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29-403 It is certainly not too late to help all the insured, without discriminating based on gender, income, marital status, and nationality, thus working towards a fair insurance — agent — adjuster - contractor — consumer market place. THANK YOU Vanessa Bronson A final opinion. It is understood by me today, that given the relationship that Robert Daniels has with Florence Savings Bank and FSB's prejudice behavior towards me in the management of our joint mortgage, combined with the adjusting activities of this claim, why Finck & Perras, Attorney Charles Dolan, and Florence Savings Bank have each authored defaming documents about me. These documents, Finck & Perras activity log and Robert Daniels letter dated of February 11, 2009, Florence Savings Bank apology letter dated September 13, 2010 signed by Cheryl Scully, and Charles Dolan's letter of March 16, 2010 have not been written for my eves. Rather they were designed to influence specific groups such as arbitration boards, judges, and public authorities. The problem with these cited documents is that they are riddled with false information and fabricated activities. The exact reasons and origin for these peoples HATE towards me I cannot reason with exactness, but my suspicion is that the origination is Florence Savings Bank's loan department. IF Steve in fact was able to take control of the mortgage and maintain control long enough to run the mortgage into pre - foreclosure by stating 1 wanted a "home improvement equity loan "; and then a pipe burst in the unfinished bathroom. Well, this is pretty close to what I hear being whispered in this city. BUT I employ you to simply look at Attorney Luekens letter; I had asked Steve for "an equity loan that would allow me to retain an attorney" for the sole purpose of divorce. Further, I'm not the party that wants the house. Regardless, Dolan didn't have to be negligent; he was paid extremely well by Shea and myself. I like what I designed and enjoyed choosing the various items. In the end Louis, there is no response to be made by you to me. Accuracy of documentation in the City of Northampton is an unrealistic request. People say and write what they want, regardless of truth. I guess I did not write this for you or the cowards who do their dealings in the shadows; whispering their lies to avid ears. Nor for the general contractor with his lawyer in tow, who cheated us both in money and in quality of workmanship. No, this is written simply to bring awareness to the general public and to those people who could work toward change. Page 29 of 30 be notarized? Pricilla stated that someone in the office could do this for me. We ended our discussion amicably. The only thing left is for Shea /George Butler Adjusters to send the final adjustment papers. After I remind him of this, I received them in the mail. We arrange a meeting. The papers are signed and Shea hands me checks dated October 5` BUT I make a written statement to Commerce Insurance as to the disposition of the Instar at this point in time. I hand the original Instar invoice to Shea and ask that he sign to acknowledge receipt of such. Commerce Insurance NEVER asks me about my statement on these final settlement papers. NEVER. It is October 29, 2009 — the claim is settled. Problems persist that were evident even before the repairs were completed. I bring in a flooring person from Cowls and a drywall /painter. There are numerous correspondences between Dolan, Hampshire Flooring, and Dolan's lawyer, Charles Dolan. An event concerning Florence Savings Bank and what they claim to be an "administrative inadvertency" on their part, comes to my attentions in August 2010. It involved our mortgage and Florence Savings Bank's report to a credit reporting entity in August 2009. In September 2010, after filing a complaint with the Commissioner of Banks, Florence Savings Bank's credit reporting statements were removed from all my credit reports. However, this event disclosed a credit report request being made by Commerce Insurance also in August 2009. I was concerned, so I requested a copy of my file from Finck & Perras. The worst case scenario was that I would find a negative credit report sheet in my file. The "activity log" was yet another shock wave. I wanted to tell this story because over the past months through random coffee shop conversations, and especially as an enumerator for the 2010 Census, I have concluded that a problem exists with insurance people and contractors when claims are made by households with a single female. People's lives are unnecessarily harmed through the lack of information provided in the insurance claims process and the deceitful practices of some of those individuals who have Power over the insured. Small changes can have huge positive effects. Require that the homeowner be given a copy of the MGL's pamphlet at the time that they make the claim. Require insurance companies /agents /adjusters to provide to the insured and follow a protocol check list of the claims process. Now perhaps my experience is akin to Commerce Insurance. I went to other insurance companies' website to gather some information about the insurance process because no specific information was available on the Commerce Insurance website. So I surmise that all insurance companies are not alike in how they handle claims. Page 28 of 30 The building inspector's sign off sheet has March 25 as the final inspection. I send Shea /George Butler Adjusters a letter outlining housing expenses and additional costs incurred with the repairs. We set up a final visit date for late April. I have to cancel soon after making this arraignment due to an unanticipated need to help out my dad with a medical appointment. Final visit occurs early July. Paul's Plumbing bill was addressed. Housing expenses were talked about. Some random additional electrical costs, air filters, etc. were discussed. In the coming days I will ask for Shea /George Butler Adjusters's final write -up; he will demand the original cancelled checks paid to Dolan. Dolan had called Shea almost the very day of the last inspection — he wanted more money for his EXTRA charges, so he wanted Shea to settle the claim with me asap. By August 18 I simply wanted this over — I was experiencing a lot of illness. So I went to the post office during lunch to mail the cancelled check copies to Shea /George Butler Adjusters without having received his additional adjustment papers. There is a line at the window, so I go to my box first. This is when I receive the Instar's bill. Yet another "shock wave" runs through me. I call Shea /George Butler Adjusters immediately on my cell. I started out explaining to Shea how I just been at the post office to mail him those check copies and how the line at the window was long, I'm on a lunch break, so I went to my box first. I received in my box an invoice from Instar for close to $3000. [Here is the only occasion that I saw fit to use language with anyone during this claim] I said "You son - of- bitch, you lied to me!" Shea's initial response is "I do not lie." Shea continues repeating several times, each time in a louder voice with increasing harshness, "Throw it away. Just throw it in the trash RIGHT NOW." He ends by saying "Vanessa you need to trust me." I end with "I need to think on this for a moment." Reading off of this invoice, I call the number provided stating I wish to speak to Accounts Receivable. A lady named Priscilla comes on the line. I explain I just received this bill, what is this about? She is rightfully annoyed — all she knows is that a bill, invoice date January 29 is being questioned. I asked if she could read me the itemized charges. Pricilla tries, and then states that my folder had been removed; I tell her about Gary Grout's letter, dated February 11 where he stated that Instar would not be billing me. Pricilla says she would speak to her supervisor." We do not speak again until mid - October. I send a letter to Gary Grout on September 2nd restating what had occurred and my conversation with Pricilla. Please simply read the enclosed letter. I get NO RESPONSE with this letter. Shea /George Butler Adjusters calls me in early October stating Commerce wants this claim closed. He rattles numbers to me over the phone; I try to keep up with what he is saying. Shea states that he told Instar to send me a letter stating that would not be billing me, when I ask about the Commerce Insurance paying the Instar bill. I call Pricilla, who is very pleasant to me, and ask if she could just tell me where the bill was initially sent. Then I will present this information to Commerce Insurance. I said I understand that Instar wants some money for services they performed on my claim. I need you to work with me on this. Pricilla said she didn't understand what was going on; she only knows that Shea /George Butler Adjusters called her an instructed her to send me a letter stating that Instar will not be billing me. I said Okay. Can this letter Page 27 of 30 from his FSB annuity to pay; how his helper Rick was a full time employee with health benefits; and then the 'overhead' expenses he incurs; etc. I just want my life back. I contacted Shea /George Butler Adjusters and asked him with directness, did he promise Dolan all the insurance monies immediately if he was able to get Paul Graham's plumbing bill to him? He stated that issues with the contractor were entirely my problem. Then finished with the question of do I want my house repaired or not? Finck & Perras' activity log, 01/23/2009 10:15 AM writes this discussion as "Peter said that Vanessa is complaining that he spoke with the contractor rather than her." This is the LAST entry in the Finck & Perras activity log. If in fact this Finck & Perras activity log is an "activity log" recording the progress of the claim, then there ought to be an entry on or about October 29, 2009 stating that the claim had been settled. I put everything on hold. I haven't been sleeping at night. I wake up soaked with sweat only to experience such chills that I go into the basement and sit next to the pellet stove. I'm hungry, but I'm equally nauseous. Come January 29 I do write another credit card check to Dolan that he deposits, as with the first credit card check, in Florence Savings Bank. I now have some $20,000 in credit card debt. BUT the papers Shea /George Butler Adjusters sent give a figure that will cover this debt. I think I'm Okay. BUT I first must deal with Instar. I was up 72 hours straight writing that demand letter to Instar. I was relying heavily on web pages which is something I still am not comfortable in doing. Further, I did NOT have the Instar bill at this time in the claim — I won't see the bill until it arrives in my mail on August 18 ; interestingly, the invoice date on the Instar bill is January 29 I was very scared. This was an extremely bold move for me. But Gary Grout's immediate response and the words he wrote assured me later that it was the correct thing to have done. In Grout's letter, February 11, 2009, he states "I have informed your insurance agent and insurance adiusted that no bill will be sent to anyone for payment." There is NO mention of this event in the Finck & Perras activity log. Tension continues to build with the general contractor, Dolan. On February 24 Dolan presents me with his EXTRA charges in the amount of $7566.70! There is a story behind every charge. There is deceit involved in some of the charges. The Commerce Insurance building repairs check is dated February 26 I'll receive it on March 4th Page 26 of 30 I reread Shea's letter of January 7, 2009. "Instar will not be submitting a bill to this adjuster ". "...THIS ADJUSTER ". Who's left? Tina Yanczewski at Commerce Insurance is also an "adjuster ". I surmise that Instar is going forward with the lien on the claim monies. That is why Instar never, in more than 45 days, had sent a bill for their services. And we're in a recessionary period! The following week I receive Shea /George Butler Adjusters's Proof of Loss & Replacement Cost Form, dated January 23 That is 63 days after the date of the loss; the Commerce check is dated February 26 At this point in time, an additional $1700 was added to Dolan's job estimate per the electrician, who cited that some of the Federal Pacific Panels had been recalled and he could not add any circuits to it. So the electrician claimed that a new panel was deemed necessary. Dolan's job estimate is now $24112. The George Butler Adjusters' Loss & Replacement Cost Form has a figure of $24816.62 In March, when Shea /George Butler Adjusters sends the adjustment papers I will discover that Paul Graham's bill was not accounted for. The $705 dollars represented the medicine cabinet, $190, the vanity, $243; the "clean final" for $176 on Shea's adjustment I brought to Dolan's attentions in March, but Dolan laughingly told me that such cleaning activities was "girls work "; "R & R Furniture" for $192 — well the 'removal' was done by Instar while the 'replace' was done by me; clean basement water for $256 which Instar [ "extracted water "] claims to of done but actually was done by the NHFD; Shea gives $1000 for building permits on his adjustment, yet the building commissioner's office states $325.40 on their "Permit Listing Report ". When Dolan told me I had to pay out of pocket for the medicine cabinet and vanity I decided I didn't need a medicine cabinet and replaced the existing vanity with a pedestal sink. There are a fair amount of discrepancies between Dolan's job estimate and Shea /George Butler Adjusters' adjustment papers. The cost of replacing the ceilings not only differs, but Dolan's figures seem queer enough on their own — Dolan claims $1086 for a 12 x 17 kitchen ceiling and $476 for an 8 x 5 bathroom ceiling. I brought this to Shea's attentions upon my first reading, but I was cited for "complaining" by Shea. Commerce had deaf ears with my concerns, too. Finck & Perras has claimed that I was "thwarting every effort to keep the claim moving" and "throwing up roadblocks at every turn ". They have the building portion of the claim settlement papers completed and mailed to the insured. This is the single largest portion of the claim. This milestone is not deemed significant by Robert Daniels; there is NO mention of this event in Finck & Perras activity log. On the 23 of January, Dolan demands the remainder of the insurance monies, about another $10,000. I was extremely reluctant. I was feeling horrible as is. How can he demand full payment when I still have no shower, no flooring, no kitchen, and so on? Dolan argues 2 issues. First, Shea /George Butler Adjusters promised him all the claim monies when he got that Paul Graham's plumbing bill to him. Second, Dolan stated that if he was not given the monies by January 29 he'd have to find work elsewhere; he'd still come around, but just not as frequently. Hence, my job would take longer to complete. Then I hear about Dolan owing $3000 in taxes and how he is going to have to take money Page 25 of 30 address, Paul's plumbing is. As fate would have it, a company plow truck backs into my parked car. The tail light assembly and bumper suffered minor damages. But the tail light situation will prevent an inspection sticker. So okay. It's the other guy's insurance company, not mine —Commerce. Nope. Out of state insurance company, Philadelphia Indemnity. So with much apprehension, I go into my agent's office around 2:45 PM Thursday. A Mr. Robert Daniels handles the claim. Making the auto claim went well. But there were tensions on both sides of the desk. Robert Daniels is my agent for the homeowners policy thus, I stated that I was at an impasse with the claim. He refuses to discuss the claim. This is how Robert Daniels ended the discussion. l wrote his words down as he spoke. It appeared that he took pleasure in speaking the words and encouraged me to continue with my recording of such. This is what Robert Daniels spoke. "It's all documented. it's all documented. How you threw the adjuster out of your driveway. How you wouldn't let the adjuster onto your property. These accusations were made publicly. it was evident that others in the agency were aware of their existence, including the receptionist. The only adjuster 1 have ever dealt with for any matter, in all my years on the earth, to the best of my knowledge, is Peter Shea /George Butler Adjusters. I swear that there is not a single shred of truth to these accusations put forth by Robert Daniels of Finck and Perras Insurance Agency, so help me God. Vanessa Bronson I was completely wiped out by Daniels' words. But my anguish certainly brought great pleasure to Robert Daniels /Finck & Perras and Peter Shea /George Butler Adjusters and their many cohorts. How could Shea of spoken this lie about our November 24 meeting at my home. I don't believe I ever sent this to anyone. At this point in time, the only adjuster I had dealt with was Peter Shea /George Butler Adjusters, the male dressed for a conference room meeting smelling of aftershave. Leather shoes, finely groomed. It takes a while; I did several readings of the Instar contract and yes I have read the several pages of the Commerce insurance policy many times; I Gaogle the word "adjuster" much like I had Goggled the word "betterment ". i figure out that the guy who was dressed in an Instar sweatshirt and jeans, on both