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Davies - North America

A USAA Provider
PO Box 33490
San Antonio, TX 78265
8/1/2024
Insured: DANIEL COOLEY Cell: (585) 447-7641
Home: 1276 TUCKALEECHEE TRL E-mail: dancooley123123@gmail.com
MARYVILLE, TN 37803-4350
Property: 1276 Tuckaleechee Trl
Maryville, TN 37803-4350

Claim Rep.: Andrew Blurton Business: (423) 716-6334

Business: PO Box 33490 San Antonio, TX 78265

Estimator: Andrew Blurton Business: (423) 716-6334

Business: PO Box 33490 San Antonio, TX 78265

Member Number: 042587804 Policy Number: 042587804-90A L/R Number: 800

Type of Loss: Hail Cause of Loss: Other
Insurance Company: USAA GENERAL INDEMNITY COMPANY
Coverage Deductible Policy Limit
Dwelling $2,200.00 $220,000.00
Dwelling - Code Upgrade $0.00 $0.00
Other Structures $0.00 $22,000.00

Date Contacted: 7/30/2024 2:11 PM

Date of Loss: 5/25/2024 8:00 PM Date Received: 7/30/2024 11:21 AM
Date Inspected: 7/31/2024 2:12 PM Date Entered: 7/30/2024 11:33 AM
Date Est. Completed: 8/1/2024 9:46 PM

Price List: TNKN8X_JUL24

Restoration/Service/Remodel

Summary for Dwelling

Line Item Total 6,945.68
Material Sales Tax 228.94

Replacement Cost Value $7,174.62

Less Deductible (2,200.00)

Net Claim $4,974.62

Andrew Blurton

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DANIEL COOLEY 8/1/2024 Page: 2

Insured: DANIEL COOLEY Cell: (585) 447-7641

Home: 1276 TUCKALEECHEE TRL E-mail: dancooley123123@gmail.com
MARYVILLE, TN 37803-4350
Property: 1276 Tuckaleechee Trl
Maryville, TN 37803-4350

Claim Rep.: Andrew Blurton Business: (423) 716-6334

Business: PO Box 33490 San Antonio, TX 78265

Estimator: Andrew Blurton Business: (423) 716-6334

Business: PO Box 33490 San Antonio, TX 78265

Member Number: 042587804 Policy Number: 042587804-90A L/R Number: 800

Type of Loss: Hail Cause of Loss: Other
Insurance Company: USAA GENERAL INDEMNITY COMPANY
Coverage Deductible Policy Limit
Dwelling $2,200.00 $220,000.00
Dwelling - Code Upgrade $0.00 $0.00
Other Structures $0.00 $22,000.00

Date Contacted: 7/30/2024 2:11 PM

Date of Loss: 5/25/2024 8:00 PM Date Received: 7/30/2024 11:21 AM
Date Inspected: 7/31/2024 2:12 PM Date Entered: 7/30/2024 11:33 AM
Date Est. Completed: 8/1/2024 9:46 PM

Price List: TNKN8X_JUL24

Restoration/Service/Remodel

Summary for Dwelling - Code Upgrade

Line Item Total 0.00

Replacement Cost Value $0.00

Net Claim $0.00

Dwelling - Code Upgrade Paid When Incurred

Line Item Total 424.66
Material Sales Tax 14.37
Replacement Cost Value $439.03
Total Paid When Incurred $439.03
Net Claim $0.00

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DANIEL COOLEY 8/1/2024 Page: 3

Net Claim if Additional Amounts are Recovered $439.03

Andrew Blurton

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DANIEL COOLEY 8/1/2024 Page: 4

Insured: DANIEL COOLEY Cell: (585) 447-7641

Home: 1276 TUCKALEECHEE TRL E-mail: dancooley123123@gmail.com
MARYVILLE, TN 37803-4350
Property: 1276 Tuckaleechee Trl
Maryville, TN 37803-4350

Claim Rep.: Andrew Blurton Business: (423) 716-6334

Business: PO Box 33490 San Antonio, TX 78265

Estimator: Andrew Blurton Business: (423) 716-6334

Business: PO Box 33490 San Antonio, TX 78265

Member Number: 042587804 Policy Number: 042587804-90A L/R Number: 800

Type of Loss: Hail Cause of Loss: Other
Insurance Company: USAA GENERAL INDEMNITY COMPANY
Coverage Deductible Policy Limit
Dwelling $2,200.00 $220,000.00
Dwelling - Code Upgrade $0.00 $0.00
Other Structures $0.00 $22,000.00

