that applies to the covered property.
5. Fire Department Charges
We will pay up to $500 for service charges made by fire departments
called to protect your property from a loss we cover at the residence
premises.
No deductible applies to this protection.
6. Temporary Repairs After A Loss
We will reimburse you up to $5,000 for the reasonable and necessary
cost you incur for temporary repairs to protect covered property from
further imminent covered loss following a loss we cover. This coverage
does not increase the limit of liability applying to the property being
repaired.
7. Trees, Shrubs, Plants And Lawns
We will pay up to 5% of the Limit Of Liability shown on the Policy
Declarations under Dwelling Protection -Coverage A for loss to trees,
shrubs, plants and lawns at the address of the residence premises. We
will not pay more than $500 for any one tree, shrub, or plant, including
expenses incurred for removing debris. This coverage applies only to
sudden and accidental direct physical loss caused by fire or lightning,
explosion, riot or civil commotion, aircraft, vehicles not owned by an
occupant of the residence premises, vandalism or malicious mischief,
theft, or collapse of a building structure or any part of a building
structure.
We will pay up to $500 for reasonable expenses you incur for the
removal of debris of trees at the address of the residence premises for
sudden and accidental direct physical loss caused by windstorm, hail, or
weight of ice, snow or sleet. The fallen tree must have caused damage to
property covered under Dwelling Protection -Coverage A or Other
Structures Protection -Coverage B.
We do not cover trees, shrubs, plants, or lawns grown for business
purposes.
This coverage does not increase the Dwelling Protection -Coverage A
limit of liability.
8. Power Interruption
We will pay up to $500 for loss to the contents of freezers and
refrigerated units on the residence premises caused by the interruption
Page 13 of 22
of power which occurs off the residence premises. If a power
interruption is known to an insured person, all reasonable means must
be used to protect the contents of freezers and refrigerated units.
This coverage does not increase the limit of liability applying to the
damaged property.
9. Arson Reward
We will pay up to $5,000 for information leading to an arson conviction
in connection with a fire loss to property covered under Section I of this
policy. The $5,000 limit applies regardless of the number of persons
providing information.
10. Collapse
We will cover at the residence premises:
a) the entire collapse of a covered building structure;
b) the entire collapse of part of a covered building structure; and
c) direct physical loss to covered property caused by a) or b) above.
For coverage to apply, the collapse of a building structure specified in
a) or b) above must be a sudden and accidental direct physical loss
caused by one or more of the following:
a) a loss we cover under Section I, Personal Property Protection -
Coverage C;
b) weight of persons, animals, equipment or contents;
c) weight of rain, snow or ice which collects on a roof;
d) defective methods or materials used in construction, repair,
remodeling or renovation, but only if the collapse occurs in the
course of such construction, repair, remodeling or renovation.
Collapse, as referenced herein, means the covered building structure or
part of the covered building structure has actually fallen down or fallen
into pieces unexpectedly and instantaneously. It does not include
settling, cracking, shrinking, bulging, expansion, sagging, or bowing.
Furthermore, collapse does not include or mean substantial structural
impairment or imminent collapse.
Loss to an awning, fence, patio, deck, pavement, swimming pool,
underground pipe, flue, drain, cesspool, fuel oil tank, septic tank, cistern
or similar system, foundation, retaining wall, bulkhead, pier, wharf or
dock is not included, unless the loss is a direct result of the collapse of a
building structure or part of a building structure that is a sudden and
accidental direct physical loss caused by one or more of the following:
a) a loss we cover under Section I, Personal Property Protection -
Coverage C;
b) weight of persons, animals, equipment or contents;
c) weight of rain, snow or ice which collects on a roof; or
d) defective methods or materials used in construction, repair,
remodeling or renovation, but only if the collapse occurs in the
course of such construction, repair, remodeling or renovation.
This coverage does not increase the limit of liability applying to the
covered property.
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
11. land
If a sudden and accidental direct physical loss results in both a covered
loss to the dwelling, other than the breakage of glass or safety glazing
material, and a loss of land stability, we will pay up to $10,000 as an
additional amount of insurance for repair costs associated with the land.
This includes the costs required to replace, rebuild, stabilize or otherwise
restore the land necessary to support that part of the dwelling
sustaining the covered loss.
The Section I, losses We Do Not Cover Under Coverages A and B
reference to earth movement does not apply to the loss of land stability
provided under this additional protection.
12. lock Replacement
When a key to a lock is stolen as part of a covered theft loss, we will pay,
under Dwelling Protection -Coverage A or Other Structures
Protection -Coverage B, as applicable, up to $500 for the reasonable
expenses you incur to replace or re -key exterior door locks at the
residence premises with locks or cylinders of like kind and quality.
This coverage does not increase the limit of liability that applies to the
covered property.
Section I Conditions
1. Deductible
We will pay when a covered loss exceeds the applicable deductible
shown on the Policy Declarations. We will then pay only the excess
amount, unless we have indicated otherwise in this policy.
2. Insurable Interest And Our Liability
In the event of a covered loss, we will not pay for more than an insured
person's insurable interest in the property covered, nor more than the
amount of coverage afforded by this policy.
3. What You Must Do After A loss
In the event of a loss to any property that may be covered by this policy,
you must:
a) immediately give us or our agent notice. Report any theft to the
police as soon as possible.
b) protect the property from further loss. Make any reasonable repairs
necessary to protect it. Keep an accurate record of any repair
expenses.
c) separate damaged from undamaged personal property. Give us a
detailed list of the damaged, destroyed or stolen property, showing
the quantity, cost, actual cash value and the amount of loss
claimed.
d) give us all accounting records, bills, invoices and other vouchers, or
certified copies, which we may reasonably request to examine and
permit us to make copies.
e) produce receipts for any increased costs to maintain your standard
of living while you reside elsewhere, and records supporting any
claim for loss of rental income.
f) as often as we reasonably require:
Page 14 of 22QA 11 state
You're in good hands.
1) show us the damaged property. We have a right to
reasonable and safe opportunities to view and inspect the
loss as often as necessary, unimpeded by actions of you or
others, including, but not limited to, civil, governmental or
military authorities, that prevent us from viewing and
inspecting the loss. We may require you to accompany us
when we conduct these activities.
2) at our request, submit to examinations under oath, separately
and apart from any other person defined as you or insured
person and sign a transcript of the same.
3) produce representatives, employees, members of the insured
person's household or others to the extent it is within the
insured person's power to do so; and
g) within 60 days after the loss, give us a signed, sworn proof of the
loss. This statement must include the following information:
1) the date, time, location and cause of loss;
2) the interest insured persons and others have in the property,
including any encumbrances;
3) the actual cash value and amount of loss for each item
damaged, destroyed or stolen;
4) any other insurance that may cover the loss;
5) any changes in title, use, occupancy or possession of the
property that have occurred during the policy period; and
6) at our request, the specifications of any damaged building
structure or other structure.
We have no duty to provide coverage under this section if you, an
insured person, or a representative of either fail to comply with items
a) through g) above, and this failure to comply is prejudicial to us.
4. Our Settlement Options
In the event of a covered loss, we have the option to:
a) repair, rebuild or replace all or any part of the damaged, destroyed
or stolen property with property of like kind and quality within a
reasonable time; or
b) pay for all or any part of the damaged, destroyed or stolen property
as described in Condition 5, "How We Pay For A Loss."
Within 30 days after we receive your signed, sworn proof of loss, we
will notify you of the option or options we intend to exercise.
5. How We Pay For A loss
Under Dwelling Protection -Coverage A, Other Structures
Protection -Coverage B and Personal Property Protection -Coverage
C, payment for covered loss will be by one or more of the following
methods:
a) Special Payment. At our option, we may make payment for a
covered loss before you repair, rebuild or replace the damaged,
destroyed or stolen property if:
1) the whole amount of loss for property covered under
Dwelling Protection -Coverage A and Other Structures
Protection -Coverage B, without deduction for depreciation,
,g
House & Home Policy Page 15 of 22
Policy number: 815 378 442
Policy effective date: July 6, 2018
is less than $2,500 and if the property is not excluded from
the Building Structure Reimbursement provision; or
2) the whole amount of loss for property covered under
Personal Property Protection -Coverage C, without
deduction for depreciation, is less than $2,500, your Policy
Declarations shows that the Personal Property
Reimbursement provision applies, and the property is not
excluded from the Personal Property Reimbursement
provision.
Actual Cash Value. If you do not repair or replace the damaged,
destroyed or stolen property, payment will be on an actual cash
value basis. This means there may be a deduction for depreciation.
Payment will not exceed the Limit Of Liability shown on the Policy
Declarations for the coverage that applies to the damaged,
destroyed or stolen property, regardless of the number of items
involved in the loss.
You may make claim for additional payment as described in
paragraph c) and paragraph d) below if applicable, if you repair or
replace the damaged, destroyed or stolen covered property within
180 days of the actual cash value payment.
c) Building Structure Reimbursement. Under Dwelling Protection -
Coverage A and Other Structures Protection -Coverage B, we
will make additional payment to reimburse you for cost in excess
of actual cash value if you repair, rebuild or replace damaged,
destroyed or stolen covered property within 180 days of the actual
cash value payment. This additional payment includes the
reasonable and necessary expense for treatment or removal and
disposal of contaminants or pollutants as required to complete
repair or replacement of that part of a building structure
damaged by a covered loss. This additional payment shall not
include any amounts which may be paid or payable under Section
Conditions, Mold, Fungus, Wet Rot And Dry Rot Remediation
As A Direct Result Of A Covered Water Loss, and shall not be
payable for any losses excluded in Section I—Your Property,
under Losses We Do Not Cover Under Coverages A and B,
paragraph B.
Building Structure Reimbursement will not exceed the smallest of
the following amounts:
1) the replacement cost of the part(s) of the building
structure(s) for equivalent construction for similar use on
the same residence premises;
2) the amount actually and necessarily spent to repair or replace
the damaged building structure(s) with equivalent
construction for similar use on the same residence
premises; or
3) the Limit Of Liability applicable to the building structure(s)
as shown on the Policy Declarations for Dwelling
Protection -Coverage A or Other Structures Protection -
Coverage B, regardless of the number of building
structures and structures other than building structures
involved in the loss.
If you replace the damaged building structure(s) at an address
other than shown on the Policy Declarations through construction
of a new structure or purchase of an existing structure, such
replacement will not increase the amount payable under Building
Structure Reimbursement described above. The amount payable
under Building Structure Reimbursement described above does not
include the value of any land associated with the replacement
structure(s).
Building Structure Reimbursement payment will be limited to the
difference between any actual cash value payment made for the
covered loss to building structures and the smallest of 1), 2) or 3)
above.
Building Structure Reimbursement will not apply to:
1) property covered under Personal Property Protection -
Coverage C;
2) property covered under Other Structures Protection -
Coverage B that is not a building structure;
3) wall-to-wall carpeting, fences, awnings and outdoor antennas,
whether or not fastened to a building structure;
4) roof surface(s) when the loss is caused by windstorm or
hail; or
5) land.
Payment under a), b) or c) above will not include any increased cost due
to the enforcement of building codes, ordinances or laws regulating or
requiring the construction, reconstruction, maintenance, replacement,
repair, relocation or demolition of building structures or other
structures.
d) Personal Property Reimbursement. Under Personal Property
Protection -Coverage C, we will make additional payment to
reimburse you for cost in excess of actual cash value if you repair,
rebuild or replace damaged, destroyed or stolen covered personal
property or wall-to-wall carpeting within 180 days of the actual
cash value payment.