Wednesday Nov 26 and Fri Nov 28` who i thought was a supervisor of the cleaning crew, Jim Quinn, is now being referred to as an adjuster. I had wondered why that Instar letter, date December 5` did not mention the 2 hour visit to my home on Friday November 28 by Jim Quinn, Peter LaCamera, and an apprentice electrician. Now i understood. Page 24 of 30 Now the "Original estimated cost" is $8864.00 as written on Dolan's job estimate, page 1 of 1 with date 1/12/2009. Shea /George Butler Adjusters told me over the phone in late December he had accepted Dolan's figures and given the contractor the go ahead. When I asked for insurance adjustment papers to compare to Dolan's job estimate, Shea refuses, but Shea does send a letter to me dated January 7, 2009 stating that he has accepted the contractor's figures. But on January 12, 2009, Dolan's contract is now up to $22412.00. Shea still will not provide me with adjustment papers which obviously have changed dramatically. Further, Shea is sloppy with his words to me saying, "Oh ya, I approve Dolan's new figures." I have concerns. I discover later a check in my PO Box the very day I have written this check to Dolan. It is in the amount of $7500 from Commerce. It requires endorsements from Vanessa Bronson, Stephen A Brozo Jr and Florence Savings Bank so I know it is for repairs. I don't know what to do. If I endorse this check am I settling the claim? After all, Shea /George Butler Adjusters insists that the construction figures had been both determined and approved by him in late December. Something is not right. Now that we all have in front of us the Finck & Perras activity log, it is clear that there existed some very serious negative feelings towards me by Peter Shea /George Butler Adjusters, Robert Daniels /Finck & Perras, and Tina Yanczewski /Commerce Insurance from the onset of this claim. Yet they let the claim value more than double without any dialogue whatsoever. So I hold onto this check. Well, while my car was legally parked at a small supermarket in Easthampton, a pickup truck with a trailer hitch and plow on it accidently backs into my tail light and bumper. He was a nice young man in a company truck who had been paying close attention to his plow clearing the cars parked beside him as he backed out. Had it not been for the trailer hitch, he would not have hit my car. I have to report it to my agent. It will take me two days to gather my strength to walk into Finck & Perras to do this. I was sent up stairs to see Robert Daniels This is unusual; Daniels doesn't regular get involved in these minor claims. This was the absolute most horrible interaction with another human being I have ever had. Daniels was ridiculing and had this evil laughter as he wiggled in his chair with excitement. I left in a daze, speechless. As I got to the bottom of the stairs, I watched as the two receptionists bowed their heads down to avoid eye contact with me. Here's what I wrote sometime during the next days while I suffered from chronic diarrhea, horrible chills, and just couldn't eat, sleep, or basically anything. Peter Shea /George Butler Adjusters, adjuster First a little story. On Monday night 1 went to a local supermarket to get some tomatoes, baby spinach, fruit, and some microwave noodles. 1 went back to my car, parked legally within the designated lines in the private parking lot of the supermarket, and just sat for awhile. 1 was looking at a street map of Worthington, contemplating taking a drive up to Worthington which is where, at least the company Page 23 of 30 "[Dolan] He has complied with both the spirit and the letter of MGL Chapter 93A." In early February, after I first ask Todd at Valley Kitchens what the cost of my kitchen design with the date 1/8/2009 at the bottom will be, he tells me to talk to Dolan. After much persistence, I get Dolan to present me with a Valley Kitchens estimate sheet, dated 12/18/2008, which states that the Valley Kitchens' cost exactly matches Dolan's job estimate figure dated 01/11/2009. This Valley Kitchens estimate includes a $300 charge to replace dishwasher with cabinet. When I ask Dolan about such craziness, he will tell me it's "standard" estimating. What ? ?? There was no dishwasher in this house when built in 1972; there was no dishwasher when we purchased this house in 1997; and I still have no dishwasher nor ever wanted one. My view on dishwashers is simply they are a place to "store" dirty dishes. They generally do a poor job of cleaning dishes and pans. Valley Kitchens' website states that they do NOT get involved with any part of the installations — neither of the cabinets or the countertop. They simply sell the tangible products. Yet on my Valley Kitchens invoice the countertop installation is included. But I am also charged by Dolan for a countertop installation on his job estimate. I surmise that Dolan charged me $1250.00 for just the cabinet installation. This is an outrageous amount of money to charge for cabinets in my small kitchen. Returning to the "dishwasher". I had become aware of the possible files maintained at a building commissioner's office through my work in another city with the 2010 Census. So in August 20101 ask for the files from Northampton regarding my home. Standing at the counter reviewing the many sheets, I get to the last sheet which is the Valley Kitchens design dated 12/16/2008. I voice to the "air" what is this? The lady at the desk to my right comes to the counter. Takes the kitchen design from my hand; looks at it and says with a tone of sarcasm, "Looks like a kitchen to me." Okay. "But this not my kitchen." Louis Hasbrouck comes to the counter, never looking directly at me nor at any of the papers on the counter, says without hesitation, "You changed your mind." I scramble a bit through the pages to the plumbing permit and remark that there is no dishwasher in my kitchen. Shouldn't the final plumbing inspection use the permit as a checklist? Louis again appears to have a ready answer, "You removed it." Louis, why do you so quickly make absurd excuses for the blatant discrepancies in the general contractor's documentation? Are ploys such as Dolan's simply the norm? At the same time that this tension between Dolan and I is growing, Dolan demands $10,000 for material costs. I had given him the only construction monies I had received thus far from Commerce on January 10 $2500. I pay Dolan $10,000 with a credit card check and write a very emotional informal letter to Peter /George Butler Adjusters. As of January 20 Dolan has received $12,500 for a job that started January 7 and will have a final inspection done on March 25th Page 22 of 30 stairs, another busy working in the bathroom. Dolan just stood there in the hallway smugly looking at me. I stated that Paul's Plumbing should be arriving any minute as discussed that morning with Dolan before I left the house. Dolan says with a laugh "We just finished." It was not a pleasant moment minutes later when the young apprentice plumber from Paul's, the same guy who had done the plumbing work on Saturday November 22 "d , arrives at the house. This apprentice literally yells at me. BUT hold there. It generally takes TWO plumbers to reverse the winterization process — BUT this apprentice from Paul Graham's plumbing is alone. Dolan puts it all on me. Simply Weird. On January 7 I receive a letter from Peter Shea /George Butler Adjusters. In this letter Shea states "We have accepted the figures from your contractor and electricians and have further agreed with INSTAR Services that they will not be submitting a bill to this adjuster for payment." Now if Peter Shea /George Butler Adjusters have accepted the figures, then share with me this information so I can cross reference George Butler Adjusters's adjustment with Dolan's job estimate. I've enclosed Dolan's contract, the building permits [I only see the pages with my writing on them when presented to me by Dolan AND they are blank pages; all other permits and kitchen design I will discover when I ask for a copy from the building inspector's office in August 2010], and George Butler Adjusters' adjustment I received in the mail in mid -March 2009. There is a fourth bundle of pages from Shea — in September 2010 I ask for the information he received from Dolan from which he wrote of the insurance adjustment — this is what he sent. Dolan's figure on his job estimate to me is $22412; on the building permit, January 7 Dolan says the job is $23400 — on Dolan's job estimate the 1 floor bathroom plumbing costs $1123 and the kitchen is $280; this adds to $1403; BUT Dolan's building permit lists the plumbing value at $2400 — there's the $1000 discrepancy. Dolan filed a kitchen design from Valley Kitchens with the date 12/16/2008 at the bottom with the city building inspector's office. I will not see this design tucked away in the building inspector's files until August 2010. This kitchen is about twice the cabinets and counter tops of both the existing [pre -loss] and present kitchen in my home. The 2 floor bathroom also appears on the plumbing permit. This work 1 was told by Dolan could NOT be part of his job estimate because it was not part of the insurance claim. Therefore, NO CONTRACT was ever provided for the upstairs bathroom. The 2 floor bathroom was billed entirely as an EXTRA. The cost on this 2 floor bathroom EXTRA was, $2740.00, which is ABSOLUTELY NOT what Dolan and I verbally agreed upon. Tom Dolan is a cheat with an intimidating lawyer, Charles Dolan, in tow. But Attorney Charles Dolan writes to me that Page 21 of 30 I call Commerce back and speak to a different adjuster named Rick Foley. He states that Shea /George Butler Adjusters has not indicated that I had stayed in a hotel nor had Shea approved any alternative housing. Rick politely puts me on hold; when Rick returns he states that yes Shea does have a hotel bill. Rick agrees to provide the additional $400 to cover this bill in full. But, Shea has refused housing. Rick and I enter the pit market. I suggest a meal allowance based on the Fed tax per diem for Northampton of $39 per day. Rick agrees to provide monies for food starting December 2" for about 36 days — through the first week of January. So the outcome is a "meal allowance" of $1400. $1800 hotel bill plus meal allowance, ck # 0021554841, payee Vanessa Bronson AND Stephen A Brozo Jr Shea /George Butler Adjusters tells me in the final days of December that he has approved Dolan's figures and has given him the "go ahead ". I asked for the adjustment paperwork. Shea refused. He said the job estimate that Dolan presented to me represents the adjustment. I ask for the amount of money he approved for the repairs. He refused stating he could not give me any paperwork or monies until I got him Paul Graham's plumbing bill and the lost items list [which I now know has nothing to do with the construction aspect of the claim]. On January 7` Tom Dolan /general contractor, Chesterfield, started on the job. Dolan tells me that he does not want the water brought back into the house until AFTER the rough plumbing inspection occurs. Dolan had agreed in December that Paul Graham will finish what he had started, namely, reverse the winterization process, BUT Dolan refused to have Paul Graham do any of the other plumbing work. I needed the loss adjusted in a 60 day time period, so says the Advocate Law Group. At this point in time, I had surmised that no one from Commerce Insurance adjusts the loss; George Butler Adjusters certainly did not adjust the loss; Instar was subbing the adjusting of the loss to independent contractors. Mike Long was recommended by the Northampton building inspector, Louis Hasbrouck. Long in turn recommends Dolan. It perhaps is not the best way to get a contractor, but I was running out of time, finding it costly to live without a bathroom and kitchen, and getting sick living in the house as it was. So I accepted Dolan's terms regarding the plumbing work. I failed to recognize that combining Dolan's request to NOT bring the water back into the house and Dolan further agreeing that Paul Graham would be the plumber to restore the water to the house, but not participate in any other plumbing repairs, meant that this Paul Graham's plumbing bill would be delayed for several days. The rough plumbing inspection took place on January 21, 2009. I continue to call Paul Graham's answering service. Eventually, I am told that they regularly take vacation during the beginning of January. They will call me when they get back. At Dolan's request, I arranged a noontime visit by Paul Graham's plumbing during the 3 week of January to come to the house and replace the winterized plumbing. I arrived at the house about 10 minutes before noon to find 2 Walunas Plumbing & Heating plumbers —1 scrambling up the basement Page 20 of 30 Sometime during the second week of December, after Goggling Instar and discovering that they advertise as a 24/7 emergency service, I decided to call during the early morning hours; my thought was that Susan worked the day shift so maybe some else will answer. This worked out as planned. Two guys from Instar came to the house as arranged and picked up the equipment. The only unfinished business with Instar is their bill. Shea /George Butler Adjusters tells me he will take care of this matter, every time I raised this question during December. And 1 was very persistent with Shea on this matter. In my world, the only way to close this relationship with Instar is for the bill to be present and then paid. I wanted this over. On the morning of December 2 " the motel bill was nearly $1400. I had no assurance from Shea as to how much of this bill would be covered by insurance. What I did know was that the matter wouldn't be settled through Shea /George Butler Adjusters until the end of the claim, so said Shea. I mailed a copy of the bill to Shea /George Butler Adjusters. I moved back to the house, permanently. No water for 53 days. No shower for 76 days. No kitchen for 126 days. I had no idea what I got into. On or about December 11 I call Commerce Insurance. I now know that Deanna Davis is NOT my adjuster as Sereno /Finck & Perras had told me; rather Tina Yanczewski is. After being routed to her, I explain the hotel bill and ask if I could be reimbursed for this now. Tina informs me that Shea /George Butler Adjusters has not approved any housing so therefore, NO, you cannot to be reimbursed. Then the fact that Commerce does not make decisions on my claim by rather Shea /George Butler Adjusters has complete control, is explained to me by Tina. I'm confused — my insurance contract is with Commerce Insurance; all my premiums have and continued to be paid to Commerce Insurance. I had never entered into any contract agreement with George Butler Adjusters. Rather George Butler Adjusters had been forced upon me by Commerce Insurance. This conversation continues in a fashion that resembles a "pit market ". The final call was the following: $1000 for housing, ck # 0021534009, payee Vanessa Bronson AND Stephen A Brozo Jr $2500 for an electrician, ck #0021533924, payee Vanessa Bronson AND Stephen A Brozo Jr AND Florence Savings Bank ISAOA /ATIM Tina and I agreed on one issue — the immediate need for an electrician; this was the priority. I call Mike Long again. Mike Long [electrician from Louis' list] introduces me to general contractor Tom Dolan who first visits the house December 6` After Dolan tells me that the time frame for the job is several weeks, I call Tina back at Commerce. Again I ask for some assistance and /or advice with housing. Tina coldly states that she has already given me $1000 — that's it! Tina ends the call. Page 19 of 30 response. Well, on the first day you guys asked me to find a plumber; last Monday the building inspector told me to bring the plumber back and winterize the house. If all the insurance monies go to Instar, how does Paul Graham get paid? "1 don't know; ask Peter [George Butler Adjusters] ". Finally, I said look I need to talk to someone in authority at Instar about this contract. Jim responds with his arms flying up into the air with "What do you want, the president's name!" He's clearly upset. I'm alone and very uncomfortable. I retreat to my back door. Once I have my hand on the knob I turn and tell Jim to leave my property. As I start to go inside, Jim states that "our equipment is in there ". I agreed and asked him to call me with a date and time and I will be at the house. I went inside. Finck & Perras' activity log dated 12/03/2008 2:55 PM tells a different, not truthful, story. I did use an "f- word" in speaking to an official in Massachusetts sometime this past winter. It was "FILTH ", my description of the collaborative activities occurring with my claim. It's worth stating how Daniels writes this: "Peter called to say that lnstar had apprs for Wed /Fri and Mon. to go to property. Vanessa (using the F -word) told him to leave property immediately and that they would get a registered letter when they could come back on prop of get their equipment." The "him" is Jim Quinn of Instar. Daniels is absolutely knowledgeable of the identity of "him ". I'm supposedly so irate that I'm using bad language, yet I manage to be very specific about sending a registered letter specifying when Instar can get their equipment. No. This "registered letter" bit is taken directly off of Instar's contract. Had I been aware of the contract, I had 