Date Contacted: 7/30/2024 2:11 PM

Date of Loss: 5/25/2024 8:00 PM Date Received: 7/30/2024 11:21 AM
Date Inspected: 7/31/2024 2:12 PM Date Entered: 7/30/2024 11:33 AM
Date Est. Completed: 8/1/2024 9:46 PM

Price List: TNKN8X_JUL24

Restoration/Service/Remodel

Summary for Other Structures

Line Item Total 7,215.07
Material Sales Tax 217.84

Replacement Cost Value $7,432.91

Net Claim $7,432.91

Andrew Blurton

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DANIEL COOLEY 8/1/2024 Page: 5

"IT IS A CRIME TO KNOWINGLY PROVIDE FALSE, INCOMPLETE OR MISLEADING

INFORMATION TO AN INSURANCE COMPANY FOR THE PURPOSE OF DEFRAUDING THE
COMPANY. PENALTIES INCLUDE IMPRISONMENT, FINES AND DENIAL OF INSURANCE
BENEFITS." TN CODE §56-53-111
Please contact our adjuster if you believe a supplement to this estimate is needed. Before we will consider a supplement to this
estimate, we must have the opportunity to re-inspect the damages prior to the supplemental work being done.

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 How to read your Watch:
How to understand
homeowners repair estimate your repair estimate

Your estimate, simplified.

Making sure you’re getting paid the right amount for your claim is important to us. Use this guide to
help you understand your payment or visit usaa.com/estimateFAQ for more answers.

The following information may not be applicable if you have a flood claim.

Estimate overview
Deductible - The amount you chose to
pay out of pocket for a claim. We’ll
Policy coverage - Items covered automatically subtract this from your
by your policy, such as dwelling, claim payout. You only need to pay the
contents, other structures, loss of use, repair company.
liability, and sublimits.
Policy limit - The max amount your
policy may pay for each coverage type.
Price list - Market prices for labor
and materials, based on your claim
date and location.

Line-item total - The total cost of the Estimate summary

itemized repairs for the coverage. Replacement cost value or RCV -
The estimated cost to repair or replace
Overhead and profit - The amount covered items with new ones.
your contractor charges for
repair services.
Less depreciation - Subtract the value
your property has lost due to age or
Net claim - The amount we’ll
condition. If in parentheses, you may
pay up front for covered repairs.
request to be paid back up to this
Recoverable depreciation - If you amount once repairs are complete,
have replacement coverage, you'll depending on your costs. Simply submit
be paid back depreciation based your invoice online.
on repair costs once you submit Itemized details
the final invoice. Actual cash value or ACV - What
your property was worth at the time
Line-items - A description of the of the damage, after subtracting
items needed to repair or replace depreciation. This is the amount
covered damages, with their cost insurance will pay up front for
according to the price list. repairs, minus your deductible.

Line-item total - The total cost of the

itemized repairs for the coverage, using
the calculation: RCV minus Depreciation
equals ACV.

How we determine your payment Example of a calculated payment

$10,000
First payment
We take the cost to replace or repair covered damage, then subtract Replacement cost value
value lost due to wear and tear, as well as your out-of-pocket policy
cost. Use this payment to start repairs. -$500 Depreciation

Additional payments, if applicable

For consideration of additional covered cost, you can submit a -$1,000 Deductible

supplement for your claim through the Claims Center on our mobile
app or usaa.com.
$8,500 First payment

This material is for informational purposes only. For an actual description of all
coverages, terms and conditions, refer to the insurance policy.

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Recap of Taxes

Material Sales Tax P Ppty Material Tax P Ppty Cleaning Tax Storage Rental Tax State Food Tax (4%) Local Food Tax
(9.75%) (9.75%) (9.75%) (9.75%) (2.75%)

Line Items
446.78 0.00 0.00 0.00 0.00 0.00

Total
446.78 0.00 0.00 0.00 0.00 0.00

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DANIEL COOLEY 8/1/2024 Page: 8

DANIEL_COOLEY
SKETCH1
Dwelling

Flat Roof Roof

11" F10
17' 28' 6"

Back slope test square - 8 hits (A2) 1376.63 Surface Area 13.77 Number of Squares
7' F1 (A)
27' 1"

150.44 Total Perimeter Length 50.50 Total Ridge Length

7' 11" 7' 11"

Roof
8' 4" 8' 4"
5' 11"
5' 7"
15' 10"