Personal Property Reimbursement payment will not exceed the
smallest of the following amounts:
1) the amount actually and necessarily spent to repair or replace
the property with similar property of like kind and quality;
2) the cost of repair or restoration; or
3) the Limit Of Liability shown on the Policy Declarations for
Personal Property Protection -Coverage C, or any special
limit of liability described in the policy, regardless of the
number of items of personal property involved in the loss.
Personal Property Reimbursement will be limited to the difference
between any actual cash value payment made for the covered loss
to personal property and the smallest of 1), 2) or 3) above.
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House & Home Policy
Policy number:
Policy effective date:
July
my 6, 2018 378 442 Page 16 of 22 W Ali state .
You're in good hands.
Personal Property Reimbursement will not apply to:
1) property insured under Dwelling Protection -Coverage A
and Other Structures Protection -Coverage B, except
wall-to-wall carpeting;
2) antiques, fine arts, paintings, statuary and similar articles
which, by their inherent nature, cannot be replaced;
3) articles whose age or history contribute substantially to their
value. This includes, but is not limited to, memorabilia,
souvenirs and collector's items;
4) property that was obsolete or unusable for the originally
intended purpose because of age or condition prior to the
loss; or
5) motorized land vehicles used solely for the service of the
insured premises and not licensed for use on public roads.
This does not include motorized land vehicles designed for
assisting the disabled and not licensed for use on public
roads.
6. Our Settlement Of Loss
We will settle any covered loss with you unless some other person or
entity is named in the policy. We will settle within 60 days after the
amount of loss is finally determined. This amount may be determined by
an agreement between you and us, an appraisal award or a court
judgment.
7. Appraisal
If you and we fail to agree on the amount of loss, either party may make
written demand for an appraisal. Upon such demand, each party must
select a competent and impartial appraiser and notify the other of the
appraiser's identity within 20 days after the demand is received. The
appraisers will select a competent and impartial umpire. If the appraisers
are unable to agree upon an umpire within 15 days, you or we can ask a
judge of a court of record in the state where the residence premises is
located to select an umpire.
The appraisers shall then determine the amount of loss, stating
separately the actual cash value and the amount of loss to each item. If
the appraisers submit a written report of an agreement to you and to us,
the amount agreed upon shall be the amount of loss. If they cannot
agree, they will submit their differences to the umpire. A written award
agreed upon by any two will determine the amount of loss.
Each party will pay the appraiser it chooses, and equally bear expenses
for the umpire and all other appraisal expenses.
Abandoned Property
We are not obligated to accept any property or responsibility for any
property abandoned by an insured person.
9. Permission Granted To You
a) The residence premises may be vacant or unoccupied for any
length of time, except where a time limit is indicated in this policy.
A building structure under construction is not considered vacant.
b) You may make alterations, additions or repairs, and you may
complete structures under construction.
10. Our Rights To Recover Payment
When we pay for any loss, an insured person's right to recover from
anyone else becomes ours up to the amount we have paid. An insured
person must protect these rights and help us enforce them. You may
waive your rights to recover against another person for loss involving
the property covered by this policy. This waiver must be in writing prior
to the date of loss.
11. Our Rights To Obtain Salvage
We have the option to take all or any part of the damaged or destroyed
covered property upon replacement by us or payment of the agreed or
appraised value.
We will notify you of our intent to exercise this option within 30 days
after we receive your signed, sworn proof of loss. If no signed, sworn
proof of loss is requested by us, we will notify you of our intent to
exercise this option within 60 days after the date you report the loss to
us.
When we settle any loss caused by theft or disappearance, we have the
right to obtain all or part of any property which may be recovered. An
insured person must protect this right and inform us of any property
recovered. We will inform you of our intent to exercise this right within
10 days of your notice of recovery to us.
12. Action Against Us
No one may bring an action against us in any way related to the
existence or amount of coverage, or the amount of loss for which
coverage is sought, under a coverage to which Section I Conditions
applies, unless:
a) there has been full compliance with all policy terms; and
b) the action is commenced within one year after the inception of loss
or damage.
13. loss To A Pair Or Set
If there is a covered loss to a pair or set, we may:
a) repair or replace any part of the pair or set to restore it to its actual
cash value before the loss; or
b) pay the difference between the actual cash value of the pair or set
before and after the loss.
14. Glass Replacement
Payment for loss to covered glass includes the cost of using safety
glazing materials when required by law.
15. No Benefit To Bailee
This insurance will not benefit any person or organization that may be
caring for or handling your property for a fee.
16. Otherinsurance
If both this insurance and other insurance apply to a loss, we will pay the
proportionate amount that this insurance bears to the total amount of all
applicable insurance. However, in the event of a loss by theft, this
House & Home Policy
Policy number: 815 3-78-4-4-21
Policy effective date: July 6, 2018
insurance shall be excess over any other insurance that covers loss by
theft.
17. Property Insurance Adjustment
At each policy renewal, we may increase the Limit Of Liability shown on
the Policy Declarations for Dwelling Protection -Coverage A to reflect
the minimum amount of insurance coverage we are willing to issue for
the succeeding policy period under Dwelling Protection -Coverage A
for your dwelling and other property we cover under Dwelling
Protection -Coverage A.
Any adjustment in the limit of liability for Dwelling Protection -
Coverage A will result in an adjustment in the limit of liability for Other
Structures Protection -Coverage B and Personal Property
Protection -Coverage C in accordance with our manual of Rules and
Rates.
Any adjustment in premium resulting from the application of this
condition will be made based on premium rates in use by us at the time a
change in limits is made.
We will not reduce the Limit Of Liability shown on the Policy
Declarations without your consent. You agree that it is your
responsibility to ensure that each of the Limits Of Liability shown on the
Policy Declarations are appropriate for your insurance needs. If you
want to increase or decrease any of the Limits Of Liability shown on the
Policy Declarations, you must contact us to request such a change.
18. Mortgagee
A covered loss will be payable to the mortgagee(s) named on the Policy
Declarations, to the extent of their interest and in the order of
precedence. All provisions of Section I of this policy apply to these
mortgagees.
We will:
a) protect the mortgagee's interest in a covered building structure
in the event of an increase in hazard, intentional or criminal acts of,
or directed by, an insured person, failure by any insured person
to take all reasonable steps to save and preserve property after a
loss, a change in ownership, or foreclosure if the mortgagee has no
knowledge of these conditions; and
b) give the mortgagee at least 10 days notice if we cancel this policy.
The mortgagee will:
a) furnish proof of loss within 60 days after notice of the loss if an
insured person fails to do so;
b) pay upon demand any premium due if an insured person fails to
do so;
c) notify us in writing of any change of ownership or occupancy or
any increase in hazard of which the mortgagee has knowledge;
d) give us the mortgagee's right of recovery against any party liable
forloss;and
e) after a loss, and at our option, permit us to satisfy the mortgage
requirements and receive full transfer of the mortgage.
Page 17 of 22
This mortgagee interest provision shall apply to any trustee or loss
payee or other secured party.
19. Mold, Fungus, Wet Rot And Dry Rot Remediation As A Direct
Result Of A Covered Water Loss
In the event of a covered water loss under Dwelling Protection -
Coverage A, Other Structures Protection -Coverage B or Personal
Property Protection -Coverage C, we will pay up to $5,000 for mold,
fungus, wet rot or dry rot remediation.
Remediation means the reasonable and necessary treatment, removal
or disposal of mold, fungus, wet rot or dry rot as required to complete
repair or replacement of property we cover under Dwelling Protection -
Coverage A, Other Structures Protection -Coverage B or Personal
Property Protection -Coverage C damaged by a covered water loss,
including payment for any reasonable increase in living expenses
necessary to maintain your normal standard of living if mold, fungus,
wet rot or dry rot makes your residence premises uninhabitable.
Remediation also includes any investigation or testing to detect,
measure or evaluate mold, fungus, wet rot or dry rot.
This Condition does not increase the limits of liability under Dwelling
Protection -Coverage A, Other Structures Protection -Coverage B or
Personal Property Protection -Coverage C.
Section II—Family Liability And Guest Medical
Protection
Family Liability Protection -Coverage X
Losses We Cover Under Coverage X:
Subject to the terms, conditions and limitations of this policy, we will pay
damages which an insured person becomes legally obligated to pay because
of bodily injury or property damage arising from an occurrence to which
this policy applies, and is covered by this part of the policy.
We may investigate or settle any claim or suit for covered damages against an
insured person. If an insured person is sued for these damages, we will
provide a defense with counsel of our choice, even if the allegations are
groundless, false or fraudulent. We are not obligated to pay any claim or
judgment after we have exhausted our limit of liability.
Losses We Do Not Cover Under Coverage X:
1. We do not cover any bodily injury or property damage intended by, or
which may reasonably be expected to result from the intentional or
criminal acts or omissions of, any insured person. This exclusion applies
even if:
a) such insured person lacks the mental capacity to govern his or her
conduct;
b) such bodily injury or property damage is of a different kind or
degree than intended or reasonably expected; or
c) such bodily injury or property damage is sustained by a different
person than intended or reasonably expected.
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House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
This exclusion applies regardless of whether such insured person is
actually charged with, or convicted of, a crime.
2. We do not cover bodily injury to an insured person or property
damage to property owned by an insured person whenever any benefit
of this coverage would accrue directly or indirectly to an insured
person.
3. We do not cover bodily injury to any person eligible to receive any
benefits required to be provided, or voluntarily provided, by an insured
person under any workers' compensation, non -occupational disability or
occupational disease law.
4. We do not cover bodily injury or property damage arising out of the
ownership, maintenance, use, occupancy, renting, loaning, entrusting,
loading or unloading of aircraft.
We will not apply this exclusion to bodily injury to a residence
employee.
S. We do not cover bodily injury or property damage arising out of the
ownership, maintenance, use, occupancy, renting, loaning, entrusting,
loading or unloading of any motor vehicle or trailer. We will not apply
this exclusion to:
a) a motor vehicle in dead storage or used exclusively on an insured
premises;
b) any motor vehicle designed principally for recreational use off
public roads, unless that vehicle is owned by an insured person
and is being used away from an insured premises;
c) a motorized wheelchair;
d) a vehicle used to service an insured premises which is not
designed for use on public roads and not subject to motor vehicle
registration;
e) a golf cart owned by an insured person when used for golfing
purposes;
f) a trailer of the boat, camper, home or utility type unless it is being
towed or carried by a motorized land vehicle;
g) lawn or garden implements under 40 horsepower; or
h) bodily injury to a residence employee.
6. We do not cover bodily injury or property damage arising out of the
ownership, maintenance, use, occupancy, renting, loaning, entrusting,
loading or unloading of watercraft away from an insured premises if the
watercraft:
a) has inboard or inboard -outboard motor power of more than 50
horsepower;
b) is a sailing vessel 26 feet or more in length;
c) is powered by one or more outboard motors with more than 25
total horsepower;
d) is designated as an airboat, air cushion, or similar type of
watercraft; or
e) is a personal watercraft, meaning a craft propelled by a water jet
pump engine and designed to be operated by a person or persons
sitting, standing or kneeling on the craft.
Page 18 of 22G
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You're in good hands.
We will not apply this exclusion to bodily injury to a residence
employee.
7. We do not cover bodily injury or property damage arising out of:
a) the negligent supervision by any insured person of any person; or
b) any liability statutorily imposed on any insured person;
arising from the ownership, maintenance, use, occupancy, renting,
loaning, entrusting, loading or unloading of any aircraft, watercraft,
hovercraft, motorized land vehicle or trailer which is not covered under
Section II of this policy.
8. We do not cover any bodily injury which results in any manner from the
discharge, dispersal, release or escape of vapors, fumes, smoke, smog,
soot, alkalis, acids, toxic chemicals, toxic gasses, toxic liquids, toxic
solids, waste materials, or other irritants, contaminants or pollutants.