3 days from the date I signed it to send a registered letter to lnstar to cancel the contract. A final thought about Instar's contract. lnstar Services Group LP would not use such an instrument if it were not accepted at the payment end, namely, George Butler Adjusters /Commerce Insurance. During our last phone conversation in September 2010 — initiated by me after discovering the existence of this Finck & Perras activity log— I started reading specifics from the Instar contract to Peter Shea /George Butler Adjusters. I asked Shea for clarification. Shea's response was his claiming to not know what I was talking about simply because he never bothers to read Instar's contracts. Instar does not call me. I call Instar and can only get to Susan. Instar positions Susan as a wall. She will never transfer a call. She may have someone call you back. At this point in time, Susan is refusing to set up a time for their equipment to be picked up from my home. I've been told that I can be charged for each day the equipment is on my property, regardless of whether or not it is operating. [This may partially explain a near $3000 bill from Instar; perhaps an 18% interest charge is in this bill, too. I'll never know. Priscilla, Instar billing department, could not pull up an itemized bill on her computer in October 2009, because Gary Grout had removed the file back in February 2009.] Page 18 of 30 On Saturday, Nov 29 I dug through the very disorganize collection of stuff that had accumulated on the living room table from other rooms in the house. I found that piece of paper that on Saturday, Nov 22 Joe the cleaning guy had presented to me in near darkness. Refer to my letter to Jerry Zanarini, dated February 9, 2009, first page. Question to Massachusetts: How many of the tornado victims have been provided with MGL's "Home Improvement" pamphlet? Are they left to clip bits and pieces out of newspapers or hear about a few of the necessary contract elements from some caring DJ on the radio? INFORMATION EMPOWERS the CONSUMER How often do insurance people and building commissioners inform homeowners of their rights under the MGL's. By not doing so, are these knowledgeable people abetting specific contractors who are paid with monies from insurance companies? In Instar's contract, Instar has a lien on all insurance monies. Jim Quinn's statement about keeping my "costs" down, I suspect is in reference to "I /We further understand that any and all deductibles and /or betterment from our insurance carrier shall be due and payable by us at the completion of services rendered. If payment is not received within 30 days of invoice, a delinquent payment penalty will be charged at 18% annual rate." I had never heard this word "betterment" before my encounters with insurance people and contractors. And if they need to take me to court because I can't pay on this second loss, namely the contractor's unexpected EXTRA /Betterment charges, I pay for their legal costs, too. My prayers to the recent tornado victims who may already be victimized by contractors' EXTRA charges and won't discover for many months the second loss they may have to endure. Why is the practice of EXTRAs legal in Massachusetts? Jim Quinn and I had during Friday's visit, arranged to meet at the house on Monday, Dec 1 at 11 AM. I will be told by Jim that morning that he was waiting on a contractor to adjust the construction aspect of the job. I purposefully kept our initial meeting in the openness of my driveway. [The weather was comfortably mild — a nice day to be outside] I stated that I needed this contract to be explained to me item by item. This was met with "What's there to explain? You signed it; Peter [George Butler Adjusters] approved it." So I tried asking for the name of a person in charge at Instar. This made Jim very uncomfortable. He questioned what I meant by "a person in charge." I struggled to find another way of saying this and ended up with asking for his supervisor's name. Jim doesn't respond. So I tried being specific asking about the lien on all insurance monies that this contract gave to Instar. No Page 17 of 30 was very confused by "appearances" being an explanation for such untruthful entries. Today, I believe I understand what Shea meant. For me, once the fire people had taken care of the steaming water in the globes situation, 1 was very much relieved. The day ended on a good note. Yes, Instar cleaning people had been unintentionally negligent in making the panel completely live to satisfy their need for power to run their drying equipment. The cause may simply be a lack of communication between the cleaning guys and the subbed AJ electrician and a lack of needed supervision. George Butler Adjusters and Finck & Perras dismissed my concerns, with arrogance, but they consistently interacted with me in a superiority manner. The matter was resolved by the professional services of the NHFD. Rather than fabricate a story designed to defame my person, LEARN — ask NHFD about the dangers of water in Tight fixture globes that have electricity flowing into them. This visit by the fire department, building inspector, and Instar representative on Monday November 24 does NOT qualify as a significant event in the eyes of Finck & Perras, hence, no mention is made in the Finck & Perras activity tog. After this incident, throughout the many days of this claim, Shea /George Butler Adjusters would often times start conversations with a warm "How are you ?" and end in a sincere tone "Trust me Vanessa, I'm taking care of things for you." All the while, Shea's true colors shine through in Finck & Perras' activity log. The secret files about the insured created by insurance people for the purpose of altering and dismissing the truth to conceal their wrongs. I encourage everyone to exercise their legal right to know what the insurance people write about them in their secret activity logs BEFORE settling their claim. Jim Quinn, who I now know is the adjuster from Instar, referred to in the Finck & Perras activity log as simply "the adjuster" — reference activity log entries 12/03/2008 2:55 PM and 01/22/2009 3:38 PM - was on the property on both Wednesday Nov 26 and Friday Nov 28 During these visits, thinking he was the cleaning crews' supervisor because that was his role on Wednesday, he says "Vanessa, I'm going to work with Peter [George Butler Adjusters] to keep your costs down as much as I can." I said nothing. After he left I called Shea /George Butler Adjusters. I repeated Jim Quinn's words and added the fact that I had replacement insurance. What are these "costs" that he speaks about? Shea had a sharp response, "Don't you know ?" Followed by 1 should stop making problems with this claim. This behavior was unexpected; I had thought things were good between Shea and I. Page 16 of 30 Today, you deny giving me this instruction. Shea /George Butler Adjusters will use this winterization procedure to inflict both emotional and monetary harm upon me throughout the remainder of this claim. It won't be until Saturday morning, Nov 29 that I acknowledge as a contract, that single piece of paper that Joe, the cleaning guy, asked me to sign on the previous Saturday evening, Nov 22 " Yet, Sereno states in her Nov 24 entry "insured came in very upset that this claim is sub - contracted, then re subcontracted. (Butler to Instar) ". This statement is obviously false but more to the point, when did Butler subcontract to Instar? In the next entry in the Finck & Perras log, "Bob" says that Peter Shea gave me the name of a business called "Service Master" on Saturday. This did not occur. So did Shea subcontract to Instar on Saturday morning after referring me to Instar, and providing me with their phone number? When did Butler subcontract to Instar? Louis states in his complaint report for Nov 24 that "Instar was retained by insurance." When was Instar retained by Commerce Insurance? Why does Tina Yanczewski [Commerce Insurance adjuster], consistently, when I attempted to get some help, respond in a sharp tone "Commerce has nothing to do with contractors "? Obviously, the lines of communication between Shea /George Butler Adjusters, Finck & Perras, Instar, and Building Commissioner, Louis Hasbrouck were very active. As the Finck & Perras activity log continues, Daniels /Finck & Perras and Shea /George Butler Adjusters create pure fiction about how they engaged in stealth activities to discover both the plumber's and electrician's identities. Finck & Perras' activity log, 11/25/2008 12:28 PM, "1 tried to follow up for Peter by driving by Vanessa's house to see if anyone was there working. Paul's EIec /Plumbing truck was in the yard, advised Peter." Which, incidently, there is no such business called Paul's elec /plumbing, at least not in this area. If you think about it, electricians and plumbers seldom create businesses together. Shea /George Butler Adjusters and Daniels /Finck & Perras were informed by Louis of all plumbing activities that he instructed me to have done at the house. I still do startle a bit when a strange car makes its way down to the end of this dead end street where my house is set back from the road, accessible via a 150 ft driveway. Finck & Perras' activity log entries, beginning with Bob's 11/24/2008 1:37 PM entry and continuing through to the 11/25/2008 12:38 PM entry, are all about denial and for Shea /George Butler Adjusters, "appearances ". Shea, during our last conversation in September 2010, will tell me that I need to understand that "appearances" are important. At the moment that he spoke these words, I Page 15 of 30 Inspector. Someone from In Star Restoration showed up today and turned the circuits back on to the kitchen to run some of their equipment. I shut the power off to the circuits again and called the Building Inspector. In Star Representative arrived on scene and said that the power should not have been turned back on and that he would find out who turned power back on. Building Inspector arrived on scene and we returned in service." The lnstar representative is Peter LaCamera and the Building Inspector is Louis Hasbrouck. In less than 10 minutes my day long quest to remedy an electrical hazard was professionally resolved by the Northampton Fire Department! My Verizon wireless phone records: 11/24 2:56 P 413 - 587 -1030 [Northampton Fire Department] Here is how Louis writes up this single event that began at 2:56 PM and concluded by 3:45 PM into 2 separate events. First LaCamera left the property. Then Louis left after asking about the co- owner, commenting that he believed he had gone to high school with a Steve Brozo in Amherst. I will be calling Paul Graham from my cell at 3:48 PM, while driving away from the house. It had been a very long, tiring day! 2nd entry, Building Commissioner's complaint report Nov -24 -2008 3:18 PM "Phone Call call from NFD Call from Capt. Pelis, NFD; they were called to house by owner at 2:30 pm today (Monday, 11/24/08). Instar was retained by insurance; they "checked" the wiring and turned the breakers back on. The kitchen light globes are filled with water and are "steaming". I instructed the FD to turn the breakers off to the affected area I will contact lnstar and the insurance adiuster, and post the house uninhabitable until an electrician has certified the wiring as safe." Complaint Detail Report page 2. Nov -24 -2008 4:29 PM Site Investigation Site Visit "Met with Instar electrician; he has disconnected power to affected circuits in panel. Instar cleaners had turned the breakers on "by mistake ". I did not post as uninhabitable because safety concerns have been addressed. The homeowner has contacted a plumber (Paul Graham); he will drain the pipes to prevent freezing." Okay so what's up with all of this? First, I seriously doubt that Capt Pelis told you an incorrect time for the alarm. Why do you say this? Well, that would eliminate Mike Long's phone call to Instar as well as 2 phone calls from Instar to me. The NHFD was only at the house for about 10 minutes. They stated that they shut off the power to the panel and then called Louis. They state that you, Louis, and Instar, Peter LaCamera, were at the house before they cleared. But the real issue is why the house was winterized. You're claiming that I had already called Paul Graham — this is the reason, in my opinion, for your splitting a single event into 2 events and pushing the closure time up to 4:29 PM. In the presence of Peter LaCamera, in my driveway, you instructed me to call Paul Graham back to the property and have him winterize the house. Your stated reason was to prevent any further damage. Page 14 of 30 1 will not hear back from Mike Long until 2:00 PM — BUT this phone conversation here with Daniels concludes at 1:37 PM. How does Daniels /Finck & Perras know that Mike Long is going to call me back when it hasn't happened yet? I'm hopeful, but 1 don't know for sure if Mike Long will even call back. Mike Long made it clear to me earlier in the day that he was too busy to take on any more work but was willing to check out my concerns if in the area. At 1:46 PM Joe, the cleaning guy from Instar, calls. He is finishing up a job elsewhere and would be leaving soon to head to my house. I asked what was on the agenda for today. Joe states that he is going to continuing sweeping up the insulation [cellulose] in the kitchen. No mention of covering that hole in the ceiling. Now sunset is at about 4:25 PM. The interesting thing about having water in live light fixtures is that the light bulbs do NOT shine any light. There is no Tight beyond that single lamp in the living room. My thought about Joe coming to 'clean' is simply NO — I need an electrician. I certainly don't need a cleaning guy, for at most, an hour of sweeping up the dust and such — I am capable of performing these duties. So I said to Joe the time of his visit, given the lack of lighting and the daylight hours almost spent, doesn't make any sense. I can do this cleaning myself. At 2:00 PM Mike Long left a voice mail stating he was in the area and would be stopping by. Within minutes of receiving this message, Mike Long arrives. I focus his attentions on the water in the globe in the center of the kitchen ceiling. Mike Long, who is tall enough to do so, places his hands around the globe. The globe is warm to touch. He asked who is working at the house and then asks for their phone number. Mike Long calls Instar using his cell and speaks with Susan. This was about 2:30 PM. Once Mike Long finally felt he had made his point, which appeared to involve some frustration on Mike's [Long] part, he gave me the phone. Susan informed me that she would try to locate their electrician. Mike Long says he has to get going back to his work and leaves wishing me good luck. At 2:41 PM Susan calls me stating she found their electrician and he would be calling me. At 2:47 PM a guy from Instar calls who I now know to be Peter LaCamera. He states he is on his way; no time frame is given. I'm weary. I have concerns, given the brush off received by everyone I have encountered today, as to whether the situation will be addressed by Instar. How long until someone arrives? I've been at this for some 7 hours now. All I really need is to have the breakers shut off like the NHFD had done on Friday at the time of the loss. But Louis had made it very clear to me at the time of the loss that I was NOT to touch that panel. Northampton has 2 fire houses. There is a small one in downtown Florence, about a mile from my home. I make an office call to the NHFD asking if someone might be available to come and reset the breakers on the panel. Ref NHFD incident # 08- 4012 -IN: Alarm 11/24/2008 @ 1458; Arrived 11/24/2008 @ 1512; Cleared 11/24/2008 @ 1523: "Responded to 54 Sandy Hill Rd. for water in a fixture. Upon arrival found that this was a previous call where we secured power to the kitchen and called Building Page 13 of 30 I call Instar at 10:06 AM to see what is on the agenda for today [Monday, Nov 24 When asked, Susan stated that Peter [Shea] had instructed lnstar to put up a piece of plastic over the hole in the ceiling. When I asked about having an electrician come to the house because I had concerns about the water in the light fixtures [the globe over the kitchen sink, the center kitchen globe, and the globe in the downstairs bathroom ALL had water in them] and the electric panel has ALL BREAKERS ON, Susan informed me that no electrician was scheduled; Joe, the cleaning guy, was the only lnstar person coming to the house today. I asked for a time frame on his arrival. "Sometime this afternoon." When I pressed for a time window, Susan firmly stated that it was not possible to do so. At 12:38 PM Mike Long [electrician whose name was given to me by Louis] returns my call from Saturday. I describe the water in the light fixture situation. Mike explained that he was swamped with work right now, but he may be in the Florence area later, and if so, would give me a call and take a look. I went to Finck & Perras at 12:53 PM, according to Finck & Perras activity log, and spoke with Sereno. I tell her of the meeting with Shea /George Butler Adjusters. I repeat my concerns about the water in the light fixtures. I question how well a piece of plastic over the hole will work out given the opposing eaves draft vent and drying fan blowing in the direction of the hole from the upstairs bathroom. Why not a sheet of plywood? Sereno feels that the water in the globe is surely not a problem and is annoyed at my suggesting how to handle the hole in the ceiling. She will have Bob [Robert Daniels — claims manager] call me when he gets in. At no time does Sereno inform me that Shea /George Butler Adjusters has subcontracted his Commerce Insurance contracted adjusting duties to lnstar. At 1:27 PM Daniels, claims manager at Finck & Perras, calls. This call lasts for 10 minutes. I started out questioning Shea /George Butler Adjusters's assessment of the water in the Tight fixture issue. Then 1 questioned leaving the completely water logged rugs in the basement and the need for some plywood to cover the hole in the ceiling. [I was not very sweet at this point — I am tired and frustrated at repeating my words over and over again: first to Shea /George Butler Adjusters, then Susan at Instar, then Sereno at Finck & Perras, and now Daniels, also at Finck & Perras]. There is something amiss with all these new faces I'm having to contend with. Daniels' response was to berate me. I basically was not intelligent enough to question Peter and Instar. I will learn that Peter has been an insurance adjuster for 37 years. 