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American Family Mutual Insurance Company, S.I.

Claim Scanning Center
6000 American Parkway
Madison, WI 53783-0001
November 26, 2018 P: 800.692.6326 x21871 C: 502.475.2954
F: 855.841.0115 jlavicto@amfam.com

LOWELL E WHITEHEAD AND KATHY J Claim Number: 01001050548

WHITEHEAD Date of Loss: 10/25/2018
5208 E Polk Rd
Lexington, IN 47138-8864

The attached estimate of damages has been prepared for your property. The estimate has used common prices for
labor and material from your area.

Enclosed is our draft for the actual cash value (today's replacement cost less depreciation) of your damaged property. For
Dwelling and Structure damages, we may have included your mortgage company, WESBANCO BANK INCORPORATED,
on the draft as required by your policy.

Summary For Coverage A - Dwelling

Replacement Cost Value Less Recoverable Less Non Recoverable Actual Cash Value (ACV)
Depreciation Depreciation

$6,769.87 ($3,843.30) $2,926.57

Less Deductible ($500.00)
Total ACV Settlement $2,426.57

See the enclosed estimate for details of your settlement which may include other itemized details not shown above.

If you wish to make a claim for the recoverable depreciation amount, you must do TWO things:
1. You must have the item(s) replaced or repaired within one year from your date of loss. *Exception: Georgia and
Washington policies ONLY - Please refer to your policy language as well as the section of this estimate titled
Claiming Recoverable Depreciation following the Estimate Recap or Coverage Limit Details sections.
2. You must submit a final repair bill or purchase receipt showing the item(s) has been repaired or replaced.

The attached estimate is what we expect to be the reasonable cost to repair or replace the property. This estimate may not
include permit fees. If total charges for repair/replacement plus permits exceed the amount shown here for that
repair/replacement, prior to any deductible, then additional amounts may be payable. If the actual cost is more or less, the final
payment will be adjusted accordingly. If you wish, you may repair or replace with higher quality items, however, you will be
responsible for any increase in cost.

Please refer to your policy under either CONDITIONS - SECTION I or HOW WE SETTLE LOSSES - SECTION I for further
details on determining your loss settlement.

Please present this estimate to a contractor or repair facility of your choice BEFORE you authorize the start of repairs. If any
additional damage or costs are identified, for which you believe we should be responsible, they must be approved by a
representative of American Family Insurance prior to having the additional work done. If you, your contractor, or repair
facility have any questions, please contact us at (800) 692-6326 x 21871.
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American Family Mutual Insurance Company, S.I.

American Family Insurance appreciates your business.

Thank You,
Janet LaVictoire

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American Family Mutual Insurance Company, S.I.

Insured: LOWELL E WHITEHEAD AND KATHY J Phone: (812) 820-0219

WHITEHEAD
5208 E Polk Rd
Lexington, IN 47138-8864
Claim Rep.: Janet LaVictoire
Estimator: Janet LaVictoire

Claim Number: 01001050548 Policy Number: 13PA311801 Type of Loss: Hail

Coverage Deductible Policy Limit
Coverage A - Dwelling $500.00 $133,400.00
Coverage A - Dwelling Extension $0.00 $13,340.00
Coverage B - Personal Property $0.00 $131,300.00
Option 13 - Other Structures $0.00 $6,000.00

Date Contacted: 11/15/2018

Date of Loss: 10/25/2018 1:00 PM
Date Est. Completed: 11/26/2018 9:14 PM

Price List: INNA8X_NOV18_1

Restoration/Service/Remodel

Sales Taxes: Material Sales Tax @ 7.000%

Manuf. Home Tax @ 7.000%
Storage Tax @ 7.000%

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American Family Mutual Insurance Company, S.I.

Estimate Recap For Coverage A - Dwelling

Recoverable Non-recoverable
Description RCV Depreciation Depreciation ACV
AMFAM_28_GROUPING_TR - House - Exterior - R2 6,471.67 3,800.67 0.00 2,671.00

AMFAM_28_GROUPING_TR - House - Exterior - 163.98 42.63 0.00 121.35

Fascia

Labor Minimums Applied 134.22 0.00 0.00 134.22

6,769.87 3,843.30 0.00 2,926.57

IMPORTANT - Please read the definitions below

What is replacement cost (RCV)?
Replacement cost is the cost to repair the damaged item with an item of like kind
and quality, without deduction for depreciation.