We will not apply this exclusion to bodily injury which results from such
discharge, dispersal, release or escape, if the discharge, dispersal,
release or escape is sudden and accidental.
9. We do not cover any property damage which results in any manner
from vapors, fumes, smoke, smog, soot, alkalis, acids, toxic chemicals,
toxic gasses, toxic liquids, toxic solids, waste materials, or other irritants,
contaminants or pollutants.
10. We do not cover any liability imposed upon any insured person by any
civil, governmental or military authority for bodily injury or property
damage which results in any manner from vapors, fumes, smoke, smog,
soot, alkalis, acids, toxic chemicals, toxic gasses, toxic liquids, toxic
solids, waste materials, or other irritants, contaminants or pollutants.
11. We do not cover bodily injury or property damage arising out of the
rendering of, or failure to render, professional services by an insured
person.
12. We do not cover bodily injury or property damage arising out of the
past or present business activities of an insured person.
We will not apply this exclusion to bodily injury or property damage
arising from the occasional or part-time business activities of an
insured person who is a student under 21 years of age who is self-
employed and has no employees.
13. We do not cover bodily injury or property damage arising out of any
premises, other than an insured premises, owned, rented or controlled
by an insured person. We will not apply this exclusion to bodily injury
to a residence employee.
14. We do not cover property damage to property rented to, occupied or
used by, or in the care of, an insured person. We will not apply this
exclusion if the property damage is caused by fire, explosion or smoke.
15. We do not cover any liability an insured person assumes arising out of
any contract or agreement.
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
16. We do not cover bodily injury or property damage caused by:
a) war, whether declared or undeclared;
b) warlike acts; ,
c) invasion;
d) insurrection;
e) rebellion;
f) revolution;
g) civil war;
h) usurped power;
0 destruction for a military purpose; or
j) action taken by civil, governmental or military authority to hinder
or defend against an actual or impending enemy act.
17. We do not cover bodily injury or property damage which, in whole or
in part, arises out of, is aggravated by or results from mold, fungus, wet
rot, dry rot or bacteria.
18. We do not cover any liability imposed upon any insured person by any
civil, governmental or military authority for bodily injury or property
damage which, in whole or in part, arises out of, is aggravated by or
results from mold, fungus, wet rot, dry rot or bacteria.
19. We do not cover any loss, cost or expense arising out of any request,
demand, or order that any insured person test for, monitor, clean up,
remove, contain, treat, detoxify, decontaminate, or neutralize, or in any
way respond to or assess the effects of any type of vapors, fumes,
smoke, smog, soot, alkalis, acids, toxic chemicals, toxic gasses, toxic
liquids, toxic solids, waste materials, or other irritants, contaminants or
pollutants.
20. We do not cover bodily injury or property damage arising out of
nuclear hazard, meaning nuclear reaction, discharge, radiation or
radioactive contamination, or any consequence of any of these. Bodily
injury or property damage arising out of a nuclear hazard is not
considered as arising from fire, explosion or smoke.
21. We do not cover bodily injury or property damage arising out of the
ownership, maintenance, use, occupancy, renting, loaning, entrusting,
loading or unloading of hovercrafts. We will not apply this exclusion to
bodily injury to a residence employee.
Guest Medical Protection -Coverage Y
Losses We Cover Under Coverage Y:
We will pay the reasonable expenses incurred for necessary medical, surgical,
X-ray and dental services, ambulance, hospital, licensed nursing and funeral
services, and prosthetic devices, eye glasses, hearing aids, and
pharmaceuticals. These expenses must be incurred and the services
performed within three years from the date of an occurrence causing bodily
injury to which this policy applies, and is covered by this part of the policy.
Each person who sustains bodily injury is entitled to this protection when
that person is:
1. on the insured premises with the permission of an insured person; or
Page 19 of 22
2. off the insured premises, if the bodily injury:
a) arises out of a condition on the insured premises or immediately
adjoining ways;
b) is caused by the activities of an insured person or a residence
employee;
c) is caused by an animal owned by or in the care of an insured
person; or
d) is sustained by a residence employee.
Losses We Do Not Cover Under Coverage Y:
1. We do not cover any bodily injury intended by, or which may
reasonably be expected to result from the intentional or criminal acts or
omissions of, any insured person. This exclusion applies even if:
a) such insured person lacks the mental capacity to govern his or her
conduct;
b) such bodily injury is of a different kind or degree than intended or
reasonably expected; or
c) such bodily injury is sustained by a different person than intended
or reasonably expected.
This exclusion applies regardless of whether such insured person is
actually charged with, or convicted of, a crime.
2. We do not cover bodily injury to any insured person or regular
resident of the insured premises. We will not apply this exclusion to a
residence employee.
3. We do not cover bodily injury to any person eligible to receive any
benefits required to be provided, or voluntarily provided, under any
workers' compensation, non -occupational disability or occupational
disease law.
4. We do not cover bodily injury arising out of the ownership,
maintenance, use, occupancy, renting, loaning, entrusting, loading or
unloading of aircraft.
We will not apply this exclusion to bodily injury to a residence
employee.
5. We do not cover bodily injury arising out of the ownership,
maintenance, use, occupancy, renting, loaning, entrusting, loading or
unloading of any motor vehicle or trailer. We will not apply this
exclusion to:
a) a motor vehicle in dead storage or used exclusively on an insured
premises;
b) any motor vehicle designed principally for recreational use off
public roads, unless that vehicle is owned by an insured person
and is being used away from an insured premises;
c) a motorized wheelchair;
d) a vehicle used to service an insured premises which is not
designed for use on public roads and not subject to motor vehicle
registration;
e) a golf cart owned by an insured person when used for golfing
purposes;
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Page 20 of 22 `. i'i ■ bra
Policy effective date: July 6, 2018
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f) a trailer of the boat, camper, home or utility type unless it is being
We will not apply this exclusion to bodily injuryto a residence
towed or carried by a motorized land vehicle;
employee.
g) lawn or garden implements under 40 horsepower; or
13.
We do not cover bodily injury caused by:
h) bodily injury to a residence employee.
a) war, whether declared or undeclared;
6. We do not cover bodily injury arising out of the ownership,
b) warlike acts;
maintenance, use, occupancy, renting, loaning, entrusting, loading or
c) invasion;
unloading of watercraft away from an insured premises if the
d) insurrection;
watercraft:
e) rebellion;
a) has inboard or inboard -outboard motor power of more than 50
f) revolution;
horsepower;
g) civil war;
b) is a sailing vessel 26 feet or more in length;
h) usurped power;
c) is powered by one or more outboard motors with more than 25
i) destruction for a military purpose; or
total horsepower;
j) action taken by civil, governmental or military authority to hinder
d) is designated as an airboat, air cushion, or similar type of
or defend against an actual or impending enemy act.
watercraft; or
e) is a personal watercraft, meaning a craft propelled by a water jet
14.
We do not cover bodily injury which, in whole or in part, arises out of, is
pump engine and designed to be operated by a person or persons
aggravated by or results from mold, fungus, wet rot, dry rot or bacteria.
sitting, standing or kneeling on the craft.
15.
We do not cover bodily injury arising out of nuclear hazard, meaning
We will not apply this exclusion to bodily injury to a residence
nuclear reaction, discharge, radiation or radioactive contamination, or
employee.
any consequence of any of these. Bodily injury arising out of a nuclear
hazard is not considered as arising from fire, explosion or smoke.
7. We do not cover bodily injury arising out of:
16.
We do not cover bodily injury arising out of the ownership,
a) the negligent supervision by any insured person of any person; or
maintenance, use, occupancy, renting, loaning, entrusting, loading or
b) any liability statutorily imposed on any insured person;
unloading of hovercrafts. We will not apply this exclusion to bodily
arising from the ownership, maintenance, use, occupancy, renting,
injury to a residence employee.
loaning, entrusting, loading or unloading of any aircraft, watercraft,
Section II Additional Protection
hovercraft, motorized land vehicle or trailer which is not covered under
Section II of this policy.
We will pay, in addition to the limits of liability:
8. We do not cover any bodily injury which results in any manner from the
1.
Claim Expenses
We will pay:
discharge, dispersal, release or escape of vapors, fumes, smoke, smog,
a) all costs we incur in the settlement of any claim or the defense of
soot, alkalis, acids, toxic chemicals, toxic gasses, toxic liquids, toxic
any suit against an insured person;
solids, waste materials, or other irritants, contaminants or pollutants.
b) interest accruing on damages awarded until such time as we have
We will not apply this exclusion to bodily injury which results from such
paid, formally offered, or deposited in court the amount for which
discharge, dispersal, release or escape, if the discharge, dispersal,
we are liable under this policy; interest will be paid only on
release or escape is sudden and accidental.
damages which do not exceed our limits of liability;
9. We do not cover bodily injury arising out of the rendering of, or failure
c) premiums on bonds required in any suit we defend; we will not pay
to render, professional services by an insured person.
bond premiums in an amount that is more than our limit of liability;
we have no obligation to apply for or furnish bonds;
10. We do not cover bodily injury arising out of the past or present
d) up to $150 per day for loss of wages and salary, when we ask you
business activities of an insured person,
to attend trials and hearings;
We will not apply this exclusion to bodily injury arising from the
e) any other reasonable expenses incurred by an insured person at
occasional or part-time business activities of an insured person who is
our request.
a student under 21 years of age who is self-employed and has no
2.
Emergency First Aid
employees.
We will pay reasonable expenses incurred by an insured person for first
11. We do not cover bodily injury to any person on the insured premises
aid to other persons at the time of an accident involving bodily injury
because of a business activity or professional service conducted there.
covered under this policy.
12. We do not cover bodily injury arising out of any premises, other than an
3.
Damage To Property Of Others
At your request, we will pay up to $1,000 each time an insured person
insured premises, owned, rented or controlled by an insured person.
causes property damage to someone else's property. At our option, we
House & Home Policy Page 21 of 22
Policy number: 815 378 442
Policy effective date: July 6, 2018
will pay the cost to either repair or replace the property damaged by an
insured person, without deduction for depreciation.
We will not pay for property damage:
a) to property covered under Section I of this policy;
b) to property intentionally damaged by an insured person who has
attained the age of 13;
c) to property owned by or rented to an insured person, any tenant
of an insured person, or any resident in your household; or
d) arising out of:
1) past or present business activities;
2) any act or omission in connection with a premises, other than
an insured premises, owned, rented or controlled by an
insured person; or
3) the ownership or use of a motorized land vehicle, trailer,
aircraft, hovercraft or watercraft.
Section II Conditions
What You Must Do After A loss
In the event of bodily injury or property damage, you must do the
following:
a) Promptly notify us or our agent stating:
1) your name and policy number;
2) the date, the place and the circumstances of the loss;
3) the name and address of anyone who might have a claim
against an insured person;
4) the names and addresses of any witnesses.
b) Promptly send us any legal papers relating to the accident.
c) At our request, an insured person will:
1) cooperate with us and assist us in any matter concerning a
claim or suit;
2) help us enforce any right of recovery against any person or
organization who may be liable to an insured person;
3) attend any hearing or trial.
d) Under the Damage To Property Of Others protection, give us a
sworn statement of the loss. This must be made within 60 days
after the date of loss. Also, an insured person must be prepared to
show us any damaged property under that person's control.
Any insured person will not voluntarily pay any money, assume any
obligations or incur any expense, other than for first aid to others at the
time of the loss as provided for in this policy.
2. What An Injured Person Must Do—Guest Medical Protection -
Coverage Y
If someone is injured, that person, or someone acting for that person,
must do the following:
a) Promptly give us written proof of the loss. If we request, this must
be done under oath.
b) Give us written authorization to obtain copies of all medical
records and reports.
c) Permit doctors we select to examine the injured person as often as
we may reasonably require.