1 am told that 1 was completely in the wrong on Saturday morning, interrupting Peter's weekend without a just reason. Further there had absolutely never been any problems with Instar. Hence, I'm the problem. I was ordered by Bob to allow Instar to put a lock box on my door and stay out of the way. Ref Finck & Perras activity log [BOB 11/24/2008 01:37 PM] "Said she has her own electrician coming but refused to give me the name and was indignant that I even asked her." Page 12 of 30 dehumidifier for many days to dry these rugs, especially when they are on a cold concrete floor, was simply not cost effective. My thought was to remove these rugs to accelerate the drying out of the house. The amount of electricity drawn by this industrial dehumidifier to dry these rugs surely exceeds the value of the rugs. I didn't realize, at the time, that the electricity used was my burden. Shea insisted 1 was wrong and demonstrated no interest in any conversation on this matter. We return to the kitchen. I asked if we could sit down and discuss my policy and what is going to happen in the coming days. 1 made a motion towards the table and chairs in the living room, suggesting a place to have such a conversation. It was as if I was invisible — Shea remained silent and didn't turn to look at where my eyes were focused or my arm and hand were pointing. I was unable to come up with another way, a rephrasing, to make my request again. It is very discomforting when someone ignores your very presence in a room. I had no idea how to work with this situation to insure that my needs were addressed. I moved on to my concerns with the water moving the Tight globes, specifically, the fixture in the center of the kitchen. Note that Instar people had their drying equipment up and running by 7 PM on the previous Saturday. It is now Monday, a little after 9 AM. This time, I did get Shea to look up at the ceiling. Then there's that 'silence' again. This is followed by a 'different' Shea which pleasantly surprises me. With a warm, gentle smile Shea says "Trust me Vanessa, everything is Okay; I'm going to take care of this for you ". I can still see Shea standing in the kitchen, by the living room opening, saying these words. At the time, I felt that his previous irritation towards me could be chalked up to my interfering with his personal weekend activities. But now that it was Monday, his head was in his work; I believed his words to be sincere. Final note, at no time did Shea make any reference to the existence of any contractual agreement with Instar. Reference Finck & Perras activity log dated 11/24/2008 01:37 PM Bob. "She was upset that all she was told was what wasn't covered which was the valves. 1 told her that ins. covers the damage not the repair to the pipes." Okay. Well, there is no need for concern given that the 24/7 emergency services Toss group named Instar has already deceitfully obtained my signature on their blank contract using Joe the cleaning guy as their representative. Instar has 100% lien on all insurance monies. And recall that they could not find a plumber, thus, asked me to find one. So Commerce Insurance can relax — their Instar has all the monies liened to them and there is no threat of having to pay Paul's Plumbing. Of course, I won't realize the Instar lien until Saturday, Nov 29 and the Finck & Perras activity log until Sept 2010! Now, after reading the Finck & Perras activity log, I understand why Shea /George Butler Adjusters used the phrase "maintenance issue" with regards to these valves. But the odd thing is, on October 29, 2009 Shea adds to the insurance "Statement of Loss ", "Item "A" Dwelling ", "Paul's Plumbing & Heating" $1150.25. The invoice from Paul's Plumbing & Heating is for $1190.25. So 3 valves and a burst pipe repair cost me $40. Wow! Back to the story. Page 11 of 30 room. Not a problem — I set the lamp on the floor between the kitchen and living room. Two additional guys show up with drying equipment. There's lots of commotion as the equipment is set up on all 3 floors. The rest of the evening's events are described in my letter to Jerry Zanarini, February 9th, specifically, page 1. Both Finck & Perras and Shea /George Butler Adjusters have had copies for several months. Sunday will be a day of rest at the motel. I talked to no one regarding the claim and did not return to the house at anytime. Sereno's statement about my calling Commerce on this Sunday followed by a call from Instar is false. Tina Yanczewski, adjuster at Commerce Insurance, made it abundantly clear to me on more than one occasion that "Commerce Insurance has absolutely nothing to do with contractors!" I have no idea why Sereno says such. However, as mentioned above, I did call Commerce on Saturday and Commerce did have George Butler Adjusters call me and Shea and I did speak with one another, on Saturday morning. It seems fairly obvious that Finck & Perras is in regular communication with Instar and Peter Shea /George Butler Adjusters. On Monday I went to the house a little after 8 AM. I looked around at the increased amount of cellulose insulation that had fallen from the eaves into the kitchen, the living room, especially on the furniture, and the hallway. I surmise that the combination of the eaves draft vent and the opposing fan positioned on the eaves are the causes. Shea calls at 8:30 AM to confirm our appointment. During Shea /George Butler Adjusters' 9 AM appointment at my home, I had 2 issues on my mind. The first was Joe of lnstar told me the hole in the ceiling could not be covered because Shea needed to see it. Further, l should neither clean nor remove any of the books or furniture that were affected by that portion of the ceiling falling — the adjuster needs to see the situation "as is ". Upon viewing the situation, l ask Shea whether we could NOW cover up the hole with some plywood sheets? Isn't that a reasonable action to take? Shea agrees and states he will call Instar on this matter. We then have most of our conversation in the basement. Shea asked how high the water was suggesting I use the baseboard as a reference. This worked well for me and we concluded the water was about 6 inches. I showed Shea the notepad sheet from Louis Hasbrouck where he had stated that 1 needed to "change out shut offs." Shea stated that this was a maintenance problem. When I asked what he meant, Shea responded that the values were over 20 years old, l should have had them replaced by now. 1 responded by stating that 1 had never heard of people replacing valves according to the clock. Shea responded with "silence ". He turns his back to me and appeared to be looking around at the articles in the basement. There were 4 area rugs in the basement. They had been completely submerged in water. Seeing that these rugs had little value — Ocean State Job Lot purchases, it was my opinion that running a mega Page 10 of 30 success in reaching a plumber or an electrician. What should I do? Shea says to call Instar Services Group of Chicopee and gives me their phone number. I mentioned the dampness and dust in the house and asked if Kim and I could get a motel room. Shea snaps at me, "Don't you have some place to go ?" I remain silent. Shea comes back with I can stay in a hotel for a few days. He confirms our appointment for Monday at 9 AM. I gathered up Kim and my computer stuff, and got a room at Comfort Inn in Northampton. Then I call Instar at 12:19 PM. An Instar person [Susan] is expecting my call and states that someone from Instar will call me. A guy, who I now know to be electrician Peter LaCamera, calls me back at 12:24 PM explaining he is trying to find an electrician and a plumber; he appears very knowledgeable of my situation and needs. Paul Graham returns my earlier calls at 12:47 PM. I thank him and explain that I believe Instar is providing the needed immediate services. I try to get through to New England Stove but the line is busy. Peter LaCamera calls at 12:54 PM — still looking for trades people. Peter LaCamera calls at 1:05 PM — found an electrician, can I find a plumber. I call Paul Graham's answering service at 1:14 PM and leave a message. Paul Graham calls at 1:34 PM and agrees to come to the house. A call to me at 1:59 PM informs me that Instar has an electrician and thanks me for getting Paul Graham to provide the plumbing services. At 3:32 PM a Joe from lnstar calls asking for directions. Two guys, Joe and John, pull into my driveway in an unmarked dark colored van, stating they are from Instar and asking for the location of a business in town that would have large trash bags. I first show Joe Florence Hardware, but they have closed for the day. Joe comments with annoyance, about what kind of hardware store closes early on a Saturday. I then take them to Cumby's in Florence. A young man from Paul's Plumbing shows up; I show him the situation; he does an exemplary job of changing the main shut off valve, both shut off valves to the upstairs bathroom, and mends the burst pipe. Next an older guy arrives, who refrained from identifying himself when asked, stated he was an electrician sent by lnstar. He went directly to the basement; I stayed in the kitchen with Joe and John. My letter from Jerry Zanarini, dated December 5, 2008, states "A.J. Electric arrived on Saturday to make sure everything was safe and shut off 2 breakers." I don't understand this — I was under the impression then, as I remain today, that the NHFD and you, Louis, had done what was necessary on Friday afternoon with regards to the shutting down of breakers. I did sleep in the house on Friday night and believed that it was safe to do so. Then the electrician came up to the kitchen where Joe was cleaning and took hold of the wire that was supporting the hanging lamp under the hole in the ceiling, commenting that it was plastic coated. He then moved to the light switch by the kitchen door; removed it; applied a meter. He explained to me that the meter indicated that there was no electricity, when I asked. Then he left. He spent about 10 minutes at the house. As night fell, Kim and I started a fire in the fireplace and hung out in the living room. Joe asked if I would set the only lamp in the living room - kitchen - hallway area, in the doorway between the kitchen and living Page 9 of 30 rock chip the windshield of my car. Gail Sereno handled the claim. She was upbeat, told me in detail how to contact the glass people. Explained that I could get it fixed while my car was parked at work or in my driveway — the glass people would come to me. She explained there was no paperwork for me to fill out. She would handle the entire payment process directly with the glass guys. And everything Gail said was true. Fixing the windshield was truly a hassle free, good experience. I was very appreciative and impressed. But now with this homeowner's claim, never does Gail bring my policy into this discussion for the obvious purpose of seeing what I am insured for. When I asked "How does the claim process work ?" the response was "your adjuster will handle that." When I asked for a copy of my policy, stating that I believed that Steve had taken the policy with all the rest of the family records when he moved out in June of 2005, Gail again refers my needs to my adjuster. The only time a policy was provided to us was when we initially took one out in August 1997. After that, each year we simply got the face sheet stating the amounts of insurance under each part and our current year's premium. Well, Okay, let's see what the Commerce adjuster has to say. I didn't realize that Commerce subcontracted their homeowner claim's responsibilities to an independent adjusting agency, George Butler Adjusters, at this stage of the claim. I learn, whether factual or not, that the adjusters both at Commerce Insurance and George Butler Adjusters will NOT provide at least me with a copy of my insurance policy. In January, I will talk to the Commerce adjuster insisting for a copy of my policy. Commerce first stated that this was the agent's [Finck & Perras] duty, not theirs. In the end, Commerce did speak to Finck & Perras on my behalf and in a little over a week my policy arrived in the mail. After leaving Finck & Perras, reading from the list of names of trades people provided by Louis, I left a message at 4:09 PM with Paul Graham's answering service. Louis had written an " *" before Paul's name saying this is where to start. Peter Shea /George Butler Adjusters calls at 4:48 PM and sets up an appointment for Monday at 9 AM. I restate Louis' instructions to me, to Shea and tell him about my earlier call to Paul Graham. I mention that I will continue tomorrow morning calling the trades people on Louis' list. Shea's response is simply "Okay" and ends our 4 minute conversation. After an interesting night in the house, I returned to fulfilling my obligations to Louis. I call Paul Graham again at 8:28 AM leaving a second message; Rick Shay at 8:30 AM leaving a message; Mike Long at 8:32 AM leaving a message. I then attempt to board the 7 week old kittens at Mt. Tom Kennel. Having doubts about any trades people returning my call on the weekend, I drive to Finck & Perras for advice. Not Open. Next, using the information provided by Gail Sereno on her Holyoke Glass notepad sheet, I call Commerce at 10:09 AM. I was initially trying to call Shea /George Butler Adjusters but he never gave me his phone number. I'm told that claim files cannot be accessed on weekends by Commerce, but they will have my assigned adjuster call me. Shea promptly calls at 10:30 AM from the same phone number he called from on Friday evening, I now know. At no time does Shea express any interest in coming to the house. Rather, he sounds annoyed at my disturbing his Saturday morning. In our 3 minute conversation, 1 let him know I'm not having any Page 8 of 30 scanner, and printer were all in the living room before the ceiling collapsed and I was successful in drying out this equipment. Referring to the Building Commissioner's Complaint Report, Nov -21 -2008 entries: there is one on page 1- "time recvd 04:18 PM" - and another on page 2 — "time 04:29 ". I'm looking at page 1. The situation is a hole in the ceiling about the size that a perhaps a sheet and a half of plywood could cover; it's located almost entirely in the eaves section of the house — roof w/ no insulation and draft vent will make it difficult to maintain house temperature. All electricity is shut down to kitchen, both bathrooms, clown stairs hallway, and the basement has 1 live outlet in the SW corner but all lighting as well as washer /dryer are shut down. A very long extension cord, the diagonal length of the basement, I will purchase and use to get the pellet stove running again sometime in the future. The living room has 2 live wall outlets on the outside SW wall —there never existed any overhead lightning. The bedrooms have full electric capacity. The heat will bleed out through the kitchen eaves till sometime in the late January. Refer to the NHFD report incident # 08- 3983 -IN. The alarm is 1416 / arrived 1423 / cleared 1509. "Return in service after building inspector on scene and homeowner briefed on appropriate actions to take." This briefing entailed 3 instructions by Louis. First, do not touch the electric panel. Second, have a plumber change out the shutoffs to stop the water flow. Third, have an electrician "secure the electrical ". If these actions are followed, Louis will not shut the house down. During our recent phone conservation, you emphasized to me that you never give "instructions" to a homeowner; you may make "suggestions." Louis, these words of yours seem irresponsible. The average homeowner does not have the first response expertise that you have clearly developed and refined over the years, to make the necessary decisions as to how to insure the safety of both the inhabitants and the structure immediately after a loss has occurred. Homeowners need to be instructed on what immediate actions they should take. The dominate thought of a homeowner at the time of a loss, is on the most dearest possession that may have been lost or whose whereabouts are unknown. For me, it was Kim's Scarlet and her 7 kittens. I very much appreciated the extra effort by