F8 (A)
Roof1 (1) Front slope test square - 8 hits (A1)
F2

50' 6"

Description Quantity Unit Price RCV Depreciation ACV

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

SQ 13.77 SQ 60.89 838.46 (0.00) 838.46
2. Laminated - comp. shingle rfg. - w/out felt
SQ 15.33 SQ 260.21 3,989.02 (0.00) 3,989.02
Component RFG300 from this line item was priced by ITEL Asphalt Shingle Pricing (ASP) on 31 Jul 2024. See attached document
for more details.
3. Roofing felt - 15 lb.
SQ-(VAL*0.03) 13.26 SQ 38.22 506.80 (0.00) 506.80
4. Ice & water barrier
VAL*3 51.00 SF 1.90 96.90 (0.00) 96.90
This item did not previously exist or expands the scope of repairs, but is required by current building codes. The code upgrade cost is
payable when incurred, subject to limits.
5. R&R Drip edge
150.44 150.44 LF 3.49 525.03 (0.00) 525.03
6. Hip / Ridge cap - Standard profile - composition shingles
R+HIP 50.50 LF 6.17 311.59 (0.00) 311.59
7. Continuous ridge vent - shingle-over style
R-4 46.50 LF 11.06 514.29 (0.00) 514.29
8. Flashing - pipe jack
2 2.00 EA 55.81 111.62 (0.00) 111.62

Totals: Roof 6,796.81 0.00 6,796.81

Front Elevation

Description Quantity Unit Price RCV Depreciation ACV

no storm related damage

Totals: Front Elevation 0.00 0.00 0.00

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Right Elevation

Description Quantity Unit Price RCV Depreciation ACV

no storm related damage

Totals: Right Elevation 0.00 0.00 0.00

Rear Elevation

Description Quantity Unit Price RCV Depreciation ACV

no storm related damage

Totals: Rear Elevation 0.00 0.00 0.00

Left Elevation

Description Quantity Unit Price RCV Depreciation ACV

no storm related damage

Totals: Left Elevation 0.00 0.00 0.00

Shed

30' 11" Roof

10' 10"
10' 3"

F1 (A) 668.08 Surface Area 6.68 Number of Squares

105.05 Total Perimeter Length 30.92 Total Ridge Length
20' 6"

Roof
10' 10"
10' 3"

F2 (B)

Description Quantity Unit Price RCV Depreciation ACV

9. R&R Metal roofing - ribbed - 26 gauge - up to 1"

SF 668.08 SF 8.30 5,545.06 (0.00) 5,545.06
10. R&R Hip / Ridge cap - metal roofing
R 30.92 LF 11.08 342.59 (0.00) 342.59

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CONTINUED - Roof

Description Quantity Unit Price RCV Depreciation ACV

11. Drip edge
105.05 105.05 LF 3.12 327.76 (0.00) 327.76
This item did not previously exist or expands the scope of repairs, but is required by current building codes. The code upgrade cost is
payable when incurred, subject to limits.

Totals: Roof 5,887.65 0.00 5,887.65

Total: Shed 5,887.65 0.00 5,887.65

Carport

20' 5" Roof

282.43 Surface Area 2.82 Number of Squares
68.50 Total Perimeter Length
13' 10"
13' 10"

Roof
F1

Description Quantity Unit Price RCV Depreciation ACV

12. R&R Wall/roof panel - corrugated - 29 gauge

SF 282.43 SF 4.70 1,327.42 (0.00) 1,327.42

Totals: Roof 1,327.42 0.00 1,327.42

Total: Carport 1,327.42 0.00 1,327.42

Debris Removal

Description Quantity Unit Price RCV Depreciation ACV

13. Haul debris - per pickup truck load - including dump fees
1 1.00 EA 148.87 148.87 (0.00) 148.87

Totals: Debris Removal 148.87 0.00 148.87

Total: Dwelling 14,160.75 0.00 14,160.75

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Total: SKETCH1 14,160.75 0.00 14,160.75

Line Item Totals: DANIEL_COOLEY 14,160.75 0.00 14,160.75

Grand Total Areas:

0.00 SF Walls 0.00 SF Ceiling 0.00 SF Walls and Ceiling
0.00 SF Floor 0.00 SY Flooring 0.00 LF Floor Perimeter
0.00 SF Long Wall 0.00 SF Short Wall 0.00 LF Ceil. Perimeter