3. Our Payment Of Loss—Guest Medical Protection -Coverage Y
We may pay the injured person or the provider of the medical services.
Payment under this coverage is not an admission of liability by us or an
insured person.
4. Our limits Of Liability
Regardless of the number of insured persons, injured persons, claims,
claimants or policies involved, our total liability under Family Liability
Protection -Coverage X for damages resulting from one occurrence
will not exceed the Limit Of Liability shown on the Policy Declarations.
All bodily injury and property damage resulting from continuous or
repeated exposure to the same general conditions is considered the
result of one occurrence.
Our total liability under Guest Medical Protection -Coverage Y for all
medical expenses payable for bodily injury, to any one person, shall not
exceed the "each person" Limit Of Liability shown on the Policy
Declarations.
5. Bankruptcy
We are not relieved of any obligation under this policy because of the
bankruptcy or insolvency of an insured person.
6. Our Rights To Recover Payment—Family Liability Protection -
Coverage X
When we pay any loss, an insured person's right to recover from
anyone else becomes ours up to the amount we have paid. An insured
person must protect these rights and help us enforce them.
7. Action Against Us
a) No one may bring an action against us in any way related to the
existence or amount of coverage, or the amount of loss for which
coverage is sought, unless there has been full compliance with all
policy terms.
b) No one may bring an action against us in any way related to the
existence or amount of coverage, or the amount of loss for which
coverage is sought, under Family Liability Protection -Coverage
X, unless the obligation of an insured person to pay has been
finally determined either by judgment against the insured person
after actual trial, or by written agreement of the insured person,
injured person and us, and the action against us is commenced
within one year of such judgment or agreement.
c) No one may bring an action against us in any way related to the
existence or amount of coverage, or the amount of loss for which
coverage is sought, under Guest Medical Protection -Coverage
Y, unless such action is commenced within one year after the date
the expenses for which coverage is sought were actually incurred.
d) No one may bring an action against us in any way related to the
existence or amount of coverage, or the amount of loss for which
coverage is sought, under Section II Additional Protection,
unless such action is commenced within one year after the date the
claim expenses or emergency first aid expenses for which coverage
is sought were actually incurred, or within one year after the date
House & Home Policy
Policy number: 815 378 442
Policy effective date: July 6, 2018
of loss to the property if coverage is being sought under the
Damage To Property Of Others provision.
e) No one shall have any right to make us a party to an action to
determine the liability of an insured person.
8. Other Insurance—Family liability Protection -Coverage X
This insurance is excess over any other valid and collectible insurance
except insurance that is written specifically as excess over the limits of
liability that apply to this policy.
Section III—Optional Protection
Optional Coverages
The following Optional Coverages may supplement coverages found in
Section I or Section II and apply only when they are indicated on the Policy
Declarations. The provisions of this policy apply to each Optional Coverage
in this section unless modified by the terms of the specific Optional Coverage.
1. Building Codes -Coverage BC
We will pay up to the Limit Of Liability shown on the Policy Declarations
for Building Codes coverage to comply with local building codes after
covered loss to the dwelling or when repair or replacement results in
increased cost due to the enforcement of any building codes, ordinances
or laws regulating or requiring the construction, reconstruction,
maintenance, replacement, repair, placement or demolition of the
dwelling.
2. Increased Coverage On Business Property -Coverage BP
The limitation on business property located on the residence
premises, under Personal Property Protection -Coverage C, is
increased to the amount shown on the Policy Declarations. This
increased coverage includes property held as samples or for
sale or delivery after sale, while the property is on the residence
premises.
3. Fire Department Charges -Coverage F
The $500 limit applying to the fire department service charges under
Additional Protection is increased to the amount shown on the Policy
Declarations.
4. Loss Assessments -Coverage G
If your residence premises includes a building structure which is
constructed in common with one or more similar buildings, and you are a
member of, and subject to the rules of, an association governing the
areas held in common by all building owners as members of the
association, the insured premises means the building structure
occupied exclusively by your household as a private residence, including
the grounds, related structures and private approaches to them.
We will pay your share of any special assessments charged against all
building owners by the association up to the Limit Of Liability shown on
the Policy Declarations, when the assessment is made as a result of:
a) sudden and accidental direct physical loss to the property held in
common by all building owners caused by a loss we cover under
Section I of this policy; or
Page 22 of 22 •
lstate.
You're in good hands.
b) bodily injury or property damage covered under Section II of
this policy.
Any reduction or elimination of payments for losses because of any
deductible applying to the insurance coverage of the association of
building owners collectively is not covered under this protection.
We will pay only when the assessment levied against the insured
person, as a result of any one loss, for bodily injury or property
damage exceeds $500 and then only for the amount of such excess.
This coverage is not subject to any deductible applying to Section I of
this policy.
In the event of an assessment, this coverage is subject to all the
exclusions applicable to Sections I and II of this policy and the Section
and 11 Conditions, except as otherwise noted.
This coverage is excess over any insurance collectible under any policy
or policies covering the association of building owners.
5. Extended Coverage On Jewelry, Watches And Furs -Coverage J
Personal Property Protection -Coverage C is extended to pay for
sudden and accidental direct physical loss to the following property,
subject to the provisions in this coverage:
a) jewelry, watches, gems, precious and semi-precious stones, gold,
platinum; and
b) furs, including any item containing fur which represents its
principal value.
The total amount of coverage and per item limit is shown on the Policy
Declarations. This amount is not in addition to the amount of insurance
applying to Personal Property Protection -Coverage C. However, in no
event will coverage be less than would have applied in the absence of
Coverage J.
The following exclusions contained in Losses We Do Not Cover Under
Coverage C apply to the coverage afforded under this Coverage 1:
items A.7, A.8, D.1 and D.3. In addition, we do not cover any loss
consisting of or caused by one or more of the following excluded events,
perils or conditions. Such loss is excluded regardless of whether the
excluded event, peril or condition involves isolated or widespread
damage, arises from natural, man-made or other forces, or arises as a
result of any combination of these forces.
a) wear and tear;
b) gradual deterioration;
c) inherent vice; or
d) insects or vermin.
Any deductible shown on the Policy Declarations applicable to Personal
Property Protection -Coverage C, also applies to a loss under this
coverage.
6. Increased Coverage On Theft Of Silverware -Coverage ST
The $2,500 limitation on theft of goldware, silverware, pewterware and
platinumware under Personal Property Protection -Coverage C is
increased to the amount shown on the Policy Declarations.
Policy Endorsement Page 1 of 6
Policy number: 815 378 442
Policy effective date: July 6, 2018
The following endorsement changes your policy.
If the dwelling on the residence premises is a two-,
Please read this document carefully and keep it with your policy,
three-, or four -family building structure, rental of the
residence premises is not considered a business when:
Amendatory Endorsement - AP4922
a) the residence premises is rented occasionally for
residential purposes;
This endorsement amends your Policy and is in addition to all other amendatory
b) a portion of the unit where you reside is rented to
endorsements that apply to this policy.
roomers or boarders, provided not more than two
Throughout the policy, the calculation for actual cash value may include
roomers or boarders reside in that portion at any one
expense depreciation. Expense depreciation means depreciation, including,
time;
but not limited to, the cost of goods, materials, equipment, labor, and
c) the rental unit(s) is/are rented to tenants as a
services, as well as applicable overhead, profit, taxes and fees, necessary
private residence; or
to replace, repair, or rebuild damaged property.
d) a portion is rented to a tenant as a private garage.
B. Item 4, Dwelling is replaced by the following:
All other policy terms and conditions apply.
4. Dwelling—means a one-, two-, three- or four- family building
structure, identified as the insured property on the Policy
Declarations, where you reside and which is principally used as
The following endorsement changes your policy.
a private residence.
Please read this document carefully and keep it with your policy.
C. Item 6, Insured premises is replaced by the following:
Extended Premises Amendatory Endorsement -
6. Insured premises—means:
a) the residence premises; and
AVP19
b) under Section II only:
1) the part of any other premises, other structures and
I. In the General section, under Definitions Used In This Policy, the
grounds used by you as a residence. This includes
following changes are made:
premises, structures and grounds you acquire for
A. Item 3, Business, is replaced by the following:
your use as a private residence while this policy is in
3. Business—means:
effect;
a) any full- or part-time activity of any kind engaged in for
2) any part of a premises not owned by an insured
economic gain including the use of any part of any
person but where an insured person is temporarily
premises for such purposes. The providing of home day
living;
care services to other than an insured person or relative
3) cemetery plots or burial vaults owned by an insured
of an insured person for economic gain is also a
person;
business.
4) vacant land, other than farmland, owned by or rented
to an insured person;
However, the mutual exchange of home day care services
5) land owned by or rented to an insured person
is not considered a business;
where a one-, two-, three- or four -family dwelling is
b) the rental or holding for rental of property by an insured
being built as that person's residence;
person.
6) any premises used by an insured person in
connection with the residence premises; and
If the dwelling on the residence premises is a
7) any part of a premises occasionally rented to an
single-family building structure, rental of your
insured person for other than business purposes.
residence premises is not considered a business when:
a) the residence premises is rented occasionally for
D. The following definitions are added:
residential purposes;
Rental unit—means that portion of your dwelling or other building
b) a portion is rented to roomers or boarders, provided
structures on the residence premises which form separate living
not more than two roomers or boarders reside on the
space intended for tenant occupancy.
residence premises at any one time; or
c) a portion is rented as a private garage.
Tenant—means any person who rents a rental unit, or who rents a
portion of the residence premises as a private garage, from an
Policy endorsement
Policy number: 815 378 442
Policy effective date: July 6, 2018
insured person. A tenant, an employee of a tenant or a guest of a
tenant is not an insured person's guest.
II. In Section 1—Your Property, Personal Property Protection -Coverage
C, under Property We Do Not Cover Under Coverage C, item 5 is
replaced by the following:
5. Property of roomers, boarders, or tenants not related to you.
III. In Section I Conditions, under item 3, What You Must Do After A Loss
sub -item 0 is replaced by the following:
as often as we reasonably require:
1) show us the damaged property. We have a right to reasonable
and safe opportunities to view and inspect the loss as often as
necessary, unimpeded by actions of you or others, including,
but not limited to, civil, governmental or military authorities,
that prevent us from viewing and inspecting the loss. We may
require you to accompany us when we conduct these activities.
2) at our request, submit to examinations under oath, separately
and apart from any other person defined as you or insured
person and sign a transcript of the same.
3) produce representatives, employees, members of the insured
person's household or others to the extent it is within the
insured person's power to do so;
4) provide available information as we require concerning
tenants; and
IV. In Section II—Family Liability And Guest Medical Protection, Section
II Additional Protection, under Damage To Property Of Others, item c)
in the second paragraph is replaced by the following:
c) to property owned by or rented to an insured person, a tenant,
employee of a tenant, guest of a tenant, or any resident in your
household; or
V. In Section III—Optional Protection, Optional Coverages, the first
paragraph of Loss Assessments -Coverage G is replaced by the
following:
If your residence premises includes a building structure which is
constructed in common with one or more similar buildings, and you are a
member of, and subject to the rules of, an association governing the areas
held in common by all building owners as members of the association, the
insured premises means the building structure occupied by your
household as a private residence, including the grounds, related structures
and the private approaches to them.
All other policy terms and conditions apply.
Page 2 of 6 Am I I state.�
You're in good hands.
The following endorsement changes your policy.
Please read this document carefully and keep it with your policy.
Arkansas
Amendatory Endorsement - AVP159-1
I. In the General section of the policy, the following changes are made:
A. The Cancellation provision is replaced by the following:
Cancellation
Your Right to Cancel:
You may cancel this policy by notifying us of the future date you
wish to stop coverage.