firemen who helped me look for them. I reported the Toss to Gail Sereno at 03:42 PM, according to Finck & Perras' activity log. She provides me with Finck & Perras' insurance claim protocol sheet, a Holyoke Auto Glass single notepad sheet consisting of the name, Deanna Davis, the phone number, 1.800.221.1605 X15038, and the claim number PVA505- MKVR04. Both this Commerce adjuster and the phone number are different than those written up on the same day by Gail Sereno on a Property Loss Notice form — adjuster Tina Yanczewski @ x15215. On this Property Loss Notice, the insured is listed as Vanessa Bronson, PO Box 60412, Florence, MA, but the Commerce Ins policy has the insured listed Vanessa Bronson, Stephen A Brozo Jr, PO Box 60412, Florence, Ma, who are the co- owners of the house. Here is an appropriate time to comment on my visit with Gail Sereno. It lasted less than 10 minutes. Gail remained stoic at all times. She displayed no sympathy nor did she speak any reassuring words. This is completely contrary to the only other experience I had had with her, maybe 2 years prior. I had a Page 7 of 30 December my Dad is diagnosed with cancer. On a Friday in January, after a week of tests and pre- cancer treatment activities, I needed to return to Florence to get my mail. My dad came along for the ride, because at this point, a drive down the Mass turnpike was a welcomed break from the hospital scene. I receive from Leslie Brown divorce papers stating that Steve wants sole ownership of the house. His desires come as no surprise. I had paid thousands of dollars in EXTRA charges, for work done without the needed contract under MGLs, to a licensed general contractor, Tom Dolan. I have paid all mortgage and taxes on the property by myself with absolutely no money from Steve since August 2008. NOW Steve wants a divorce and the house to boot. What follows is a letter to Louis Hasbrouck, Northampton Building Inspector. Today this letter is sent to many. I guess you're one of the chosen. Today there is no legal remedy to make myself and Kimberly whole. We enjoy our days together here at Sandy Hill and set our sights on tomorrow. The clock simply cannot be reset. But if I can plant a seed, that may grow, to help others such that they never have to take this journey, then my time has been well spent. To Louis, This note is written at the suggestion of Louis Hasbrouck, made during a phone conversation this past spring. My initial concern was to have the documentation on our home that is stored in the building commissioner's office files to be accurate. My activities Friday, November 21, 2008, had my leaving the home a bit before noon for a Red Cross certification course at HCC in Holyoke. Upon returning home around 2 PM, I observed surface water on the kitchen floor and water dripping through the ceiling light fixture; the kitchen ceiling is still intact at this time. I don't venture more than a pace from the kitchen door, deciding to check out things from the basement /bulk head entrance in the back of the house. The water in the basement was high enough to have the treadmill extension plug completely submerged and the like situation with the pellet stove plug. I don't know if having these plugs under water - in the case of the pellet stove, it was running when I left the house — can put an electrical charge into the water. So I made an office, non - emergency, call to the NHFD asking for some advice on the matter. I'm glad I called the NHFD. Had I not, I probably would have been standing directly under that portion of the kitchen ceiling that will collapse in the presence of the fire department people and myself. I was busy trying to get my computer equipment away from the water coming through the dining light fixture. Thankfully, the NHFD people had commanded me out of the house moments prior to the ceiling giving way. I had not, and probably would not, of seen this danger. So I stand by my decision to call the NHFD as the correct decision. No claim on my additional computer insurance needed to be made — computer, Page 6 of 30 need to be protected by Florence Savings Bank, so says FSB. But MY RIGHTS, as the female spouse, to defend myself in probate court to the implication that I am somehow responsible for this mortgage going into pre - foreclosure, are NOT TO BE PRESERVED. On October 30, 2008 I paid in person to Florence Savings Bank $2805.14. To the best of my knowledge, Steve never responded to FSB. But then I really don't know for sure — Ms Williams refused to disclose any information about Steve's activities with respect to our mortgage. Again, Ms Williams claimed that they need to protect Steve's rights. Ms Williams also refused to restore the mortgage to the house address. So the mortgage and all tax papers, everything, continues to be mailed to my mother -in -law's residence — not to the home of either owner of the mortgage, AFTER it had gone into pre - foreclosure. This version of this document will stop here regarding Florence Savings Bank. Now it needs to be mentioned that I spoke to HUD before paying these owed monies to FSB. HUD presented 2 options. The first was to pay the debt owed to the bank, thus restoring the mortgage. The second option, given that I wanted a divorce and was not seeking to take possession of the house, was to simply walk away; let the property go into foreclosure. There existed a debt with my name on it; yes, Steve was equally responsible. But the idea of walking away from a debt owed is not part of my culture. I couldn't do that. Three weeks later on November 21, 2008 the upstairs water pipe bursts. Less than $36,000 was owed on the mortgage. This begins my most horrific experience in human behavior that I will ever live through. I had never so strongly wished to turn back time. Now, I wanted to walk away from the property. Today 1 know that the insurance claims manager, Robert Daniels, is a corporate of Florence Savings Bank. It is my belief that Finck & Perras Insurance Agency on Main St in Florence, consciously continued the discriminatory behavior towards me that had been nurtured by Florence Savings Bank for several months prior to this insurance claim. On November 21, 2010, the 2 year anniversary of the insurance claim occurred. Much of my information on the happenings of the claim came to me too late. On November 30 Steve calls me on the phone and screams "I'm going to destroy you." December my Dad is diagnosed with cancer. On a Friday in January, after a week of tests and pre- cancer treatment activities, I needed to return to Florence to get my mail. My dad came along for the ride, because at this point, a drive down the Mass turnpike was a welcomed break from the hospital scene. I receive from Leslie Brown divorce papers stating that Steve wants sole ownership of the house. His desires come as no surprise. I had paid thousands of dollars in EXTRA charges, for work done without the needed contract under MGLs, to a licensed general contractor, Tom Dolan. I have paid all mortgage and taxes on the property Page 5 of 30 me. On June 23, 2011, I am denied access to these delinquency notices in our mortgage file maintained at FSB on the premise that Stephen's rights must be protected. Florence Savings Bank, your attempted butchery of my credit standing in August 2009 FAILED; nobody heeded your false claims of my defaulting on the mortgage. That's why I merely stumbled upon your filth in August 2010 while utilizing my free annual credit report entitlement. Did the FSB employees have a gleeful moment viewing their handy work on their requested copy of my credit report on October 12, 2009? Just checking to make sure everything was as you wished. How about the credit report request made May 19, 2010 — just another check for reassurance purposes. The originals I have were given to me by Steve. Why would he do this? I think it is akin to "In your face — you've been screwed ". Yes, that is how I ended up with a medium sized gym bag filled with other people's papers; simply, when it was too late to be useful, the people involved in the insurance claim saw fit to supply me with their documents that I had needed. Cowards. But I'm getting ahead of myself. Also on June 19, 2008, Steve signs a rental contract agree for an apartment at 14 Gregory Lane, Florence. As mandated by law, the passbook security deposit account is opened with Florence Savings Bank on July 3, 2008 in the names Mona A. Singler Westort — Landlord and Stephen Brozo — Tenant. So......our mortgage is delinquent. Our mortgage is being sent to my mother -in -law's home in Amherst where neither owner of the mortgage is living. This continues. Steve does not pay the mortgage in August, not in September, not in October. NEVER does FSB inform me of these delinquencies. On October 16, 2008 FSB re- discovers my address at 54 Sandy Hill Rd, Florence, and writes me, "You are hereby notified that with regard to the promissory note and mortgage relating to your loan with Florence Savings Bank, you are in default for non - payment of monthly payments. The loan is due for August 1, 2008 and subsequent payments, plus late charges and fees and costs. .... If the default is not cured by January 14, 2009, Florence Savings Bank may take steps to terminate your ownership in the property..." Allow me to scream into the deaf ears. Prior to my asking Steve to allow an equity loan to be taken out to facilitate our divorce which lead to his getting FSB to discriminate against me and CHANGE the mailing address of this mortgage — for the very first time in over 10 years — this mortgage was in EXCELLENT standing. But FSB intentionally allowed the history of this mortgage to be destroyed. And they haven't been quiet about it either. Now I have no evidence that FSB sent an identical letter to either Steve's residential address in Florence or to his mother's address in Amherst. FSB continues to torment me by refusing, on June 23, 2011, to provide me with such information that would be contained in our mortgage file. Again, Stephen's rights Page 4 of 30 None of these reasons could be used to change the address of the mortgage without BOTH owners signatures. FSB knew that. But as of February 2008, I never received any mailings from FSB regarding this mortgage. When I went in to FSB loan department in Florence to inform them that I hadn't received the February loan statement I was told that Steve was taking care of the mortgage — his name was listed first, therefore, Steve was the rightful owner of the mortgage. This is a joint mortgage. The ownership is not determined by which name comes first. For tax purposes, the first name's ss# is generally used. But this does not change the ownership and liability of the mortgage. The previous month I couldn't simply change the street address to the new PO Box without Steve's signature, which he refused. But now I'm told that Steve could change the mailing address without my signature; without my knowledge. I soon gave up the argument by simply asking had the mortgage been paid? The answer was yes, so I let it go. I was reasonably distraught to have been told that all these years the mortgage belonged to Steve. FSB has no idea the monies that I contributed to the down payment nor the monies that I had paid on the monthly installments. This was just too surreal. FSB is claiming that the mortgage did not change its mailing address until June 19, 2008. Well, I can only indirectly fight this by the fact that all payments from February 2008 up to June 2008 where made with UMASS 5 college credit union checks drawn on an account solely owned by Steve. How would Steve of known to make these payments if he had not been informed by FSB either by mail or otherwise? I surmise that FSB is claiming that they gave Steve the mortgage in June because of repeated defaults in the Spring. I put this together from reading the mortgage, which is certainly not written for the homeowner to read. If I had received the mortgage documentation during these months, the mortgage would have continued to be paid on time. I had every conceivable reason in the world to preserve the excellent standing of our mortgage. An equity loan for a divorce was the #1 priority; to secure another mortgage on some other property in the future after I am divorced or to help my daughter Kimberly with a car or schooling are also possibilities. I stand firm on this matter — the mortgage was not mailed to my address beginning in February 2008. FSB assured me Steve had paid the mortgage in February. Steve had always been a man who pays his bills. I saw no reason for concern. Simply, Steve wanted to control the mortgage; he wanted the house. I knew this. My request for the divorce settlement was for Steve to buy me out. On June 19, 2008 FSB officially approves Steve's official address change of the mortgage to 75 Russellville Rd in Amherst. The approval comes without requiring Steve to settle June's mortgage which is delinquent at this date in time. No. Rather on July 1 a delinquency notice will be sent to Amherst. On August 1 a delinquency notice will be sent to Amherst for both June and July payments. NONE OF THESE DELIQUENCIES NOTICES WILL EVER BE SENT TO MY ADDRESS. FSB intentionally does NOT inform Page 3 of 30 So what did Steve say to you FSB in that winter of 2008 to get the address changed to his mother's residence? That I kicked him out of the house? It was a removal by way of an arrest in late May 2005. There was restraining order in place. Did Steve claim that his mail was being thrown in the trash by me? That I was throwing his bills in the trash? After 2 Y years don't you think Steve has done a change of address with his creditors. He had. No mail for Steve came to the house. Do you seriously think Steve wanted to risk my reading his personal bank statements or his credit card expenditures? Of course not. Did Steve suggest I was truing to take out a home improvement loan? This is what Steve told me he had said to FSB while in my driveway on July 2, 2011, after 1 pleaded with him to leave me be. So is this the unsubstantiated lie that Florence Savings Bank shared with Finck & Perras Insurance Agency who in turn shared with George Butler Adjusters of West Springfield who in turn shared with the contractors and Louis Hasbrouck? Is this what FSB told the office of the Commissioner of Banks? How about Representative Rosenberg's office? NO ONE DISCUSSED THIS INFORMATION WITH ME. NO ONE ATTEMPTED TO VALIDATE THE CLAIMS OF FSB. "...justice for all" "....a system of checks and balances" "TRUST" Was it pleasing to watch the general contractor Tom Dolan force me to pay all insurance monies 3 weeks into the job, a violation of MGLs, depositing my credit card checks in Florence Savings Bank. Hey let's try to force her into credit card bankruptcy. I was trying to get a divorce. That's what an equity loan was for. All that was needed here was for FSB, for anyone of you in this city, to present on top of the table, was Steve's claim. Then 1 could have readily produced the documentation necessary to dispute his claims. The destructiveness to my life, my health, my daughter's life, my daughter's needs would never have occurred. Favoritism at the expense of individual rights, in lieu of TRUTH is the order of the day in the City of Northampton. Obviously FSB, Finck & Perras, and George Butler Adjusters have a serious deficit in the areas of ethics, morality, and conscience. To rephrase, perhaps FSB simply took pleasure in defecating on the non - native female spouse. Stephen is a native to the Pioneer Valley and 1 being the daughter of a German immigrant from the eastern part of the state with no lineage to this valley, the choice of favoritism was simply a no- brainer in this city. Page 2 of 30 V ■ r .g Y 1 se a ; H b ;; • __i 0 The story of begins with Florence Savings Bank, the bank with the billboard on State Rte 9 in Hadley saying, R C_I • Big Banks Behaving Badly �.� - me Get Even. Florence Savings Bank DEPT. OF BUILDING • What banking feature is being promoted here? NORTHAMPTON. I AO1. That "Get Even" bit, I'm very familiar with this. It's Steve Brozo's way of life. As unluck would have it, our mortgage was with a bunch who think, behave, and operate like Steve. Interestingly, my mail during the later months of 2007 was sporadic. Tuesday there would be nothing. Friday there would be an overflow. Then the most unusual scenario occurred. I received mail on a Sunday! All jammed into the box, certainly not the high quality of service 1 had always received from my postman. So rather than try to sort these strange happenings out, I concluded that perhaps I simply should get a PO Box like we had always had in our previous town. I got the box at Florence in my name and my daughter's name only. There was no reason for Steve's name for he hadn't lived in Florence for close to 2 % years nor were there any expectations of our ever getting back together. Then I went about changing my address. Everyone in the city was agreeable to putting my name first to ensure delivery to the only person who consistently paid the bills on time; these included the Assessor's Office, the water department, Finck & Perras, and the electric company which had already put the account in my name. But not Florence Savings Bank. No, 1 needed Steve's signature on the address change form. Steve refused. In October 20071 began discussions with the Law Offices of the Massachusetts Justice Project in Holyoke. Attorney Luckens writes his first letter to me, dated October 24, 2007, stating he was trying to get my case referred to Western Mass Legal Services for possible representation. I get a second letter from Attorney Luckens, dated November 14, 2007. He says that due to substantial equity in our home I do not qualify for a pro bono attorney. Then he says "I suggest you ask your husband to agree to sign off on an equity loan that would allow you to retain an attorney." I presented this letter to Steve in early January 2008. Steve refused to allow an equity loan to be taken out. Now up to this point the mortgage, dating back to August 1997, was in excellent standing. There was absolutely no change in the payment of this mortgage, by me, after Steve had moved out in June 2005. Page 1 of 30 ,. r 138" 1 " 24" n 18" , 391" 12" 30" ,' 12" 1 1. 