What is depreciation?
Depreciation is the amount deducted from the replacement cost based upon the
age and condition of the item being replaced.

What is actual cash value (ACV)?

Actual cash value is based on the cost to repair or replace the damaged item
with an item of like kind and quality, less depreciation.

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American Family Mutual Insurance Company, S.I.

LOWELL_E_WHITEHEAD_A
AMFAM_28_GROUPING_TR
House
Exterior
R2
1906.76 Surface Area 19.07 Number of Squares 240.63 Total Perimeter Length
32.10 Total Ridge Length 55.94 Total Hip Length
Description Replacement Less Actual Cash
Qty Unit Price Taxes Cost Total Depreciation Value

The following line items account for the replacement of the roof of this structure.

The percentage of depreciation was based on our inspection of your roof, its age of 13 years, condition, and useful life.

The waste factor applied includes any/all necessary hip/ridge cap, starter row and normal installation waste.

1. Tear off, haul and dispose of comp. shingles - 3 tab

19.07 SQ $43.08 $0.00 $821.54 -$484.71 (59%) $336.83

2. Add. layer of comp. shingles, remove & disp. - 3 tab

19.07 SQ $27.07 $0.00 $516.22 -$304.57 (59%) $211.65

3. Material Only 3 tab - 25 yr. - comp. shingle roofing - w/out felt

20.97 SQ $77.78 $114.17 $1,745.22 -$1,029.68 (59%) $715.54
This line item includes a material allowance which reflects current material pricing in your economic region.

4. Install Only 3 tab - 25 yr. - comp. shingle roofing - w/out felt

20.97 SQ $72.08 $0.00 $1,511.52 -$891.80 (59%) $619.72

5. Remove Additional charge for steep roof - 7/12 to 9/12 slope

19.07 SQ $11.43 $0.00 $217.97 -$128.60 (59%) $89.37

6. Replace Additional charge for steep roof - 7/12 to 9/12 slope

19.07 SQ $27.20 $0.00 $518.70 -$306.03 (59%) $212.67

7. Replace Roofing felt - 15 lb.

19.07 SQ $20.79 $7.14 $403.61 -$238.13 (59%) $165.48

8. Replace Drip edge

240.63 LF $1.59 $10.44 $393.04 -$231.89 (59%) $161.15

9. Replace Flashing - pipe jack

2.00 EA $28.64 $1.29 $58.57 -$34.56 (59%) $24.01

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American Family Mutual Insurance Company, S.I.

R2 continued...
Description Replacement Less Actual Cash
Qty Unit Price Taxes Cost Total Depreciation Value
10. Replace Roof vent - turtle type - Metal
6.00 EA $41.48 $6.55 $255.43 -$150.70 (59%) $104.73

11. Replace Digital satellite system - Detach & reset

1.00 EA $29.85 $0.00 $29.85 -$0.00 $29.85

Totals $139.59 $6,471.67 -$3,800.67 $2,671.00

Fascia
Description Replacement Less Actual Cash
Qty Unit Price Taxes Cost Total Depreciation Value

12a. Remove Fascia - metal - 6"

36.00 LF $0.28 $0.00 $10.08 -$2.62 (13/50yr) $7.46
12b. Replace Fascia - metal - 6"
36.00 LF $4.17 $3.78 $153.90 -$40.01 (13/50yr) $113.89
Upper front elevation

Totals $3.78 $163.98 -$42.63 $121.35

Labor Minimums Applied

Description Replacement Cost Less
Qty Unit Price Total Depreciation Actual Cash Value

13. Siding labor minimum

1.00 EA $134.22 $134.22 -$0.00 $134.22

Totals $134.22 -$0.00 $134.22

Replacement Cost Less

Taxes Total Depreciation Actual Cash Value

Estimate Totals $143.37 $6,769.87 -$3,843.30 $2,926.57

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