Our Right to Cancel:
We may cancel this policy by mailing notice to you at the mailing
address shown on the Policy Declarations. When this policy has been
in effect for less than 60 days, and it is not a renewal with us, we
may cancel this policy for any reason by giving you at least 10 days
notice before the cancellation takes effect.
When this policy has been in effect for 60 days or more, or if it is a
renewal with us, we may cancel this policy for one or more of the
following reasons:
1. nonpayment of premium;
2. fraud or material misrepresentation made by you or with your
knowledge in obtaining the policy, continuing the policy, or in
presenting a claim under the policy;
3. the occurrence of a material change in the risk which
substantially increases any hazard insured against after policy
issuance;or
4. a material violation of a material provision of the policy.
If the cancellation is for nonpayment of premium, we will give you at
least 10 days notice. If the cancellation is for any other reason, we
will give you at least 30 days notice.
Our mailing the notice of cancellation to you will be deemed proof of
notice. Coverage under this policy will terminate on the effective date
and hour stated on the cancellation notice. Your return premium, if
any, will be calculated on a pro rata basis and refunded at the time of
cancellation or as soon as possible. However, refund of unearned
premium is not a condition of cancellation.
Our Right Not to Continue Or Renew:
We have the right not to renew or continue the policy beyond the
current premium period. If we do not intend to continue or renew the
policy, we will mail you notice at least 30 days before the end of the
premium period. Our mailing the notice of non -renewal to you will
be deemed proof of notice.
Policy endorsement
Policy number: 815 378 442
Policy effective date: July 6, 2018
Any unearned premium amounts under $2.00 will be refunded only
upon your request.
B. The Action Against Us provision is deleted.
C. The Arbitration provision is replaced by the following:
Arbitration
Any claim or dispute in any way related to this policy, by an insured
person against us or us against an insured person, may be resolved
by arbitration only upon mutual consent of the parties. Arbitration
pursuant to this provision shall be voluntary and non-binding, subject
to the following:
1. no arbitrator shall have the authority to award punitive
damages or attorney's fees;
2. neither of the parties shall be entitled to arbitrate any claims or
disputes in a representative capacity or as a member of a class;
and
3. no arbitrator shall have the authority, without the mutual
consent of the parties, to consolidate claims or disputes in
arbitration.
Punitive damages means damages imposed to punish a wrongdoer
and to deter others from similar conduct.
D. The following provisions are added:
Conditional Reinstatement
If we mail a cancellation notice because you did not pay the required
premium when due and you then tender payment by check, draft, or
other remittance which is not honored upon presentation, your
policy will terminate on the date and time shown on the cancellation
notice and any notice we issue which waives the cancellation or
reinstates coverage is void. This means that we will not be liable
under this policy for claims or damages after the date and time
indicated on the cancellation notice.
Loss Reduction And Other Items
From time to time and at our sole discretion:
1. we may provide you, or allow others to provide you, with:
a) items, memberships, special offers, merchandise, points,
rewards, airline miles, services, classes, seminars or other
things of value designed to help you or other persons
insured under this policy manage the risks you or they
face, including, but not limited to, loss reduction or
safety-related items; or
b) items, memberships, special offers, merchandise, points,
rewards, airline miles, services, classes, seminars or things
of any other type that we think may be of value to you or
someone else insured under this policy.
2. we may make, or allow others to make, one or more of the
following: charitable contributions, donations, or gifts.
Page 3 of 6
These items, memberships, special offers, merchandise, points,
rewards, airline miles, services, classes, seminars, charitable
contributions, donations, gifts, or other things of value may be
provided in any form, including, but not limited to, redemption codes,
coupons, vouchers and gift cards.
II. In Section I—Your Property the following changes are made:
A. Under Property We Cover Under Coverage C, item 1 is replaced by
the following:
1. Personal property owned or used by an insured person
anywhere in the world. When personal property is located away
from the residence premises, coverage is limited to 10% of
Personal Property Protection -Coverage C.
This limitation does not apply to personal property:
a) in a newly acquired principal residence for the 30 days
immediately after you begin to move property there; or
b) in use at a temporary residence when a direct physical loss
we cover makes your residence premises uninhabitable.
B. Under losses We Do Not Cover Under Coverages A and B, item B
is replaced by the following:
B. Under Dwelling Protection -Coverage A and Other
Structures Protection -Coverage B of this policy, we do not
cover:
any loss consisting of or caused by mold, fungus, wet rot,
dry rot or bacteria that is not the direct result of a loss
otherwise covered by this policy. This includes any loss
which, in whole or in part, arises out of, is aggravated by
or results from mold, fungus, wet rot, dry rot or bacteria
that is not the direct result of a loss otherwise covered by
this policy.
2. remediation of mold, fungus, wet rot, dry rot or bacteria
whether or not the remediation is the direct result of a
loss otherwise covered by this policy. Remediation means
the treatment, removal or disposal of mold, fungus, wet
rot or dry rot.
C. Under Losses We Do Not Cover Under Coverage C, item B is
replaced by the following:
B. Under Personal Property Protection -Coverage C of this
policy, we do not cover:
1. any loss consisting of or caused by mold, fungus, wet rot,
dry rot or bacteria that is not the direct result of a loss
otherwise covered by this policy. This includes any loss
which, in whole or in part, arises out of, is aggravated by
or results from mold, fungus, wet rot, dry rot or bacteria
Policy endorsement
Policy number:
Policy effective date
July
my 6, 2018 378 442 Page 4 of 6 ` A I I state
You're in good hands.
that is not the direct result of a loss otherwise covered by
this policy.
2. remediation of mold, fungus, wet rot, dry rot or bacteria
whether or not the remediation is the direct result of a
loss otherwise covered by this policy. Remediation means
the treatment, removal or disposal of mold, fungus, wet
rot or dry rot.
III. In Section I Additional Protection, the followings changes are made:
A. Item 1, Additional Living Expense is replaced by the following:
Additional Living Expense
We will pay the reasonable increase in living expenses
necessary to maintain your normal standard of living when a
direct physical loss we cover under Dwelling
Protection -Coverage A, Other Structures
Protection -Coverage B or Personal Property
Protection -Coverage C makes your residence premises
uninhabitable.
Payment for additional living expense as a result of a covered
loss under Dwelling Protection -Coverage A, Other
Structures Protection -Coverage B or Personal Property
Protection -Coverage C will be limited to the least of the
following:
a) the time period required to repair or replace the property
we cover, using due diligence and dispatch;
b) if you permanently relocate, the shortest time for your
household to settle elsewhere; or
c) 24 months.
These periods of time are not limited by the termination of this
policy.
In no event shall our payment for additional living expenses
exceed the Limit Of Liability shown on your Policy Declarations
for Additional Living Expense.
We do not cover any lost income or expense due to the
cancellation of a lease or agreement.
No deductible applies to this protection.
B. Item 2, Civil Authority is replaced by the following:
2. Civil, Governmental And Military Authorities
We will pay the reasonable and necessary increase in living
expenses for up to two weeks should civil, governmental or
military authorities prohibit the use of the residence premises
due to a loss at a neighboring premises caused by an event,
peril or condition we insure against under Dwelling
Protection -Coverage A, Other Structures
Protection -Coverage B or Personal Property
Protection -Coverage C.
The two-week period of time referenced.above is not limited by
the termination of this policy.
No deductible applies to this protection.
IV. In Section I Conditions, the following changes are made:
A. Under item 5, How We Pay For A Loss, in provision c), the first
paragraph is replaced by the following:
Building Structure Reimbursement. Under Dwelling
Protection -Coverage A and Other Structures
Protection -Coverage B, we will make additional payment to
reimburse you for cost in excess of actual cash value if you repair,
rebuild or replace damaged, destroyed or stolen covered property
within 180 days of the actual cash value payment. This additional
payment includes the reasonable and necessary expense for
treatment or removal and disposal of contaminants or pollutants as
required to complete repair or replacement of that part of a building
structure damaged by a covered loss.
B. Item 7, Appraisal is replaced by the following:
7. Appraisal
If you and we fail to agree on the amount of loss, either party
may make written request for a voluntary and non-binding
appraisal. If you and we agree to the appraisal, each party must
select a competent and impartial appraiser and notify the other
of the appraiser's identity within 20 days after you and we
agree to the appraisal. The appraisers will select a competent
and impartial umpire. If the appraisers are unable to agree upon
an umpire within 15 days, you or we can ask a judge of a court
of record in the state where the residence premises is located
to select an umpire. The appraisers shall then determine the
amount of loss, stating separately the actual cash value and the
amount of loss to each item. If the appraisers submit a written
report of an agreement to you and to us, the amount agreed
upon shall be the amount of loss. If they cannot agree, they will
submit their differences to the umpire. A written award agreed
upon by any two will determine the amount of loss. Each party
has a right to trial on all issues in a court of competent
jurisdiction. Costs, including attorney fees, are to be paid by the
party incurring them.
Each party will pay the appraiser it chooses, and equally bear
expenses for the umpire and all other appraisal expenses.
C. Item 10, Our Rights To Recover Payment is replaced by the
following:
10. Our Rights To Recover Payment
Policy endorsement
Policy number: 815 378 442
Policy effective date: July 6, 2018
When we pay for any loss, an insured person's right to recover
from anyone else becomes ours up to the amount we have paid.
An insured person must protect these rights and help us
enforce them. However, the insurer would be entitled to
recovery only after the insured has been fully compensated for
the loss sustained. You may waive your rights to recover
against another person for loss involving the property covered
by this policy. This waiver must be in writing prior to the date
of the loss.
D. Item 12, Action Against Us is replaced by the following:
12. Action Against Us
No one may bring an action against us unless there has been
full compliance with all policy terms.
E. Item b) of the "We will:" paragraph of the Mortgagee provision is
replaced by the following:
We will:
b) give the mortgagee at least 10 days notice if we cancel this
policy for nonpayment of premium, or at least 20 days notice if
we cancel for any other reason.
F. Item 19, Mold, Fungus, Wet Rot And Dry Rot Remediation As A
Direct Result Of A Covered Water loss is deleted.
V. In Section II—family Liability And Guest Medical Protection, the
following changes are made:
A. Under Losses We Do Not Cover Under Coverage X, item 9 is
replaced by the following:
9. We do not cover any property damage which results in any
manner from vapors, fumes, smoke, smog, soot, alkalis, acids,
toxic chemicals, toxic gasses, toxic liquids, toxic solids, waste
materials, or other irritants, contaminants or pollutants.
We will not apply this exclusion to such property damage
which is the direct result of a hostile fire. Hostile fire means a
fire which becomes uncontrollable or breaks out from where it
was intended to be.
B. Under Section 11 Conditions, item 7, Action Against Us is replaced
by the following:
Action Against Us
a) No one may bring an action against us unless there has
been full compliance with all policy terms.
b) No one may bring an action against us under Family
Liability Protection -Coverage X unless the obligation of
an insured person to pay has been finally determined
either by judgment against the insured person after
actual trial, or by written agreement of the insured
person, injured person and us.
Page 5 of 6
c) No one shall have any right to make us a party to an
action to determine the liability of an insured person.
All other policy terms and conditions apply.
The following endorsement changes your policy.
Please read this document carefully and keep it with your policy.
Windstorm and Hail Deductible Endorsement -
AVP82 (2016)
Under Section 1 Conditions, Conditions 1, "Deductible," the following is
added:
Windstorm And Hail Deductible
The windstorm and hail deductible applies in the event of covered loss
caused by windstorm or hail.
The windstorm and hail deductible amount will appear on your Policy
Declarations. We will pay only when a covered loss to which this
deductible applies exceeds the windstorm and hail deductible amount.
We will then pay only the excess amount.