35 I 9" ," 3 :" y 15" 31" / 12" W1830L1 ; ,r--- -- �-,N .I 1230 W30 ' sam N i.°) a BT,F3 . S1333 _ ,B15L -- = —-- -- a ' 1f II e c 9 ep j Em co a � T.' ` v N N L . e 1 � s ,� —. %i m N _ ��- B24SS, f VL4SS N — RW361224 N \ l W2430 N . , � St W2430 -° . ;� Tom• �s� ,-°' / 49," 24" 3„ 3. " 5 24" C„ i 93' 5" i / 49+" 24" i 36" 1 24" 4" T 17 138" All dimensions maize designations given are 9 . This is an original design and must not be Designed: 12/16/2008 subject to verification on job site and TECHNOLOGIES released or copied unless applicable fee has Printed: 12/16/2008 adjustment to fit job conditions. been paid or job order placed. t�,onson All Drawing #: 1 y! v(,,/ct'w\ (A) 1:\) I, .),{) 061 -v e1 (/6� AP N V1,60 , -� 1 ,ry via 3 °Ci (IWIJIISPOLIj /(W\ i\j' MASSACHUSETTS UNIFORM APPLICATION FOR PERMIT TO DO PLUMBING C. _ 'T= _ Cityfrown o rri N tw i i , MA. Date / 13 9 7 Permit# f Vi -�¢' �+ 1 _: Building Loca �( Q / O wners Name Ir+1 1 Tl r l . Type of Occ Commercial i s Educational s Industrial Institutional ` 6 Residentia�/ New: . ` Alteration:: Renovation Replacement Plans Submitted: Yes ` No g JAN 1 5 2009 FIXTURES w `o g w __ z co >' L9 3 u) a re CO I Y g m F a N z D O z W x i i w rn ~ w rn Y 2 o- x O LL r ix _ a w p 1 2 a w co J -. z ce re oe Y z o o I — x z Q az , � re a a N y° a o 4 cr 0 0 z° a a a a I a m CO CI o w 0 x Y _I-3 rt (0 LO I— 3 o SUB BSMT. BASEMENT 1 FLOOR 1 2 1. ' 1 1 I 2 1V0 FLOOR 1 / 3"" FLOOR - 4r" FLOOR 5'" FLOOR 6'" FLOOR 7'" FLOOR 8'" FLOOR _ _ _ _ • Check One Only Certificate # Installing Company Name: Walunas Plumbing & Heating Inc ` , _ _. ✓ Corporation 2667 Address 218c College Highway Ci ty/Town Sout hampton g thth MA: ,. a Partnership i L, Business Tel ; 413 -529 -2675 Fax: ' 413-529-2675 Firm/Company Name of Licensed Plumber L z_ James Walunas y, ,I INSURANCE INSURANCE COVERAGE: I have a current liability insurance policy or its substantial equivalent which meets the requirements of MGL. Ch. 142 Yes ' u No If you have Checked Y , please indicate the type of coverage by checking the appropriate box below. A liability insurance po M` Other type of indemn Bond OWNER'S INSURANCE WAIVER: 1 am aware that the licensee does not have the insurance coverage required by Chapter 142 of the Massachusetts General Laws, and that my signature on this permit application waives this requirement. Check One Only Owner Agent Signature of Owner or Owner's Agent I hereby certify that all of the details and information I have submitted (or entered) regarding this application are true and accurate to the best of my Knowledge and that all plumbing work and installations performed under the permit issued for this application will be in compliance with all Pertinent provision of the Massachusetts State Plumbing Code and Chapter 142 of the General Laws. B y ,•., _ Type of fi T f Li � - / Title; ✓ Plumber Si "'ature of Licensed Plumber CityfTown Joumeyman License Number: ' 12631 APPROVED (OFFICE USE ONLY) 54 SANDY HILL RD EP- 2009 -0518 COMMONWEALTH OF MASSACHUSETTS CITY OF NORTHAMPTON Map: 29 Lot: 403 ELECTRICAL PERMIT Permit: Electrical Category: Remove & Repair water damagewiring from 2nd fir Permit # Electrical PERMISSION IS HEREBY GRANTED TO: Project # JS- 2009 - 000915 Est. Cost: Contractor: License: Fee: 65.00 MICHAEL LONG Electrician 50407 Owner: BRONSON VANESSA & STEPHEN A BROZO Applicant: MICHAEL LONG AT: 54 SANDY HILL RD Applicant Address Phone Insurance 17 DICKINSON ST (413) 584 - 7665 Liability, MPI97313 NORTHAMPTON MA01060 - 1503 ISSUED ON:1/12/2009 0:00:00 TO PERFORM THE FOLLOWING WORK: Remove & Repair water damagewiring from 2nd flr Call In Date: Date Requested Inspection Date /SignOff: Reinspect ?: Trench/UG: Special Instructions Rough /4 Val evih4 l 4wx l�S w Ct �j j ,4c s f40- Special Instructions: Final: -31/4.<9A1 N �� — "Zf)iti•fS rry f' /tsgrAvep d EX f osC,d re/Cc.. thf ,A4 &, st SRE Called In: Signature: Fee Type:: Amount: DatePaid Electrical 65.00 1/12/2009 0:00:00 169 212 Main Street, Phone (413) 587 -1244, Fax (413) 587 -1272 - Inspector of Wires - George Fournier i ., , 1 , Commonwealth o/ //laddachuJe Official Use Only o ' ' cc � epartment o c�77 ��77 rvices Permit No. f /�Q f �f'k ' o — � 2/ .. ire Je p 1 to Occupancy and Fee Checked/ '5 s `_� i BOARD OF FIRE PREVENTION REGULATIONS [Rev. 1/07] (leave blank) Q APPLICATION FOR PERMIT TO PERFORM ELECTRICAL WORK "`, All work to be performed in accordance with the Massachusetts Electrical Code (MEC), 527 CMR 12.00 _.(k, SE PRINT IN INK OR TYPE ALL INFORWTIOM Date: /—/ R-07 .1404.- E ( I City or Town of: r j1/24 , l "04 To the Inspector of Wires: __day this application the undersigned gives notice of hi or her intention to erform the electrical work described below. Location (Street & Number) , y ` j /1 04 Owner or Tenant V�,7/ e54, / 8/7:7 O' Telephone No. ,...C er� 11.5 Owner's Address „....4 „j �,�tJ' /7// // / � Is this permit in conjunction wit a 6uilding permit? Yes Er No ❑ (Check Appropriate Box) i/f f Purpose of Building ✓�G Q/l '/ f Utility Authorization No. Existing Service Xi, Amps 1,x'® /i2y© oV lts Overhead n Undgrd n No. of Meters ( • New Service Amps / Volts Overhead ❑ Undgrd n No. of Meters Number of Feeders and Ampacity Location and at e of Proposed Electrical Work: I -,,,,,9fr ' 0 fJ / i /- / gin', - iv./7 ,5e 40 .0.0, r , MIF.M "'7f21 0 gerZf !. P' f 40?..,t Completio of the following table may be. waived by the nspector of Wir•s. No. of Recessed Luminaires No. of CeiL -Susp. (Paddle) Fans Transformers KVA No. of Luminaire Outlets No. of Hot Tubs Generators KVA No. of Luminaires Swimming Pool Above ❑ In- ❑ No. of i mergency Lighting grnd. grnd. Battery Units No. of Receptacle Outlets No. of Oil Burners FIRE ALARMS No. of Zones of No. of Switches No. of Gas Burners No. Initiatinng gon Dete and In Devices No. of Rang No. of Air Con d. Total No. of Alerting Devices b Tons No. of Waste Disposers Heat Pump Number Tons KW No. of Self - Contained p Totals: , , �� - -W Detection /Alerting Devices No. of Dishwashers Space/Area Heating KW Loca Municipal ect No. of Dryers Heating Appliances KW Devices or Equivalent No. of Water, No. of No. of Data Wiring: Heaters _ Signs Ballasts No. of Devices or Equivalent No. Hydromassage Bathtubs No. of Motors Total HP Telecommunications Waring: No. of Device or Equivalent OTHER: Attach additional detail if desired, or as required by the Inspector of Wires. Estimated Value of Electrical Work: (When required by municipal policy.) Work to Start: Inspections to be requested in accordance with MEC Rule 10, and upon completion. INSURANCE COVERAGE: Unless waived by the owner, no permit for the performance of electrical work may issue unless the licensee provides proof of liability insurance including "completed operation" coverage or its substantial equivalent. The undersigned certifies that such coverage is in force, and has exhibited proof of same to the permit issuing office. CHECK ONE: INSURANCE NK BOND ❑ . OTHER ❑ (Specify:) I certify, under the pains penalties of perjury, that the information on this application is true and complete. FIRM NAME: ,tfi�' aei L O/ , LIC. NO.: EtD1/ Licensee: /•/;thole! L, 0.195 Signature /�_ A If ,,„,..„6v IC. NO. O 4 7 (If applicable, enter "exempt" in the license grmb er line.) / f : us. TeL No.: . a 6 45 Address: /7 _.0 /rid 50/9 • 4 , 0, 7'4Qi117 0 4 , Ai' 4 o € Alt. Tel. No. 9i.—, Sa7-3/ ]y *Per M.G.L. c. 147, s. 57 -61, security work requires nepartment of Public Safety "S" License: Lic. No. OWNER'S INSURANCE WAIVER: I am aware that the Licensee does not have the liability insurance coverage normally required by law. By my signature below, l hereby waive this requirement. I am the (check one) ❑ owner ❑ owner's agent. Owner/Agent -4.4%34 Signature Telephone No. 1 PERMIT FEE: $ --- -- 54 SANDY HILL RD BP- 2009 -0631 GIS #: COMMONWEALTH OF MASSACHUSETTS Map:Block: 29 - 403 CITY OF NORTHAMPTON Lot: -001 PERSONS CONTRACTING WITH UNREGISTERED CONTRACTORS Permit: Building DO NOT HAVE ACCESS TO THE GUARANTY FUND (MGL c.142A) Category: BUILDING PERMIT Permit # BP- 2009 -0631 Project # JS- 2009 - 000915 Est. Cost: $23400.00 Fee: $140.40 PERMISSION IS HEREBY GRANTED TO: Const. Class: Contractor: License: Use Group: TOM DOLAN Lot Size(sq. ft.): 33628.32 Owner: BRONSON VANESSA & STEPHEN A BROZO Zoning URA(100) //WSP Applicant: TOM DOLAN Applicant Address: Phone: Insurance: P O BOX 297 (413) 585 -0612 CHESTERFIELDMA01012 ISSUED ON :1/7/2009 0 :00 :00 TO PERFORM THE FOLLOWING WORK: Repair water damage; kitchen and bathroom POST THIS CARD SO IT IS VISIBLE FROM THE STREET Inspector of Plumbing Inspector of Wiring D.P.W. Building Inspector Underground: Service: Meter: Footings: Rough: ) .- 4 —'t Rough: /a7 -bla j House # Foundation: AC-09 Driveway Final: Final: 3 " J Final: V: „ 1� c� ►�� Rough Frame:/"C / o� / _44 Gas: Fire Department Fireplace /Chimney: Rough: Oil: Insulation: (2 Final: Smoke: Nina:: op( THIS PERMIT MAY BE REVOKED BY THE C TY OF NORTHAMPTON UPON VIOLATION OF ANY OF ITS RULES AND REGULATIONS. Certificate of Occu•anc - r� A,. Si. nature: FeeType: Date ' aid: Amount: Building 1/7/2009 0:00:00 $140.406289 212 Main Street, Phone (413) 587 -1240, Fax: (413) 587 -1272 Building Commissioner - Anthony Patillo HOME OWNER EXEMPTION ACKNOWLEDGEMENT The State of Massachusetts allows the homeowner the right under 780CMR 108.3.4 to act as his/her construction supervisor. The state defines "Homeowner" as, " Person(s) who owns a parcel on which he/she resides or intends to be, a one or two family dwelling, attached or detached structures accessory to such use and/or farm structures. A person who constructs more than one home in a two -year period shall not be considered a home owner." The building department for the City of Northampton wants person(s) who seek to use the home owner exemption, to act as their own construction supervisor, to be aware that by doing so you become responsible for compliance with state building codes and regulations. The inspection process requires that the building department be called to inspect work at various stages, which include foundation /footings (before backfill). sonotube holes (before pour), a rough building inspection (before work is concealed). insulation inspection (if required) and a final building inspection. The building department requires these inspections before the work is concealed, failure to secure these inspections can result in failure to obtain a certificate of occupancy until the work can be inspected. If the homeowner hires other trades to perform work (electrical, plumbing & gas) the homeowner will be responsible to make sure that the trades hired secure their proper permits in conjunction to the building permit issued, and that they get their required inspections. Failure of the individual trades to secure the permits and inspections as required can DELAY the project until such time as the proper permits and inspections are made I, understand the above. (Home owner /resident's signature requesting exemption) I will call to schedule all required building inspections necessary for the building permit issued to me. Date Address of work location The Commonwealth of Massachusetts Department of Industrial Accidents ; Office bf Investigations 600 Washington Street M Boston, MA 02111 www.mass.gov/dia Workers' Compensation Insurance Affidavit: Builders / Contractors /EIectricians /PIumbers Applicant Information Please Print Legibly • Name (Business /Organization/Individual): 701 DojAki 6 eh / 6442 Address: ?a. &o! 0291 City /State /Zip: C eS t-1 �// Wel O m/Z- Phone #: 'V /3 - rl 6 / t. Are you an employer? Check the appropriate box: Type of project (required): 1. Kt / I am a employer with t 4. 0 I am a general contractor and I 6..❑ New construction employees (full and/or part- time).* have hired the sub - contractors 2. I am a sole proprietor or partner- listed on the attached sheet. 7. 0 Remodeling ship and have no employees These sub - contractors have 8. 0 Demolition working for me in any capacity. employees and have workers' 9: Building addition [No workers' comp. insurance comp. insurance.$ required.] 5. 0 We are a corporation and its 10.0 Electrical repairs or additions 3. I am a homeowner doing all work officers have exercised their 11.0 Plumbing repairs or additions myself. [No workers' comp. right of exemption per MGL 12.0 Roof repairs insurance required.] t c. 152, § 1(4), and we have no employees. [No workers' 13.0 Other comp. insurance required.] *Any applicant that checks box #1 must also fill out the section below showing their workers' compensation policy information. t Homeowners who submit this affidavit indicating they are doing all work and then hire outside contractors must submit a new affidavit indicating such. ( Contractors that check this box must attached an additional sheet showing the name of the sub - contractors and state whether or not those entities have employees. If the sub - contractors have employees, they must provide their workers' comp. policy number. I am an employer that is providing workers' compensation insurance for my employees. Below is the policy and job site information. L[ // �.y� Insurance Company Name: /i /�/e� r'/' /// v0i J05 Policy # or Self-ins. Lic. #: pv L 2 - 3/5"- 36 Zl ff - O / 7 Expiration Date: 5 - 0 Q o _ 0/06a. Job Site Address: S �/ , S4y'Y A// re/ C ity/ /State /Zip: Attach a copy of the workers' compensation policy declaration age (showing the policy number and expiration date). Failure to secure coverage as required under Section 25A of MGL c: 152 can lead to the imposition of criminal penalties of a fine up to $1,500.00 and/or one -year imprisonment, as well as civil penalties in the form of a STOP WORK ORDER and a fine of up to $250.00 a day against the violator. Be advised that a copy of this statement may be forwarded to the Office of Investigations of the DIA for insurance coverage verification. I do hereby certify under he pains and penaltie s 'r ry that the information provided above is true and correct Sienature: 674.7 010-- Date: --TAn1 - 7 olDO j Phone #: 11/3 -505 = 06/2 /e, 1 1/3 - ZQ' 7 5'/6 V Official use only. Do not write in this area, to be completed by city or town officiaL City or Town: Permit/License # Issuing Authority (circle one): 1. Board of Health 2. Building Department 3. City/Town Clerk 4. Electrical Inspector 5. Plumbing Inspector 6. Other • Contact Person: Phone #: • SECTION 8 - CONSTRUCTION SERVICES 8.1 Licensed Construction Supervisor: Not Applicable ❑ Name of License Holder : 710d70.5 $ d/ ` 4 /' S 89 02 ?/ License Number 7 , � o� , 29 `y , '4"� Mr '// A O/' /2 - /2 P 01 Addr Expiration Date C�y " /3 5o 06 /1 , - Signature Telephone yt x t Con . asx;�- r -'mow ' ar* c. +y��. .. a7 ',. 9_:Reglstered Eiorne5lmiiTa ement;Contra a ,�,,, fWir: �;nffri, rla � -. Not Applicable ❑ Company Name Registration Number Pi i130.4' Q297 e3/Pot /-i //J !nk. O)O /Z 9 -- 2-5-- Address Expiration Date Telephone S:s' ®d�7 SECTION 10- WORKERS' COMPENSATION INSURANCE AFFIDAVIT of G L c 1-52, § 2sC (6)) . ? Workers Compensation Insurance affidavit must be completed and submitted with this application. Failure to provide this affidavit will result in the denial of the issuance of the building permit. Signed Affidavit Attached Yes ❑ No ❑ � ; I inetg, e . The current exemption for "homeowners" was extended to include Owner- occupied Dwellings of one (1) or two(2) families and to allow such homeowner to engage an individual for hire who does not possess a license, provided that the owner acts as supervisor. CMR 780, Sixth Edition Section 108.3.5.1. Definition of Homeowner: Person (s) who own a parcel of land on which he /she resides or intends to reside, on which there is or is intended to be a one or two family dwelling, attached or detached structures accessory to such use and/ or farm structures. A person who constructs more than one home in a two -year period shall not be considered a homeowner. Such "homeowner" shall submit to the Building Official, on a form acceptable to the Building Official, that he /she shall be responsible for all such work performed under the building permit. As acting Construction Supervisor your presence on the job site will be required from time to time, during and upon completion of the work for which this permit is issued. Also be advised that with reference to Chapter 152 (Workers' Compensation) and Chapter 153 (Liability of Employers to Employees for injuries not resulting in Death) of the Massachusetts General Laws Annotated, you may be liable for person(s) you hire to perform work for you under this permit. The undersigned "homeowner" certifies and assumes responsibility for compliance with the State Building Code, City of Northampton Ordinances, State and Local Zoning Laws and State of Massachusetts General Laws Annotated. Homeowner Signature Ae SECTION 5- DESCRIPTION OF PROPOSED WORK (check all applicable) New House n Addition ❑ Replacement Windows Alteration(s) Roofing n Or Doors D Accessory Bldg. ❑ Demolition ❑ New Signs [D] Decks [L7 Siding [D] Other [CI] Brief Description of Proposed AM A, t d . .