0.00 Floor Area 0.00 Total Area 0.00 Interior Wall Area
3,782.76 Exterior Wall Area 0.00 Exterior Perimeter of
Walls

2,496.10 Surface Area 24.96 Number of Squares 360.96 Total Perimeter Length
81.42 Total Ridge Length 0.00 Total Hip Length

Coverage Item Total % ACV Total %

Dwelling 6,945.68 49.05% 7,174.62 49.12%
Dwelling - Code Upgrade 0.00 0.00% 0.00 0.00%
Other Structures 7,215.07 50.95% 7,432.91 50.88%
Total 14,160.75 100.00% 14,607.53 100.00%

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Recap by Room

Estimate: DANIEL_COOLEY

Area: SKETCH1

Area: Dwelling
Roof 6,796.81 48.00%
Coverage: Dwelling 100.00% = 6,796.81

Area: Shed
Roof 5,887.65 41.58%
Coverage: Other Structures 100.00% = 5,887.65

Area Subtotal: Shed 5,887.65 41.58%

Coverage: Other Structures 100.00% = 5,887.65

Area: Carport
Roof 1,327.42 9.37%
Coverage: Other Structures 100.00% = 1,327.42

Area Subtotal: Carport 1,327.42 9.37%

Coverage: Other Structures 100.00% = 1,327.42
Debris Removal 148.87 1.05%
Coverage: Dwelling 100.00% = 148.87

Area Subtotal: Dwelling 14,160.75 100.00%

Coverage: Dwelling 49.05% = 6,945.68
Coverage: Other Structures 50.95% = 7,215.07

Area Subtotal: SKETCH1 14,160.75 100.00%

Coverage: Dwelling 49.05% = 6,945.68
Coverage: Other Structures 50.95% = 7,215.07

Subtotal of Areas 14,160.75 100.00%

Coverage: Dwelling 49.05% = 6,945.68
Coverage: Other Structures 50.95% = 7,215.07

Total 14,160.75 100.00%

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Recap by Category

Items Total %
GENERAL DEMOLITION 148.87 1.02%
Coverage: Dwelling @ 100.00% = 148.87
METAL STRUCTURES & COMPONENTS 1,327.42 9.09%
Coverage: Other Structures @ 100.00% = 1,327.42
ROOFING 12,684.46 86.84%
Coverage: Dwelling @ 53.58% = 6,796.81
Coverage: Other Structures @ 46.42% = 5,887.65
Subtotal 14,160.75 96.94%
Material Sales Tax 446.78 3.06%
Coverage: Dwelling @ 51.24% = 228.94
Coverage: Other Structures @ 48.76% = 217.84

Total 14,607.53 100.00%

FREQUENTLY ASKED QUESTIONS

The FAQ's and answers below will be helpful in the claim process. If there is any conflict between these answers and the policy,
your policy controls. Please read your policy.

How is my initial Dwelling payment determined?

Subject to the applicable deductible and policy conditions, Dwelling payments are generally based on the cost to repair or replace
the damaged property with similar construction and for the same use on the same premises. When the cost to repair or replace the
damaged dwelling exceeds $5000, USAA will pay a portion of the claim up front (the actual cash value of the loss), and the
balance (recoverable depreciation) when the repairs are complete.

How do I collect the recoverable depreciation?

Where initial payment for Dwelling loss is in the amount of Actual Cash Value, to receive additional amounts (recoverable
depreciation), you must complete the actual repair or replacement of the damaged part of the property. When repair or
replacement is actually completed, the policy will pay the covered additional amount you actually and necessarily incurred to
repair or replace the property, but not to exceed the approved replacement cost of your claim (our cost). In no case will USAA
pay more than the total amount of the actual repairs less your policy deductible.

Why is the check made out to me and someone else (or some other company)?
If your check includes the name of your mortgage company it is because we are required to include their name on our payment to
you, per the mortgage clause on your policy. The check must be presented to them for their endorsement prior to submitting it to
our bank for payment. Incomplete endorsements will result in the check being returned without payment. Please contact us if the
mortgagee information is incorrect so that we may update that information and issue a correct payment to you.

What if I'm not going to repair or replace my damaged property using the same material?
Please contact us if you choose to repair or replace the damaged building part with a different material or type of construction
from what is on our estimate. Replacement or repair differing from the original estimate could affect any replacement cost claim
you are otherwise eligible to collect.

What if my contractor's estimate is different from USAA's estimate?

Show the USAA estimate to your contractor. If your contractor's estimate is higher, please contact USAA prior to starting the
repairs to your home as the additional charges may not be covered.

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