If another deductible applicable to the loss exceeds the windstorm and
hail deductible, the greater deductible will be applied to the loss.
All other provisions of your policy apply.
The following endorsement changes your policy.
Please read this document carefully and keep it with your policy.
Roof Surfaces Endorsement - AVP247
This endorsement applies to roof surface(s) damaged or destroyed by
windstorm or hail.
In Section 1 Conditions, under item 5, How We Pay For A Loss, the following
changes are made:
A. In provision a) (titled "Special Payment."), the following paragraph is
added:
This Special Payment provision does not apply to roof surface(s) when
the loss is caused by windstorm or hail.
B. In provision b) (titled "Actual Cash Value."), the following paragraph is
added:
This Actual Cash Value provision does not apply to roof surface(s) when
the loss is caused by windstorm or hail.
0
0
0
0
Policy endorsement
Policy number: 815 378 442
Policy effective date: July 6, 2018
C. The following provision (titled "Roof Surface.") is added to condition 5
(titled "How We Pay For A Loss"):
e) Roof Surface. In the event of a covered loss to roof surface(s)
damaged or destroyed by windstorm or hail, we will pay the
smallest of the following amounts:
1) the repair cost of the part(s) of the roof surface(s) damaged
or destroyed by windstorm or hail; or
2) the Roof Surface Payment Schedule amount, which is the
applicable percentage(s) of the replacement cost of the roof
surface(s) damaged or destroyed by windstorm or, hail as
indicated in the Roof Surface Payment Schedule below.
However, in no event shall our payment for any loss to the building
structure(s) or other structure(s), including any payments made
under this Roof Surface provision, exceed the applicable Limit Of
Liability as shown on the Policy Declarations for Dwelling
Protection -Coverage A or Other Structures
Protection -Coverage B (or, when applicable, any extended
coverage limits due to the application of the Building Structure
Reimbursement Extended limits Endorsement), regardless of the
number of building structures and structures other than building
structures involved in the loss.
Payment under this Roof Surface provision will not include any
increased cost due to the enforcement of building codes, ordinances
or laws regulating or requiring the construction, reconstruction,
maintenance, replacement, repair, relocation or demolition of
building structures or other structures.
Roof Surface Payment Schedule
The applicable percentage in this chart will apply to all roof surface
components and installation including the applicable overhead,
profit, labor, taxes and fees associated with replacement of the roof
surface(s).
Page 6 of 6 ` A 11 state m
You're in good hands.
Age of
Roof
Composition Slate
Roof Surface Material Type
Tile Wood Metal
All Other
Roof Surface
Material Types
0
1
100°h
97%
100%
99%
--
100%
98%
100%
98%
100%
99%
----1--
100%— _ I
97% — .
2
94%
980A
96%
96°,5
i 98%
94%
3
j 91%
97%
1 94%
94%
1 97%
91% !
4
88%
96%
92%
92%
i 96%
88%
5
85%
95%
90%
90%
95%
85%
6
82%
94%
88%
88%
940A
j 82%
7
79%
93%
1 86%
86%
! 93%
79% --�
8
76%
92%
i 84°�
84°h
1 92%
76%
9
73%
91%
82%
82%
j 91%
73%
10
70%
90%
1 80%
80%
i 90%
70%
11
67%
89%
78%
78%
189%
L 67% _
12
64%
88%76%
1
76%
88%
164%
13 _
61%
87%
74%
74% 87%
61% J
14
58%
86%
72°h
72%
86%
58°h
15
55%
85%
70%
70%
1 85%
55%
16
1 52%
84%
i 68%
68%
84%
52%
17
49%
83%
66%
66%
j 83%
49%
18
46%
82%
64°h
64°h
182°h
46°h _^
19
43%
81%
62%
62°x5
j 81%
43%
20
40%
j 80%
60%
60%
80%
40%
21
37%
79%
j 58%
58%
179%
37%
22
34%
j 78%
56%
56%
78%
34%
23
1 31%
77
54%
177%
31%
24
28%
76°5
52°h
52%
76%
28%
25
25%
75%
j 50%
50%
175%
25% i
26
25%
74%
48%
48%
74%
25%
27
25%
73% 46%
46%
173%
j 25%
28
25%
721
44%
72%
25%_—�J
29_
25%
_
71%
42%
42%
(_71%
25%
30 or
Over
25%
700%
40%
40% 70%
25%---
The Roof Surfaces Endorsement provisions apply in addition to the applicable
deductible.
All other policy terms and conditions apply.
Important notices
Policy number: 815.378 442
Policy effective date: July 6, 2018
Page 1 of 8
Your Estimated Home Replacement Cost home's characteristics is provided in the "Insured property
details" section of your Policy Declarations.
Allstate has determined that the estimated cost to replace
your home is: $254,349.
We based your estimated cost on information provided by you
and selected data that was available to us, which is described
in the "Insured property details" section of your Policy
Declarations. Please review all the information in this section
to ensure the accuracy of the information used to determine
the estimated replacement cost of your home.
The enclosed Policy Declarations shows the limit of liability
applicable to Dwelling Protection -Coverage A of your
homeowners insurance policy. The estimated replacement
cost of your home is the minimum amount for which we will
insure your home.
The decision regarding the limit applicable to your Dwelling
Protection -Coverage A is your decision to make, as long as, at
a minimum, your limit equals the estimated replacement cost
as determined by Allstate and does not exceed maximum
coverage limitations established by Allstate.
It is important to keep in mind that your Coverage A limits
reflect a replacement cost that is only an estimate based on
data that was available to us when we made this estimate (this
information is described in the "Insured property details"
section of your Policy Declarations). The actual amount it will
cost to replace your home cannot be known until after a
covered total loss has occurred. Please keep in mind that we do
not guarantee the adequacy of the estimate to cover any future
loss(es).
How Is the Replacement Cost Estimated?
Many factors can affect the cost to replace your home,
including its age, size, and type of construction. For example,
the replacement cost uses construction data, such as labor and
materials, that are available to us when we made this estimate.
This estimate is also based on characteristics of the home,
which include information that you provided to us. You might
have chosen to insure your home for a higher amount than the
estimated replacement cost shown above.
Note to Customers Renewing Their Policy
The estimated replacement cost for your home may have
changed since the last time we communicated this information
to you. This is because, at renewal, Allstate uses the home
characteristics that you have provided to us to recalculate and
update the estimated replacement cost. Using updated labor
and material rates for your zip code, Allstate takes the home
characteristics you have provided and determines the updated
estimated replacement cost. The information about your
If the information about your home shown in your Policy
Declarations requires any change or if you have any questions
or concerns about the information contained in this Important
Notice, please contact your Allstate representative, or call us
at 1-800-ALLSTATE.
X73182
Address Confirmation Request
Please Confirm Your Current Address
As you may know, we base our property insurance rates, in
part, on where a customer's property is located. According to
our records, the location of the dwelling your property policy
covers is:
Address: 983 and 985 Lewis
City/Village/Township: Fayetteville
State: AR
Zip: 72701
County: Washington
We ask that you please review this information to make sure
the address we've listed above is accurate. If you see any
information that is incorrect, please contact your Allstate
representative as soon as possible and provide them with the
correct information. Once we receive your updated
information, we will send you an Amended Policy Declarations
and, if necessary, adjust your insurance premium to reflect the
updated information.
If the information above is correct, you do not need to contact
us. Feel free to contact your Allstate representative with any
questions you may have about this notice.
X72770
About Your Roof Surface Coverage
We want to make sure you're aware that in the event of
covered windstorm or hail damage to your roof surface, we will
provide coverage under your policy's Roof Surfaces
Endorsement. With this endorsement, we will pay for covered
windstorm or hail damage to your roof surface as outlined in
the Roof Surface Payment Schedule included in the
endorsement. (Note: This endorsement only applies to
windstorm or hail damage to your roof surface; other types of
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Important notices
Policy number: 815 378 442 Page 2 of 8 WAllstate,
Policy effective date: July 6, 2018
You're in good hands.
covered losses, such as fire, are handled as described in your After subtracting the $1,000 deductible, we would pay you:
policy.) $3,000.
The Roof Surface Payment Schedule gives you specific,
detailed information about your coverage in the unfortunate
event of windstorm or hail damage to your roof surface. While,
in many situations, we may not provide a full roof surface
replacement, our new Payment Schedule can help you plan for
these situations and more effectively manage the care and
maintenance of your roof.
In addition, we can provide you with information about
contractors and other resources to help you assess the
condition of your roof and make even more informed decisions
about how to best protect your home and keep it in Good
Hands® for many years to come.
How the Roof Surface Payment Schedule Works
To help you understand how the Roof Surface Payment
Schedule works, we've provided two generic examples below.
As you review them, please refer to the Roof Surface Payment
Schedule in the Roof Surfaces Endorsement enclosed in your
policy package, which outlines how this coverage would apply
to various roof types of various ages.
Example #1:
If you have a composition roof surface that is twenty years old
and it suffers windstorm or hail damage in a covered loss, we
would pay for the smallest of the following amounts:
• The repair cost of the part(s) of the roof surface(s)
damaged or destroyed by windstorm or hail, minus your
deductible, or
• 40% of the replacement cost of the roof surface(s)
damaged or destroyed by windstorm or hail, minus your
deductible, or
• The Limit Of Liability under Dwelling Protection -Coverage
A or Other Structures Protection -Coverage B shown on the
Policy Declarations that applies to the damaged or
destroyed roof surfaces)—minus your
deductible—regardless of the number of buildings or other
structures involved in the loss.
If we add the following hypothetical numbers to this example
(the replacement cost of the roof is $10,000 and the
deductible is $1,000), we get the following result:
40% of this $10,000 replacement cost is: $4,000.
Here's a graphic depiction of what we just described:
Description
Loss
Total
Allstate
Pays
You Pay
Roof replacement cost
$10,000
Insurance coverage
(40% of replacement
cost)
$4,000
$6,000
Your deductible applied
($1,000)
1 $1,000
Total
1
1$3,000
$7,000
Example #2:
If you have a composition roof surface that is seven years old
and it suffers windstorm or hail damage in a covered loss, we
would pay for the smallest of the following amounts:
The repair cost of the part(s) of the roof surface(s)
damaged or destroyed by windstorm or hail, minus your
deductible, or
79% of the replacement cost of the roof surface(s)
damaged or destroyed by windstorm or hail, minus your
deductible, or
The Limit Of Liability under Dwelling Protection -Coverage
A or Other Structures Protection -Coverage B shown on the
Policy Declarations that applies to the damaged or
destroyed roof surfaces)—minus your
deductible—regardless of the number of buildings or other
structures involved in the loss.
If we add the following hypothetical numbers to this example
(the replacement cost of the roof is $10,000 and the
deductible is $1,000), we get the following result:
79% of this $10;000 replacement cost is: $7,900.
After subtracting the $1,000 deductible, we would pay you:
$6,900.
Here's a graphic depiction of what we just described:
Description
Loss
Total
Allstate
Pays
You Pay
Roof replacement cost
$10,000
Insurance coverage (79%
of replacement cost)
$7,900
$2,100
Your deductible applied
($1,000)
$1,000
Total
$6,900
$3,100
Important notices
Policy'number: 815 378 442
Policy effective date: July 6, 2018
If you have questions about these examples—or about the Roof
Surface Payment Schedule in general—please contact your
Allstate representative to discuss them.
An Additional Coverage Option
If you recently replaced your roof surface—or are planning on
making this change—please send us documents reflecting this
work, such as a copy of an invoice for the work on your roof
surface. We will inspect your roof, and you may be able to
purchase Roof Surface(s) Extended Coverage, which, in the
event of covered windstorm or hail damage to your roof
surface, may reduce your out-of-pocket expenses.