� Work: ° e ot/AlY r9.171bzi. AM t'w d 71 o l.4T t'di ![Il1lL , Zii<, 44 Alteration of existing bedroom Yes y No Adding new bedroom Yes d No Attached Narrative Renovating unfinished basement Yes /No Plans Attached Roll - Sheet 6 If New house, and or'idditi tii_existl irl QUSUna,.complete Thiel 11ti a. Use of building : One Family Two Family Other b. Number of rooms in each family unit: Number of Bathrooms c. Is there a garage attached? d. Proposed Square footage of new construction. Dimensions e. Number of stories? f. Method of heating? Fireplaces or Woodstoves Number of each g. Energy Conservation Compliance. Masscheck Energy Compliance form attached? h. Type of construction i. Is construction within 100 ft. of wetlands? Yes No. Is construction within 100 yr. floodplain Yes No j. Depth of basement or cellar floor below finished grade k. Will building conform to the Building and Zoning regulations? Yes No . I. Septic Tank City Sewer Private well City water Supply SECTION. 7a - OWNER AUTHORIZATION TO BE COMPLETED WHEN OWNERS AGENT OR CONTRACTOR APPLIES FOR BUILDING • I, X ! i / / hit PO '.` _ , as Owner of the subject property hereby -uth .rize to a'% .n m behalf, in all matters relative to work authorized by this building permit a. •lication. X a.A41.4 e r 7 D 7 Sig afu of Owner Date C/ f P.5. S G ( 1)5 ell , as Owner /Authorized Agent hereby declare that the statements and information on the foregoing application are true and accurate, to the best of my knowledge and belief. Signed nder the pains and penal 'es of perjury. 0.iO 0 i 1 • • Print ■ r 7 rr Da � Sig • ture . f Owner /Agent Section 4. ZONING All Information Must Be Completed. Permit Can Be Denied Due To Incomplete Information Existing Proposed Required by Zoning This column to be filled in by Building Department Lot Size _ _ ._. _ ... Frontage _ . _ __ -___ _ __ Setbacks Front Side L:' R:'__? L R: _. Rear ----- L . Building Height F Bldg. Square Footage -. - ` - ---- 1 % r.__ r i Open Space Footage % , €€ (Lot area minus bldg & paved 3 parking) # of Parking Spaces . Fill: 1 ._ _ �. .. i I (volume & Location) - i A. Has a Special Permit /Variance /Finding ever been issued forlbn the site? NO 0 DONT KNOW 0 YES 0 IF YES, date issued:I I IF YES: Was the permit recorded at the Registry of Deeds? NO 0 DONT KNOW 0 YES 0 IF YES: enter Book Pagel , 1 and /or Document # B. Does the site contain a brook, body of water or wetlands? NO Q DONT KNOW (,) YES 0 IF YES, has a permit been or need to be obtained from the Conservation Commission? Needs to be obtained 0 Obtained , Date Issued: C. Do any signs exist on the property? YES 0 NO 0 IF YES, describe size, type and location: D. Are there any proposed changes to or additions of signs intended for the property ? YES 0 NO 0 IF YES, describe size, type and location: E. Will the construction activity disturb (clearing, grading, excavatiorr, or filling) over 1 acre or is it part of a common plan that will disturb -over 1 acre? YES 0 NO ex IF YES, then a Northampton Storm Water Management Permit from the DPW is required. £ 3c . , 1- ;11;)_ ®Re 1J82 City of Northampton P .. .. , Building Department e -V B f 212 Main Street a g .- Room 100 Northampton, MA 01060 a r{: phone 413- 587 -1240 Fax 413- 587 -1272 1? office APPLICATION TO CONSTRUCT, ALTER, REPAIR, RENOVATE OR DEMOLISH A; i ONE OR MD FAiyIIL lYELLU SECTION 1 - SITE INFORMATION r� c� 1.1 Property Address: This section t .Completed b ot 5 f 5tndy /'1) 7 21 Maps Lot Unit F (� � o � � � Zone Overlay District 'QA1 -Ce on) St District CB District SECTION 2 - PROPERTY OWNERSHIP /AUTHORIZED AGENT 2.1 Owner of Record: //__ �/ E I ►' i►* r1 a• ?O 6 CD ©7 l 2 Na a (Znnt) Current Mailing Address: —. S `� b �t'/ 3 Telephone Signa.ure 2.2 Authorized Agent: 7 ,n s . ( a2 6 (o,i / n . P�, e?,k o Oh - eL �J,f 4 /0T 2-- Namn Current Mailing Address: l Cpl/ 2 97 -Sat/ Si ure Telephone F. s 15:5 -06/ SECTION 3 ESTIMATED CONSTRUCTION COSTS Item Estimated Cost (Dollars) to be Official Use Only completed by permit applicant 1. Building o (a) Bonding Permit Fee /D /IUD 2. Electrical (b) Estimated Total Cost of g D Construction. from (6)- 3. Plumbing Building Permit Fee yo 4. Mechanical (HVAC) 5. Fire Protection ( �. 6. Total = (1 + 2 + 3 + 4 + 5) � 3, yD 0 Check Number 6 2 8', t '1t' / 0 This Section For. Official Use Only Date Building Permit Number. - 'lssued: Signature: Building Commissioner/Inspector of Buildings Date File # BP -2009 -0631 APPLICANT /CONTACT PERSON TOM DOLAN ADDRESS/PHONE 172 SOUTH STREET CHESTERFIELD (413) 585 -0612 PROPERTY LOCATION 54 SANDY HILL RD MAP 29 PARCEL 403 001 ZONE URA(100) //WSP THIS SECTION FOR OFFICIAL USE ONLY: PERMIT APPLICATION CHECKLIST ENCLOSED REQUIRED DATE ZONING FORM FILLED OUT Fe, Paid L• ui1 'ng Permit Filled out Paid its 628 7 110. 610 Typeof Construction: Repair water damage; kitchen and bathroom New Construction Non Structural interior renovations Addition to Existing Accessory Structure Building Plans Included: Owner/ Statement or License 3 sets of Plans / Plot Plan THE FOLLOWING ACTION HAS BEEN TAKEN ON THIS APPLICATION BASED ON INFO ATION PRESENTED: I./Approved Additional permits required (see below) PLANNING BOARD PERMIT REQUIRED UNDER:§ Intermediate Project: Site Plan AND /OR Special Permit With Site Plan Major Project: Site Plan AND /OR Special Permit With Site Plan ZONING BOARD PERMIT REQUIRED UNDER: § Finding Special Permit Variance* Received & Recorded at Registry of Deeds Proof Enclosed Other Permits Required: Curb Cut from DPW Water Availability Sewer Availability Septic Approval Board of Health Well Water Potability Board of Health Permit from Conservation Commission Permit from CB Architecture Committee Permit from Elm Street Commission _ Permit DPW Storm Water Management Demolition Delay 01 /07/0 Signature of Building Official Date Note: Issuance of a Zoning permit does not relieve a applicant's burden to comply with all zoning requirements and obtain all required permits from Board of Health, Conservation Commission, Department of public works and other applicable permit granting authorities. * Variances are granted only to those applicants who meet the strict standards of MGL 40A. Contact Office of Planning & Development for more information. ,4 , NDy HILL RD BP- 2009 -0631 GIs # COMMONWEALTH OF MASSACHUSETTS Map:Bloek 294.34 CITY OF NORTHAMPTON Lot: -001 PERSONS CONTRACTING WITH UNREGISTERED CONTRACTORS Permit: Building DO NOT HAVE ACCESS TO THE GUARANTY FUND (MGL c.142A) Category: BUILDING PERMIT Permit # BP- 2009 -0631 Project # JS- 2009 - 000915 Est. Cost: $23400.00 Fee: $140.40 PERMISSION IS HEREBY GRANTED TO: Const. Class: Contractor: License: Use Group: TOM DOLAN Lot Size(sq. ft.): 33628.32 Owner: BRONSON VANESSA & STEPHEN A BROZO Zoning: URA(100) //WSP Applicant: TOM DOLAN AT: 54,SANDY HILL RD Applicant Address: Phone: Insurance: 172 SOUTH STREET (413) 585 -0612 CHESTERFIELDMA01012 ISSUED ON:1/7/2009 0:00:00 TO PERFORM THE FOLLOWING WORK: Repair water damage; kitchen and bathroom POST THIS CARD SO IT IS VISIBLE FROM THE STREET Inspector of Plumbing Inspector of Wiring D.P.W. Building Inspector Underground: Service: Meter: Footings: Rough: Rough: House # Foundation: Driveway Final: Final: Final: Rough Frame: Gas: Fire Department Fireplace /Chimney: Rough: Oil: Insulation: Final: Smoke: Final: THIS PERMIT MAY BE REVOKED BY THE CITY OF NORTHAMPTON UPON VIOLATION OF ANY OF ITS RULES AND REGULATIONS. Certificate of Occupancy Signature: FeeType: Date Paid: Amount: Building 1/7/2009 0:00:00 $140.406289 212 Main Street, Phone (413) 587 -1240, Fax: (413) 587 -1272 Building Commissioner - Anthony Patillo t Li (3) Water below the surface of the ground, h. Intentional Loss, meaning any Toss arising including water which exerts pressure on or out of any act committed: seeps or leaks through a building, sidewalk, (1) By or at the direction of an "insured "; and driveway, foundation, swimming pool or other structure. (2) With the intent to cause a loss. Direct loss by fire, explosion or theft resulting 2. We do not insure for loss to property described in from water damage is covered. Coverages A and B caused by any of the follow- ing. However, any ensuing Toss to property de- d. Power Failure, meaning the failure of power scribed in Coverages A and B not excluded or ex- or other utility service if the failure takes place cepted in this policy is covered. off the "residence premises." But, if a Peril In- , sured Against ensues on the "residence prem- a. Weather conditions. However, this exclusion ises," we will pay only for that ensuing loss. only applies if weather conditions contribute in any way with a cause or event excluded in e. Neglect, meaning neglect of the "insured" to paragraph 1. above to produce the loss; use all reasonable means to save and pre- serve property at and after the time of a toss. b. Acts or decisions, including the failure to act or decide, of any person, group, organization f. War, including the following and any conse- or govemmental body; quence of any of the following: c. Faulty, inadequate or defective: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (1) Planning, zoning, development, surveying, siting; (2) Warlike act by a military force or military personnel; or (2) Design, specifications, workmanship, re- pair, construction, renovation, remodeling, (3) Destruction, seizure or use for a military grading, compaction; purpose. (3) Materials used in repair, construction, Discharge of a nuclear weapon will be deemed renovation or remodeling; or a warlike act even if accidental. (4) Maintenance; g. Nuclear Hazard, to the extent set forth in the of part or all of any property whether on or off Nuclear Hazard Clause of SECTION I— p y P p e CONDITIONS. the "residence premises." SECTION I — CONDITIONS 1. Insurable Interest and Limit of Liability. Even if (1) Make reasonable and necessary repairs to more than one person has an insurable interest in protect the property; and the property covered, we will not be liable in any (2) Keep an accurate record of repair ex- one loss: penses; a. To the "insured" for more than the amount of e. Prepare an inventory of damaged personal the "insured's" interest at the time of loss; or property showing the quantity, description, ac- b. For more than the applicable limit of liability. tual cash value and amount of loss. Attach all 2. Your Duties After Loss. In case of a loss to bills, receipts and related documents that jus- covered property, you must see that the following tify the figures in the inventory; are done: f. As often as we reasonably require: a. Give prompt notice to us or our agent; (1) Show the damaged property; b. Notify the police in case of loss by theft; (2) Provide us with records and documents we c. Notify the credit card or fund transfer card request and permit us to make copies; and company in case of loss under Credit Card or (3) Submit to examination under oath, while Fund Transfer Card coverage; not in the presence of any other "insured," Protect the property from further damage. If and sign the same; repairs to the property are required, you must: HO 00 03 04 91 Copyright, insurance Services Office, Inc., 1990 Page 9 of 18 Northampton Fire Department Page: 2 Incident Report 08/24/2009 Incident #: 08- 4012 -IN Exp. 0 # Apparatus Type Dates /Times Per Use Actions Taken 1 Flo Inspection Vehic Other apparatus /reso Disp 11/24/2008 @ 1459 2 Other C5 Arr 11/24/2008 @ 1512 Clr 11/24/2008 @ 1523 InSv 11/24/2008 @ 1523 2 Engine 2 Engine Disp 11/24/2008 @ 1458 2 Suppr E2 Arr 11/24/2008 @ 1512 Clr 11/24/2008 @ 1512 InSv 11/24/2008 @ 1512 # ID Personnel Start End Dty Station App 1 F2258 Breen, Andrew 11/24/2008 @ 1458 11/24/2008 @ 1523 R FLO 2 F1129 McCormick, Mark C. 11/24/2008 @ 1458 11/24/2008 @ 1523 R FLO 3 F3274 Pelis, Andrew S. 11/24/2008 @ 1458 11/24/2008 @ 1523 R FLO 4 F1385 Rojas, Vincente 11/24/2008 @ 1458 11/24/2008 @ 1523 R FLO State Critical incident: No Nortnampton tire vepartmenL rdye: � Incident Report 08/24/2009 Incident #: 08- 4012 -IN Exp. 0 Call #: 08 -29728 – — Location: 54 SANDY HILL RD FLORENCE,MA 01062 Census Tract: 8222 -00 District: Florence Station: Florence Station Officer In Charge: on Report By: Pelis, Andrew S. on 11/24/2008 Approved By: Pelis, Andrew S. on 11/24/2008 Basic Incident Information Incident Type: Electrical wiring /equipment problem, other Property Use: 1 or 2 family dwelling Actions Taken: Investigate Resources Used Summary Alarm: 11/24/2008 @ 1458 Arrived: 11/24/2008 @ 1512 Cleared: 11/24/2008 @ 1523 Alarms: 1 Aid: None Apparatus Personnel Suppression: 1 Suppression: 2 EMS: 0 EMS: 0 Other: 1 Other: 2 Casualties Summary Deaths Injuries Fire Service: 0 Fire Service: 0 Civilian: 0 Civilian: 0 Remarks Responded to 54 Sandy Hill Rd. for water in a fixture. Upon arrival found that this was a previous call where we secured power to the kitchen and called Building Inspector. Someone from In Star Restoration showed up today and turned the circuits back on to the kitchen to run some of their equipment. I shut the power off to the circuits again and called the Building Inspector. In Star Representative arrived on scene and said that the power should not have been turned back on and that he would find out who turned power back on. Building Inspector arrived on scene and we returned in service. # People and Entities Involved Type Sex Age Home # Work # 1 Nortnampton lire uepartment rage: z Incident Report 08/24/2009 Incident #: 08- 3983 -IN Exp. 0 # Apparatus Type Dates /Times Per Use Actions Taken 1 Flo Inspection Vehic Other apparatus /reso Disp 11/21/2008 @ 1418 2 Other C5 Arr 11/21/2008 @ 1426 Clr 11/21/2008 @ 1509 InSv 11/21/2008 @ 1509 2 Engine 2 Engine Disp 11/21/2008 @ 1418 2 Suppr - Remove water E2 Arr 11/21/2008 @ 1423 Clr 11/21/2008 @ 1509 InSv 11/21/2008 @ 1509 # ID Personnel Start End Dty Station App 1 F1034 Clark, Thomas 11/21/2008 @ 1416 11/21/2008 @ 1509 R FLO 2 F1282 Galica, Dan 11/21/2008 @ 1416 11/21/2008 @ 1509 R FLO 3 F3175 Morini, Andrew D. 11/21/2008 @ 1416 11/21/2008 @ 1509 R FLO 4 F737 Wade, Michael S. 11/21/2008 @ 1416 11/21/2008 @ 1509 R FLO State Critical incident: No Northampton r'ire uepartment rage: Incident Report 08/24/2009 Incident #: 08- 3983 -IN Exp. 0 Call #: 08 - 29468 Location: 54 SANDY HILL RD FLORENCE,MA 01062 Census Tract: 8222 -00 District: Florence Station: Florence Station Officer In Charge: on Report By: Clark, Thomas on 11/21/2008 Approved By: Clark, Thomas on 11/21/2008 Basic Incident Information Incident Type: Water problem, other Property Use: 1 or 2 family dwelling Actions Taken: Remove water Resources Used Summary Alarm: 11/21/2008 @ 1416 Arrived: 11/21/2008 @ 1423 Cleared: 11/21/2008 @ 1509 Alarms: 1 Aid: None Apparatus Personnel Suppression: 1 Suppression: 2 EMS: 0 EMS: 0 Other: 1 Other: 2 Casualties Summary Deaths Injuries Fire Service: 0 Fire Service: 0 Civilian: 0 Civilian: 0 Remarks Cold response to above address for water problem. Met occupant on scene, broken pipe on second floor, secured water at meter, shutoffs to second floor leaking by. Notify building inspector. Secured power to kitchen area where water had come through light fixtures and leak had caused a portion of the ceiling to collapse. Evacuate 6 inches of water from basement using sump pump on E2. Return in service after building inspector on scene and homeowner briefed on appropriate actions to take. Return in service. # People and Entities Involved Type Sex Age Home # Work # 1 ./ t ;;„ �. ( 1( II t LQ_ L-0 tL..0 rk G ,T 7 ( , i . , _ A \ \ '‘. --' //?? Ct i )(-• • f :: z 5 8 v ,, :„ .,, 0 23 7 .., .., ,.. _ .,... 7 . 1 ,L._ r� / it ,/, ...,,, ._.,, , , . . , .,. 'c7<177 i •11 , o ,-. ,,,,, .4 _ 4 .- ..,_ , ce J--7-1-6t.--,iit.... ouck:vi . , , ., . , . , ., , , , ,. 0......ravc4 (_4( o tir):),rd e , _„.. .,:__ . .- , . ..,,. C___ptl.q(\AO\ i -.. 1 i: s y ---6 ; , ' ._, .., - _ . i ■ 0 I :U1, fit. 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U .a o 9 a) ¢ W 4 Lo h'L v x 3 V, 4 4 w a E 3 q ;� Q z Z k o 0 0 Y ¢ o o 1 3 rz3 0 g N en fTe en 69 69 O a -4 4 O " H 0 d W o c z H A 0 z ° . 0 0 0 ° > w w z ce O.) s z H � ' < z < o ¢ a W W y> O w L z i W ¢ N F W H w In h a x e. ° x d a � W w en 1 CI .� E l'''' ` c F H U a M rig -et p C 0 ° 43 3• 0,1 •� �, ¢ ¢ ¢ 0 0 2 cn a' 0 0 0 w d A 0 .� 2. y > o - x z z z . g m 1 o y o o ° = x . .` � � a 0 z ° N ZN Z ?. (3_. o w g o g o o N d (..7 (.., L77 n -11 a ( va cn d x 11 Z -' 6. o b 0 y 4 z LC a-, � VI CA J cn d 2 d a J 0 x c u o o c C� ,. 