Again, we know you may have questions about this topic. If so,
please feel free to contact your Allstate representative.
X73360 • Other expenses—covers other expenses involved in
restoring your identity, such as mailing costs, notary
expenses and long-distance phone calls.
Page 3 of 8
• Attorneys fees (subject to applicable coverage limits)—in
case you need to hire an attorney to defend you if lawsuits
are brought against you by merchants or collection
agencies, if you need help to remove criminal or civil
judgments wrongly entered against you, or to challenge
information contained in your credit report.
• Lost wage recovery (up to $250/day with a $5,000
cap)—this will help cover wages or salary you may lose if
you need to take time off work to complete affidavits or
meet with law enforcement agencies, financial institutions,
credit grantors, credit reporting agencies or attorneys.
• Loan reapplication fees—this covers your expenses if you
need to reapply for loans denied you solely because the
lender received incorrect information due to identity theft.
Identity Theft Expenses Coverage—
Coverage for Identity Theft Victims
While modern technology has made our lives easier, it has also
made it easier for thieves to commit identity theft.
Thieves begin by gaining access to personal information such
as your Social Security Number, date of birth and driver's
license number. They then use this information to set up fake
accounts, open loans, rent housing, secure employment or
even obtain medical care—all without you even knowing.
As this crime grows increasingly common, consumers need
options for dealing with the costs and hassles related to
identity theft—that's why we're offering Identity Theft
Expenses Coverage.
For Just $30 per Year, You Can Get Help to Restore
Your Good Name
Now Allstate has a product that can help you if your identity is
stolen. You can add this optional coverage to your property
policy for just a few dollars a month—a small price to pay for
peace of mind—especially when you consider that while other
insurance companies typically require a deductible for similar
protection, with Allstate there is no deductible.
Allstate Takes Identity Theft Expenses Coverage a
Step Further
If you purchase this coverage, we'll reimburse you for covered
expenses you incur to restore your identity up to a $25,000
coverage limit. That's more than most companies offer for this
type of coverage. This coverage includes reimbursement for:
You Can Get Help If You Become a Victim
If you become a victim of identity theft, you probably won't
know all that is involved in restoring your name. There are
many issues you would need help with, including:
• Understanding your rights as an identity theft victim.
• Filling out paperwork, including police reports.
• Issuing a Fraud Alert to the three major credit bureaus, as
well as Social Security Administration, Federal Trade
Commission, and U.S. Postal Service.
• Obtaining copies of your credit bureau reports.
• Working with the three major credit bureaus to restore the
accuracy of your credit history.
• Reviewing your credit history to verify if fraud includes
items such as public records (liens, judgments,
bankruptcies); credit accounts; or errors with addresses/
prior employment.
• Issuing a fraud alert to affected financial institutions and
credit card companies.
• Tracing Social Security Numbers and notifying and working
with the Department of Motor Vehicles, collection
agencies for creditors, and law enforcement personnel.
This may seem overwhelming, but our Identity Theft Expenses
Coverage can help. With it, if you decide to hire a firm to help
you address identity theft issues such as these, you will have
up to $2,000 available to pay for their services. In addition, we
may refer you to a firm that specializes in addressing the
effects of identity theft.* In either case, if you have this
coverage you'll have peace of mind knowing you can get help to
restore your identity.
Important notices
Policy number: 815 378 442
Policy effective date: July 6, 2018
Are You in Good Hands®?
With Allstate you're getting more than great products and
service. You get a team of people who know insurance and give
you the freedom to manage your insurance your way. To sign
up for Identity Theft Expenses Coverage, or for more
information, just call your Allstate representative or log on to
allstate.com.
* Referrals, if any, are solely at the discretion of Allstate. Identity Theft Expenses
Coverage is subject to policy terms. Please read the policy endorsements carefully.
X71831-1
Additional Protection for Your Most
Valuable Possessions
Property insurance covers many belongings, but some items
may require higher coverage limits than those in a standard
property policy.
Scheduled Personal Property (SPP) coverage gives you
additional protection against loss or damage to your valuables.
It's protection not typically provided with standard property
coverage. SPP benefits typically include:
• No deductibles to meet
• Coverage for lost or damaged items
• Coverage for valuables kept in a storage location outside
your home
Items That May Need the Extra Protection
SPP coverage provides protection for an array of valuable
personal property. Here are some of the items you can protect
by purchasing SPP coverage through Allstate:
• Jewelry (including wedding rings and precious or
semi-precious stones)
• Furs
• Cameras (digital, still, movie, video and related
equipment)
• Silverware and antiques (including furniture)
• Musical instruments
• Collections (stamps, coins, music)
• Fine art works (including paintings, etchings, vases and
sculptures)
• Manuscripts or books
• Home -office equipment (laptop, computer, audio/visual)
• Sports equipment (such as golf clubs)
Page 4 of 8 `` All state o
You're in good hands.
Affordable Protection for Your Valuables
The cost of SPP coverage varies, but the value of your property
is the best way to determine how much coverage you need.
The rates are generally a small percentage of the total value of
the items you're insuring. This means that your valuables are
being protected for only a fraction of the cost.
Regularly Review Your SPP Coverage
Even if you currently have SPP coverage, it's a good idea to
review it annually. It's possible that the value of your property
has changed or that you've purchased new items that have not
been added to your coverage.
To learn more about SPP coverage, or if you have any questions
about your insurance policy in general, contact your Allstate
representative, or visit us at allstate.com.
X73169
What You Should Know About Flood
Insurance
Most homeowners, renters and commercial insurance policies
do not provide coverage for flood damage. In fact, protection
against floods is generally available only through a separate
policy.
That's why Allstate is a participant in the National Flood
Insurance Program (NFIP) and offers standard flood insurance
policies.* A flood insurance policy can help complete the
insurance protection for your property and help protect your
financial well-being.
You May Have More Risk from Flood Than You
Think
Approximately 90 percent of all disasters in the U.S. are flood
related. While you may think that it couldn't happen to you,
over 25 percent of all flood losses occur in low- to
moderate -risk areas.
What's more, flood damage is often accompanied by other
damage, such as wind and hail (which is typically covered
under a property policy). So if you purchase your NFIP
coverage through Allstate, you would have the convenience
and peace of mind that comes with working with just one claim
adjuster and one agent, instead of two or more for a flood
claim.
Flood Coverage Is Affordable
The federal government sets the rates for flood insurance, so
there's typically no difference in rates from policy to policy.
You can switch to an NFIP flood insurance policy administered
Important notices
Policy number: 815 378 442
Policy effective date: July 6, 2018
by Allstate for the same amount of premium you may be paying
elsewhere. If you choose Allstate, you can have the quality
service you've come to expect from us.
For more information about flood insurance, or if you have any
questions about your policy in general, please contact your
Allstate representative or visit us at allstate.com.
Page 5 of 8
Dallas, TX 75266-0598
Arkansas Insurance Department
If neither your Allstate agent nor a representative at the offices
listed above can resolve your question or concern, you can
always contact the Arkansas Insurance Department's
Consumer Services Division:
* Allstate provides the standard flood insurance policy under the terms of the
Arkansas Insurance Department
National Flood Insurance Act of 1968 and its amendments, and Title 44 of the
1200 West Third Street
Code of Federal Regulations. The standard flood insurance policy is written by
Little Rock, AR 72201
Allstate for the National Flood Insurance Program which is administered by the
1-501-371-2640 or 1-800-852-5494
Federal Insurance Administration, part of the Federal Emergency Management
Agency.
Thank you for choosing Allstate to help you protect what you
have today and help you prepare for the future.
Subject to availability and qualifications. Other terms, conditions and exclusions may
X3201-7
apply.
X73168
You're Receiving the Responsible
How We Compensate Our Agencies Payment Discount
The company listed below uses local agencies to assist
customers with their insurance decision-making process by
providing customers with information and high quality service.
These agencies provide numerous services to customers on
the company's behalf. Agencies are paid a commission by the
company for selling and servicing the company's insurance
policies and may be eligible to receive additional compensation
and rewards based on performance.
Allstate Vehicle and Property Insurance Company
Important Addresses and Phone
Numbers
As an added benefit of being an Allstate customer, you're
receiving our Responsible Payment Discount on your House &
Home policy.
Here's how the Responsible Payment Discount works. From
this point on, you will continue to receive this discount:
If you pay your premium in full.
If you pay your premium through a third party (e.g.,
escrow).
X72006-1 a If we do not send you a cancellation notice for
nonpayment of premium (the billing notice we send when
we don't receive your payment on time).
If you have questions or concerns about your Allstate policy
and coverage, you can contact your Allstate agent or
representative at the addresses and phone numbers listed
below.
Your Agent
To contact your agent, please refer to your Policy Declarations
for your agent's name and phone number.
Allstate
To contact Allstate directly, you can call 1-800-ALLSTATE
(1-800-255-7828) or write to us at the following address:
Allstate Insurance Company
PO Box 660598
- If we send you a cancellation notice for nonpayment of
premium and your policy renews, the discount will be
reduced at renewal, which may cause your overall
insurance premium to increase.
- If this discount is reduced because of a cancellation
notice, we will add it back to your policy at renewal if
no cancellation notices for nonpayment of premium
have been sent to you within the most recent
twelve-month period ending 45 days prior to your
renewal effective date.
Payment Options to Help You Save Money
We want you to continue saving money with the Responsible
Payment Discount, so we offer several ways to make paying
your bills fast and easy.
• You can sign up for the AllstatO Easy Pay Plan, which
allows us to deduct your insurance premiums each month,
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Important notices
Policy number: 815 378 442
Policy effective date: July 6, 2018
or in full, from your checking account. You'll save on
postage, have fewer checks to write, and have the monthly
installment fee reduced.
• You can also pay your premium over the phone with either
a check or credit card. Simply call us toll-free at
1-800-ALLSTATE. You'll be asked for your policy number
when you pay by phone, so it's a good idea to have your
policy documents in hand before you call.
• You can set up an escrow account to ensure your
premiums are paid on time. (Please contact your mortgage
lender for more information on setting up an escrow
account.)
• You can choose to pay your premium in full.
Have Questions? Please Contact Us
If you have any questions about the Responsible Payment
Discount, or if you'd like more information about the different
bill paying options available to you, please contact your
Allstate representative, or call us toll-free at 1-800-ALLSTATE.
X73075
Did Extraordinary Circumstances Affect
Your Credit Information?
Allstate understands that people sometimes face difficult
circumstances. If extraordinary life events have negatively
affected your credit history, you may request that we consider
this when we review your credit information, as part of the
policy rating process. These extraordinary life circumstances
include:
• Divorce
• Death of a Spouse or Member of the Same Household
• Involuntary Unemployment
• Catastrophic Medical Expense
• Care of Adult Dependent
• Identity Theft
• Long -Term Injury, Illness or Disability
• Care of a Dependent Grandchild
• Domestic Violence
Your Next Steps
If you believe any of these experiences have negatively
affected your credit history, please contact your Allstate
representative or call Allstate directly at 1-877-304-2644. If
you decide you want us to review your information, please give
Page 6 of 8 WAllstate.
You're in good hands.
us a call within 90 days of the date your policy begins (as
shown in your Policy Declarations).
What You Can Expect
If you contact us, we will send you an Extraordinary
Circumstances Appeal Form to complete and return to us. We
also will ask you to provide any documentation that will help
your appeal. Once we receive your Extraordinary
Circumstances Appeal Form and supporting documentation,
we will evaluate your appeal and determine whether or not you
qualify for a lower premium. In any case, you will be notified of
the outcome of our review.
Thank You
Allstate values and appreciates your business. We look
forward to helping protect what's important to you for many
years.
X73217
Important Information About Your
Credit -Based Insurance Score
Please take a moment to read the notice immediately following
this insert containing important information about our use of
consumer reports and your rights under the federal Fair Credit
Reporting Act. In that notice, we explain why we order credit
reports and explain how important it is for you to check the
accuracy of that information.
In the state where we issued your policy we are required by law
to inform you of certain factors in your credit report(s)
adversely affecting your credit -based insurance score. The
most significant of these factors are:
The average number of months that accounts are listed on the
credit report: Generally, the longer your average age of
accounts, the more favorable your insurance score will be.
Those with the most favorable insurance scores often have an
average age of accounts of 16 years or longer.
The presence of at most one account within the past five years:
Generally, if you have two or more accounts on your credit
report, you may receive a more favorable insurance score.
However, having too many accounts may also make your
insurance score worse.
If you have any questions about your credit -based insurance
score, please contact your Allstate representative. You can
also contact us about this information at
Allstate Customer Retention Center
555 Marriott Drive, Suite 700
Important notices
Policy number:
Policy effective date:
Nashville, TN 37214
1-800-844-7402
1-888-503-0048
www.transunion.com
Page 7 of 8
815 378 442
July 6, 2018
Consumer Report Information and Its
Impact on Your Insurance
If you have any questions regarding this notice or your policy in
general, please contact your insurance representative.
XF3
XF4 Consumer Report Information and Its
In an effort to keep insurance costs as competitive as possible
for the greatest number of policyholders, we may consider
certain prior insurance information, prior insurance loss
information and motor vehicle reports (MVR), when
determining our customers' eligibility, premiums and payment
options. We're writing now to let you know we recently
ordered consumer report information about you and, if
applicable, another insured person named on your policy, and
we are providing you with additional details about this process
Based in whole or in part on the information provided to us by
Current Carrier Database (CCDB),Comprehensive Loss
Underwriting Exchange (CLUE), Allstate Vehicle and Property
Insurance Company could not offer you a lower rate.
Please keep in mind that the consumer reporting agency(ies)
did not make the decision to take this adverse action and will
not be able to provide you with any specific reasons regarding
why we took this action. Also, any changes to your name or
address within the past two years can affect the completeness
of your file with the consumer reporting agency(ies). If your
information has changed, please let your insurance
representative know.
Under Section 612 of the Fair Credit Reporting Act, you have
the right to obtain a free copy of your report(s) provided to us
by the consumer reporting agency listed below if you request it
within 60 days of receiving this notice. You also have the right,
under Section 611 of the Fair Credit Reporting Act, to dispute
with the consumer reporting agency the accuracy or
completeness of any information in the consumer report(s)
furnished by the agency.
To request your report, you may contact the appropriate
consumer reporting agency at:
LexisNexis Risk Solutions
PO Box 105108
Atlanta, GA 30348-5108
Phone: (800) 456-6004
www.consumerdisclosure.com
Impact on Your Insurance
Many factors play a role in determining your insurance
premium. Among the factors we consider are the following:
where you live, the coverages and limits you've chosen and
discount eligibility. In addition, we use consumer reporting
agency information for eligibility and rating purposes. The
federal Fair Credit Reporting Act requires us to inform you
when we take adverse action based on a consumer report.
As permitted by law, we ordered credit report information
about you - the named insured on the policy.
Based in whole or in part on the information provided by
TransUnion National Disclosure Center, the rate that we are
able to offer you is higher than what it would have been if we
had not taken your credit history into account: based on the
credit information available to us.
You May Request a Free Credit Report
Under Section 612 of the Fair Credit Reporting Act, you have
the right to obtain a free copy of your consumer report from
TransUnion if you request it within 60 days of receiving this
notice (even if the report did not contain any information
regarding credit status). You also have the right, under Section
611 of the Fair Credit Reporting Act, to dispute with TransUnion
the accuracy or completeness of any information in any
report(s) furnished by the agency.
If you'd like a free copy of your credit report, be sure to make
your request within 60 days of receiving this notice. You can
contact the reporting agency at:
TransUnion National Disclosure Center
2 Baldwin Place
PO Box 1000
Chester PA 19022
Phone: 1-888-503-0048
www.transunion.com
Please keep in mind that the consumer reporting agency did
not make the decision to take this adverse action and will not
be able to provide you with any specific reasons regarding why
we took this action. Also, any changes to your name or address
within the past two years can affect the completeness of your
Important notices
Policy number: 815 378 442
Policy effective date: July 6, 2018
report. If your information has changed, please let your
insurance representative know.
Have Questions? Please Contact Your Allstate
Representative
We hope you will take advantage of these rights and help us
give you the lowest premium we can provide. If you have any
questions about the information contained in this notice, or
about your insurance in general, please contact your insurance
representative.
The Connection Between Credit History and
Premium
We determine premiums using the information you provide on
your insurance application, as well as using other factors.
Certain credit report information has proved an effective
predictor of insurance losses. It also allows us to keep costs
competitive by helping make it possible for customers who are
less likely to experience losses to pay less for their insurance.
Keep in mind we use credit history in addition to, not instead
of, our other characteristics. By considering this information,
we can match likelihood of loss to premium even more
precisely, and we think that's good for our customers. It allows
us to keep insurance costs as competitive as possible for the
greatest number of policyholders. You can also learn more
about our use of credit information by visiting allstate.com.
XF2
Page 8 of 8 WAllstate.
You're in good hands.
Privacy Statement
Policy number: 815 378 442
Policy effective date: July 6, 2018
Thank you for choosing Allstate. We value you, respect your
privacy and work hard to protect your personal information.
This statement is provided on behalf of Allstate Insurance
Company and the affiliates ("Allstate") listed at the end of this
notice. We would like to explain how we collect, use and share
the information we obtain about you in the course of doing
business.
Our Privacy Assurance
• We do not sell your personal or medical information to
anyone.
• We do not share your information with non -affiliate
companies that would use it to contact you about their
own products and services, unless permitted pursuant to a
joint marketing agreement.
• We require persons or organizations that represent or
assist us in servicing your policy and claims to keep your
information confidential.
• We require our employees to protect your personal
information and keep it confidential.
As you can see, protecting your personal information is
important to us. In addition to the practices described above,
we use a variety of physical, technical and administrative
security measures that help to safeguard your information. For
Social Security Numbers (SSN), this includes restricting access
to our employees, agents and others who use your SSN only as
permitted by law: to comply with the law, to provide you with
products and services, and to handle your claims. Also, our
employees' and agents' access to and use of your SSN are
limited by the law, our policies and standards, and our written
agreements.
Our privacy practices continue to apply to your information
even if you cease to be an Allstate customer.
What Personal Information Do We Have and Where
Do We Get It
We gather personal information from you and from outside
sources for business purposes. Some examples of the
information we collect from you may include your name, phone
number, home and e-mail addresses, driver's license number,
Social Security Number, marital status, family member
information and healthcare information. Also, we maintain
records that include, but are not limited to, policy coverages,
premiums, and payment history. We also collect information
from outside sources including, but not limited to, insurance
support organizations that assemble or collect information
about individuals for the purpose of providing to insurance
companies. This information may include, but is not limited to,
Page 1 of 2 WAllstate,
You're in good hands.
your driving record, claims history, medical information and
credit information.
In addition, Allstate and its business partners gather
information through Internet activity, which may include, for
example, your operating system, links you used to visit
allstate.com, web pages you viewed while visiting our site or
applications, Internet Protocol (IP) addresses, and cookies. We
use cookies, analytics and other technologies to help:
• Evaluate our marketing campaigns
• Analyze how customers use our website and applications
• Develop new services
• Know how many visitors have seen or clicked on our ads
Also, our business partners assist us with monitoring
information including, but not limited to, IP addresses, domain
names and browser data, which can help us to better
understand how visitors use allstate.com.
How We Use and Share Your Personal Information
In the course of normal business activities, we use and share
your personal information. We may provide your information
to persons or organizations within and outside of Allstate. This
would be done as required or permitted by law. For example,
we may do this to:
• , Fulfill a transaction you requested or service your policy
• Market our products
• Handle your claim
• Prevent fraud
• Comply with requests from regulatory and law
enforcement authorities
• Participate in insurance support organizations
The persons or organizations with whom we may share your
personal information may include, among others:
• Your agent, broker or Allstate -affiliated companies
• Companies that perform services, such as marketing,
credit card processing, and performing communication
services on our behalf
• Business partners that assist us with tracking how visitors
use allstate.com
• Other financial institutions with whom we have a joint
marketing agreement
• Other insurance companies that play a role in an insurance
transaction with you
• Independent claims adjusters
• A business or businesses that conduct actuarial or
research studies
• Those who request information pursuant to a subpoena or
court order
• Repair shops and recommended claims vendors
The Internet and Your Information Security
Privacy Statement
Policy number: 815 378 442
Policy effective date: July 6, 2018
We use cookies, analytics and other technologies to help us
provide users with better service and a more customized web
experience. Additionally, our business partners use tracking
services, analytics and other technologies to monitor visits to
allstate.com. The website may also use Web beacons (also
called "clear GIFs" or "pixel tags") in conjunction with cookies.
If you prefer, you can choose to not accept cookies by changing
the settings on your web browser. Also, if you would like to
learn about how we gather and protect your information over
the Internet, please see our online privacy statement located at
the bottom of the allstate.com homepage.
To learn more, the allstate.com Privacy Statement provides
information relating to your use of the website. This includes,
for example, information regarding:
1) How we collect information such as IP address (the
number assigned to your computer when you use the
Internet), browser and platform types, domain names,
access times, referral data, and your activity while using
our site;
2) Who should use our website;
3) The security of information over the Internet; and
4) Links and co -branded sites.
How You Can Review and Correct Your Personal
Information
You can request to review your personal information contained
in our records at any time. To do this, please send a letter to
the address below requesting to see your information for the
previous two years. If you believe that our information is
incomplete or inaccurate, you can request that we correct it.
Please note we may not be able to provide information relating
to investigations, claims, litigation, and other matters. We will
be happy to make corrections whenever possible.
Please send requests to:
Allstate Insurance Company Customer Privacy Inquiries
PO Box 660598
Dallas, TX 75266-0598
Your Preference for Sharing Personal Information
We would like to share your personal information with one or
more Allstate affiliates in order to make you aware of different
products, services and offers they can provide. However, you
can request that Allstate and its affiliate companies not share
your personal information with our affiliates for marketing
products and services.
To request that we not allow other Allstate affiliates to use
your personal information to market their products and
services, you can contact us by calling 1-800-856-2518
twenty-four hours a day, seven days a week. Please keep in
mind that it may take up to four weeks to process your request.
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If you previously contacted us and asked us not to allow other
Allstate affiliates to use your personal information, your
previous choice still applies and you do not need to contact us
again. If you would like to change your previous choice please
call the number above at any time.
We Appreciate Your Business
Thank you for choosing Allstate. We understand your concerns
about privacy and confidentiality, and we hope this notice has
been helpful to you. We value our relationship with you and
look forward to keeping you in Good Hands@.
If you have questions or would like more information, please
don't hesitate to contact your Allstate agent or call the Allstate
Customer Information Center at 1-800-ALLSTATE.
We reserve the right to change our Privacy practices,
procedures, and terms.
Allstate Insurance Company
Allstate entities on which behalf this notice is provided and
amongst which information may be shared:
The Allstate family of companies, LSA Securities, Deerbrook
General Agency, Inc., Deerbrook Insurance Company, North
Light Specialty Insurance Company, Northbrook Indemnity
Company.
Please Note: Allstate affiliates American Heritage Life
Insurance Company, Castle Key Insurance Company and
Castle Key Indemnity Company participate in information
sharing with the affiliates listed above, but have a separate
privacy notice for their customers.
(ed. 10/2015)
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