2 '3 u 0 0 Qi Y. o • p Q a a ► a 2 i I ¢ O xi m r 0i " 0 , N . V Z Z 0 $ 0 o z o �c Z ¢ o ; in XI W v oa. 0 ti a Q 41 rip u 0.., o cn F 4 x by 0 00 e F A o 0 a cn a cn v E z 0 7 tl .a -0 a . m w a I t7 q d ¢ 11) Jan 23 09 12:55p p.4 r G EORGE A. BUTLER ADJUSTERS, INC. INSURED : VANESSA BRONSON PAGE 2 BUILDING REPAIR ESTIMATE MINIMUM CHARGE =* COPYRIGHT 1967 -01 SJV DESCRIPTION QUANTITY /UNIT UNIT /COST REPL /COST BATHROOM 8.50 X 5.00 X 7.50 REPLACE EXHAUST FAN 1.00 EA 123.44 123.44 REMOVE MEDICINE CAB /SLD MIRR W /LT 1.00 EA 16.63 16.63 PREPLACE MEDICINE CAB /SLD MIRR W /LT 1.00 EA 189.76 189.76 REMOVE SHEETROCK CEILING 1/2" 42.50 SF 0.28 11.90 REPLACE SHEETROCK CEILING 1/2" 42.50 SF 1.71 72.67 TEXTURE CEILING 42.50 SF 0.89 37.83 REMOVE WINDOW TRIM SET (AVG) 1.00 EA 4.18 4.18 REPLACE WINDOW TRIM SET (AVG) 1.00 EA 59.57 59.57 REMOVE DOOR TRIM SET 2 1/2 1 SIDE 1.00 EA 2.75 2.75 REPLACE DOOR TRIM SET 2 1/2 1 SIDE 1.00 EA 47.48 47.48 REMOVE COLONIAL BASE 3 1/2" 13.53 LF 0.32 4.32 REPLACE COLONIAL BASE 3 1/2" 13.50 LF 2.68 36.18 RM /RSET LAVATORY CULT /MARB SB 19" 1.00 EA 102.00 102.00 REMOVE VANITY 30" 1.00 EA 12.38 12.38 REPLACE VANITY 30" 1.00 EA 242.60 242.60 RM /RSET WATER CLOSET 2 PIECE 1.00 EA 103.17 103.17 RM /RSET BATH TUB CAST IRON ENAMEL 1.00 EA 204.00 204.00 REMOVE PLUMBING ACCESSORIES 4.00 EA 5.00 20.00 REPLACE PLUMBIMG ACCESSORIES 4.00 EA 47.34 189.36 REMOVE SHEETROCK WALL(S) 1/2" 202.50 SF 0.28 56.70 REPLACE SHEETROCK WALL(S) 1/2" 202.50 SF 1.71 346.27 REMOVE TUB /SHOWER VALVE 1.00 EA 40.39 40.39 REPLACE TUB /SHOWER VALVE 1.00 EA 178.32 178.32 REMOVE WALL INSULATION BATT 3 1/2 40.00 SF 0.15 6.00 REPLACE WALL INSULATION 3ATT 3 1/2 40.00 SF 0.59 23.60 REPLACE CERAMIC TILE WALL(S) TS 4" 66.00 SF 12.98 856.68 PAINT WINDOW TRIM SET (AVG) 1.00 EA 14.14 14.14 PAINT DOOR TRIM SET 2 1/2 1 SIDE 1.00 EA 32.25 32.25 PAINT FLUSH DOOR [2 COATS] 1.00 EA 44.52 44.52 PAINT WALL(S) [2 COATS] 202.50 SF 0.72 145.80 REMCVE INLAID LINOLEUM A/Q 42.50 SF 0.27 11.48 REPLACE INLAID LINOLEUM A/Q 4.72 SY 37.70 177.94 REMOVE UNDERLAYMENT PARTICLE 1/2" 42.50 SF 0.32 13.60 REPLACE UNDERLAYMENT PARTICLE 1/2" 42.5C SF 1.02 43.35 GENERAL BUILDING PERMITS 1.00 LS 1,000.00 1,000.00 DUST PROTECTION 1.00 LS 150.00 150.00 R & R APPLIANCES 2.00 FR 32.00 64.00 R & R FURNITURE 6.00 HR 32.00 192.00 !40LD /MILDEW CLEANING 8.00 HR 32.00 256.00 REPLACE r,INTERISE PLUMBING SYSTEM 4.00 HR 86.00 344.00 LEAN BASEMENT WATER 8.00 HR 32.00 256.00 ?LUMBING PIPE REPAIRS 8.00 HR 86.00 688.00 Jan 23 09 12:55p P 1 GEORGE A. BUTLER ADJUSTERS, INC. GEORGE' BUTLER ADJUSTERS MATTAPOISETT, MASSACHUSETTS 02739 508 -758 -6633 FAX (508) -758 -2823 INSURED : VANESSA BRONSON TYPE OF LOSS : PROPERTY /WATER ADDRESS : 54 SANDY HILL ROAD DATE OF LOSS : FLORANCE MA CLAIM NUMBER : CLAIMANT OUR FILE NO. : BU ^35289 ADDRESS ADJUSTER : PETER SHEA INSC PHONE # : POL :CY NO : INSPT. DATE . PAGE 1 BUILDING REPAIR ESTIMATE MINIMUM CHARGE =* COPYRIGHT 1937 -01 SJV DESCRIPTION QUANTITY /UNIT UNIT /COST REPL /COST A..6 76 80 INTERIOR KITCHEN 17.00 X 11.50 X 7.50 + OFFSET B.00 X 3.00 RM /RSET CEILING FIXTURE AVG. QUAL. 2.00 EA 24.00 48.00 __ REMOVE SHEETROCK CEILING 1/2" 219.50 SF 0.28 61.46 REPLACE SHEETROCK CEILING 1/2" 219.50 SF 1.71 ', 375.35 TEXTURE CEILING 219.50 SF 0.89 195.36 REMOVE W :NDOW TRIM SET (AVG) 2.00 EA 4.18 8.36 REPLACE WINDOW TRIM SET (AVG) 2.00 EA 59.57 119.14 REMOVE COLONIAL BASE 3 1/2" 32.50 LF 0.32 10.40 REPLACE COLONIAL BASE 3 1/2" 32.50 L= 2.68 ' 87.10 REMOVE WALL CABINETS A/Q 13.00 LF 4.95 64.35 REPLACE WALL CABINETS A/Q 13.00 LF 123.78 1,609.14 RN_ /RSET KITCHEN SINK S/S SB W /FAUC 1.00 EA 102.00 102.00 REMOVE COUNTER TOP 25" JOB BUILT 11.00 LF 3.29 36.19 REPLACE COUNTER TOP 25" JOB BUILT 13.00 LF 54.82 712.66 REMOVE BASE CABINETS G/Q 11.00 LF 4.95 54.45 REPLACE BASE CABINETS G/Q 11.00 LF 189.55 2,085.05 REMOVE SHEETROCK WALL(S) 1/2" 142.75 SF 0.28 39.97 REPLACE SHEETROCK WALL(S) 1/2" 142.75 SF 1.71 244.1C REMOVE WALL INSUL. BT /U= 3 1/2" 142.75 SF 0.15 21.41 REPLACE WAIL INSUL. BT /UF 3 1/2" 142.75 SF 0.59 84.22 PAINT WALL(S) [2 COATS] 472.50 SF 0.72 340.20 PAINT WINDOW TRIM SET (AVG) 2.00 EA 14.14 28.28 PAINT COLONIAL BASE 3 1/2" 30.50 LF 0.97 29.59 REMOVE INLAID LINOLEUM A/Q 219.50 SF 0.27 59.27 REPLACE INLAID LINOLEUM A/Q 24.39 SY 37.70 919.50 REMOVE UNDERLAYMENT PARTICLE 1/2" 219.50 SF 0.32 70.24 REPLACE UNDERLAYMENT ?ARTICLE 1/2" 219.50 SF 1.02 223.89 BATHROOM 8.50 X 5.00 X 7.50 REMOVE CEILING FIXTURE AVG. QUAL. 1.00 EA 11.88 11.88 REPLACE CEILING F :XTURE AVG. QUAL. 1.00 EA 75.20 75.20 REMOVE EXHAUST FAN 1.00 EA 11.88 11.88 ' Jan 23 09 12:54p p.2 GEORGE A. BUTLER ADJUSTERS, INC. INSURED : VANESSA BRONSON PAGE 1 r3UILD :NG REPAIR ESTIMATE MINIMUM CHARGE =* COPYRIGHT 1987 -01 SJV TRADE RECAPITULATION TRADE TOTALS DEPR % DEPRECIATION TOTALS NET ACV CLAIM ROUGH CARPENTRY $327.41 5% $16.37' $311.04 FINISH CARPENTRY $6,386.93 15% $958.0 $5,428.89 SHEETROCK $1,533.08 15% $229.96 $1,303.12 PAINT /DECORATE $766.44 15% $114.97 $651.47 FLOORING $1,354.92 15% $203.24 $1,151.68 CERAMIC TILE $1,048.05 150 $157.21 $890.84 INSULATION 5132.06 5 %j $6.60 $125.46 ELECTRICAL $5,576.21 .15 %:, $836.43 $4,739.78 PLUMBING $1,726.63 15% $258.99 $1 ;467.64 . CLEANING $518.42 O% $0.00 $518.42 SPECIALTIES $310.59 0% $0.00 $310.59 GENERAL $2,418.27 0% $0.00 $2,418.27 DEMOLIT -ON $1,355.02 0% $0.00 $1,355.02 CLEANUP & REMOVALS $921.59 0% $0.00 $921.59 TRUCKING & HAULING $441.00 0% $0.00 $441.00 TOTAL $24,816.62 $2,781.81 $22,034.81 LESS DEDUCTIBLE $0,00 NET CLAIM $22,034.81 # = Trades Excluded from Overhead and Profit ! = Trades Excluded from Overhead, Profit and Sales Tax / = Trades Include Overhead, Profit and Sales Tax . R.-e_ce‘vezo lic\ e_ois )ty en 2. 00 q GEORGE BUTLER ADJUSTERS, INC. ADJUSTERS FOR INSURANCE COMPANIES 209 Park Avenue West Springfield, MA. 01089 (413) 781 2897 W. Springfield, MA Pittsfield, MA Worcester, MA Hartford, CT SO. Eastern, MA (413) 781-2897 (413) 442-6328 (508) 754-4100 (860) 525-9034 (508) 758-6633 Fax # (413) 731 -5553 E -MAIL butler.adj @the - spa.com January 7, 2009 Ms. Vanessa Bronson 54 Sandy Hill Road P.O. Box 60412 Florence, MA 01060 COMPANY CLAIM NUMBER: PVA505- MKVRO4 COMPANY POLICY NUMBER: H JW 192 5 INSURED: Vanessa Bronson LOSS LOCATION: 54 Sandy Hill Road, Florence, MA DATE OF LOSS: November 21, 2008 TYPE OF LOSS: Water Damage OUR FILE NUMBER: BUT35289 Dear Ms. Bronson: As you will recall, we are the insurance representative for Commerce Insurance Company who insures your property at 54 Sandy Hill Road in Florence, Massachusetts. We have accepted the figures from your contractor and electricians and have further agreed with INSTAR Services that they will not be submitting a bill to this adjuster for payment. At this time, we await the submittal of your plumbing bills /estimate and also the list of the destroyed contents. Once we are in receipt of these two final items, we will be a position to finalize all aspects of your claim to include the building, the contents, and additional living expenses. Thank you for your continued cooperation in this matter. If I can be of any assistance, do not hesitate to call upon this adjuster. Very truly yours, Peter E. Shea Adjuster PES /ab Invoice Mike Long Date Invoice# : f ; ELECTRICIAN P.O.Box0931 M A>< Northampton, MA 01061 3/16/2009 4949 %%I Bill To Tom Dolan Tom Dolan General Contractor 172 Chesterfield Street Chesterfield, MA 01012 Project Terms Account # 54 Sandy Hill Road Due on receipt Item Quantity Description Rate Amount Bid Price Bid Price * * * ** 1,500.00 Work Performed: Remove and replace existing Federal Pacific Electrical Panel with new General Electric Panel. Thank you for your business. Total $1,500.00 Phone # E -mail (413) 584 -7665 MikeLongProgressiveElectric @msn.com Walunas Plumbing & Heating, Inc. Invoice 218 C College Highway • Southampton, MA 01073 Date Invoice # 2/24/2009 1326 Bill To Tom Dolan P.O. Box 297 Chesterfield, MA 01012 Description Amount Plumbing for 1st floor bath at 54 Sandy Hill. Materials, labor, and permit 1,029.00 Plumbing for 2nd floor rough and permit CTiUEC _ 120.00 estimate to finish 2nd floor $240 finish kitchen $300 0.00 PAID ama- DATE 6 Due upon receipt - Any fees outstanding after 30 days shall incur intrest at the rate of 1.5% per mont Total $1,149.00 • KCB Paint DATE: December 20, 2009 (413) 695- 1262 Vanessa Bronson (413) 5884545 We are pleased to submit the following bid: Job Description: Professional interior painting for 54 Sandy Hill Road Florence, Ma. MATERIALS QUANTITY _DES RIPTiON uNrr P RICE TOTAL .Es timated liiials: w ..� x,,... $200.00 Includes aH paint, primer, caulking, glazing, ioint compound and sanding materials. Materials tom: $200.00 SERVICE HOURS DESCRIPTION CHARGES TOTAL Labor includes all Prep work, caulking and glazing, $2,100.00 joint compound, sanding, one coat primer and one coat latex finish paint on wails in Jdt en hallway and one beth +corn. Service total:: $2,100.00 Total bid price: $2,300,00 F :. KCB PAINTING 29 Westview Drive Beic hertown, MA,. 01007 (413) 253 -6766 December 20, 2009 Vanessa Bronson 54 Sandy Hill Road flare 01060 Dear Vanessa, It was a pleasure meeting with you recently. Here is the estimate we spoke about, along with a copy of my tiability and workman's compensation certificate. Thank you for considering KCB Painting and please don't hesitate to call with any questions. Sincerely, Kevin M. Champoux TOM DOLAN GENERAL CONTRACTOR Lic. # 039281 H.I.C. #109900 172 South Street Chesterfield MA 01012 413- 585 -0612 Fax# 413 - 296 -0150 2nd floor bathroom extras: - remove tub $ 50.00 - insulate walls $ 145.00 - drywall & tape $ 565.00 - install new subfloor $ 200.00 - install new door $ 270.00 -trim window & baseboard $ 267.00 - painting $ 620.00 PLUMBING: -new toilet -rough plumbing sink - finish plumb sink -set toilet - plumbing fitting $ 623.00 Total 2 floor bath $2740.00 f ' • 15L College Hwy. Invoice ■ Southampton, MA 01073 / ii' , Phone # 413 - 527 - 5279 Date Invoice # FLOORING CENTER, Inc . Fax # 413 - 527 -3581 2/3/2009 5559 U www.hamptonflooringcenter.com Sold To Ship To Tom Dolan Vanessa Bronson 172 South St 54 Sandy Hill Rd Chesterfield, MA 01012 Florence, MA 588 -8545 P.O. No. Due Date Project 2/3/2009 Bronson Description Qty Rate Amount Kitchen & 1st floor Bathroom: Mannington Benchmark 3783 250 1.26 315.00T Oregon Slate Installation :Kit & bath over ready floor 250 1.33 332.50 Doorway Metals 3 6.00 18.00T 2nd floor bath Mannington Benchmark 3783 Oregon Slate 50 1.26 63.00T Install : 2nd floor bath over ready floor 1 175.00 175.00 Builder to have rooms empty and have floors prepped, ready for installation t Subtotal $903.50 Buyer understands that there may be a dye -lot variation between samples. Seller is not o responsible for chips, dents, or conditions of existing moldings, doors, jambs, or fixtures. Sales Tax (5.0%) $19.80 Room must be clear of obstacles at time of installation. Seller is not responsible for cutting doors to fit. Seller is not responsible for customer measurements. Total A 50% deposit is due at order time and BALANCE DUE IS TO BE PAID, IN FULL, AT 1 $923.30 TIME OF INSTALLATION. Temperature must be 70 Degrees minimum for any installation. Payments /Credits $- 898.10 TERMS: A FINANCE CHARGE OF 1 1/2% PER MONTH (ANNUAL PERCENTAGE RATE OF 18% PER YEAR) WILL BE IMPOSED ON ALL INVOICES WHICH REMAIN UNPAID AT THE END OF 30 DAYS. Balance Due $25.20 I/We hereby accept the above terms and conditions. Customer Signature / z - - ..2 6) (i."11 / ^- 1'7 ,= ✓ / 7 , I/ V� i /.. GR046 1 7( Z/3 Carpet, Wood, Laminate, Tile & Vinyl Flooring CO Bob Goscenski bobg @cowls.com BUILDING P : 413.549.0001 x417 SUPPLY F: 413.549.4686 • 125 Sunderland Road www.cowls.com North Amherst, MA 01059 1 COWLS BUILDING SUPPLY INC 125 SUNDERLAND ROAD P.O. BOX 9676 NORTH AMHERST, MA 01059-9676 (413) 549-0001 DOCUMENT NUMBER PAGE NO 7517 1 CUST NO: *1 JOB NO: 000 CREATED BY SALESPERSON DATE 1 TIME CIJSTOMER: **** CASH **** 65 BOB G 12/29/09 11:02 TERM. REFERENCEH' 998 588 8545 BG ESTIMATE DELIVERY VANESSA BRONSON ADDRESS: 54 SANDY HILL RD EXPIRATION DA - FLORENCE MA 1/16/10 TAX RESALE NUMBER 001 MASS SALES TAX LN# ITEM UM DESCRIPTION QUANTITY LOCATION PRICE PER EXTENSION 1 1 VF EA MANNINGTON VINYL FLOORING 24 Y 11.25 /EA 270.00 2 BENCHMARK 3783 SHEET VINYL 3 4549911 EA HENRY FLOOR ADH. #356 GAL S 14.99 /EA 29.98 4 121606 EA 3/4 LINOLEUM EDGING A-1216-HG 6' 1 S 12.09 /EA 12.09 5 8063 LF 8063 1/2 QUATER ROUND 60 S 0.30 /LF 18.00 6 INSTALL EA PREP AND INSTALLATION CHARGE 1 Y 760.00 /EA 760.00 N 7 MOVE APPLIANCES,REMOVE EXISTING 8 DELAMINATED VINYL FLOORING FROM . 9 KITCHEN. SECURE EXISTING 5/8 U.L 10 3" ON PERIMETER OF PANELS AND 7" 11 SQUARE IN CENTER TO PREVENT 12 MOVEMENT. PREP PANELS WITH FLOOR 13 LEVELER. INSTALL NEW SHEET VINYL 14 AND 1/4 ROUND MOLDING • TAXABLE 330.07 NON-TAXABLE 760.00 SUBTOTAL 1090.07 TAX AMOUNT 20.63 1 TOTAL AMOUNT 1,11 X ACCEPTED BY #3. The cost of colonial baseboard and standard baseboard are the same. #4. All of the credits are referred to and reflected in the final invoice under credits #5. See 4 above #6. There was no double billing; all payments were made to Mr. Dolan. Mr. Dolan has attempted, in good faith, to resolve any and all issues you have presented to him. He has complied with both the spirit and the letter of MGL Chapter 93A. Your continued threats and unrealistic demands have made any possibility of resolving this issue extremely difficult. If you are willing to meet with Mr. Dolan in a responsible and meaningful manner he would be willing to do so. However, if you continue to proceed in the manner you have engaged in to this date there is no utility in proceeding any further. Mr. Dolan is willing to meet with you one last time in an attempt to address your concerns and will perform any reasonable work that remains. However given the nature of your previous communication please be advised that any communications and or agreements, arrangements, or representations shall he in writing. You tru Charles E. Dolan, Esquire cc: Thomas Dolan DENNER. PELLEGRINO, LLP COUNSELLORS AT LAW March 16, 2010 Ms. Venessa Bronson PO Box 60412 54 Sandy Hill Road Florence, MA 01062 Re: Thomas Dolan, General Contractor Dear Ms. Bronson. Please be advised that this firm represents Thomas Dolan. I reviewed all relevant correspondence and the parameters of the job that was performed in your home. Mr. Dolan has complied, in all respects, with the job requirements and provided you with all job credits you are entitled to. He and his employees have complied with all recognized industry and construction standards. He has attempted to address all of your perceived defects. Your continued harassments and threats against Mr. Dolan are not well received. You have continuously made unrealistic demands on all the entities that preformed work in your home. It is clear that any and all attempts to rectify your perceived defects are never going to be satisfactory. Hampton Flooring has made several attempts to meet with you to discuss your perceived defects. You proceeded to cancel scheduled meetings with them and Mr. Dolan. Valley Kitchens also scheduled meetings with you for the opportunity to inspect and confirm any perceived defects you have with their work. Again you cancelled those meetings. Cowls Lumber was contacted regarding a representation you made regarding an inspection they conducted and an opinion they rendered. Cowls Lumber has indicated that they never went to your house or had any conversation regarding your flooring. Mr. Dolan has offered to touch up the paint in the kitchen and you refused. You explained that you were a better painter. Regarding the credits you believe are duc to you: a. In reference to Item #4 of your letter dated March 8, 2010 #1. Under the original contract there was a faucet allowance for $109.50. The installed faucet was $63.00. The difference was credited on the final invoice. #2. At the time of the commencement of the job there was no trim around the living. room entrance. The Kitchen door you wanted replaced to match the window trim was your request and outside the authorized insurance repair estimate. They cannot be included in an insurance claim because they were not damaged. 265 State Street, Springfield, MA 01103 Telephone (413) 746 -4400 Telefax (413) 746 -2816 • • • 4 Longfellow Place, 35th Floor 317 Iron Horse Way, Suite 301 3604 Broadway Boston, MA 02114 Providence, RI 02909 New York, NY 10031 (617) 227 -2800 (401) 454 -4004 (866) 348 -0900 1 TOM DOLAN (� � ' if CONTRACTOR DO [b OLJLJU s g� itA® Lic. #039281 H.I.C. #109900 1 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 1 OF 1 PAGES (413) 585-0612 PHONE DATE TO: Vanessa Bronson 588 -8545 1/12/2009 - 54 Sandy Hill Road U JOB NAME / LOCATION PO Box 60412 estimated cost of project Florence MA 01062 JOB DESCRIPTION Original estimated cost $ 8864.00 Additional bathroom costs $ 3270.00 Additional kitchen costs $ 7278.00 Electrical costs 3000.00 Plumbing costs cannot be established $ .ce.cJi. ro Total estimated costs at this time $22412.00 / 0 000 NOTES: I`� I0/ .00 25od Plumbing- winterizing the house and the service call costs have not been billed to homeowner. Electrical - electrical estimate does not include a new service panel. The electrical inspector will do a wallk through on Tuesday, January 13, 2009 to determine whether any new circuits can be added to the Federal Pacific Panel in order to bring bathroom and kitchen circuits up to code. Some Federal Pacific Panels had been recalled and cannot have any circuits added to them. If the panel is needed to be replaced an adusted cost will be sent to you. ESTIMATED JOB COST For the sum of THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us riot accepted by PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder: 1 - 800 225 - 6380 or www.nebs.com PRINTED IN USA. A 1 ` TOM DOLAN n@cp Gi II t GENERAL CONTRACTOR Lic. #039281 H.I.C. #109900 1-" 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 1 OF 1 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 1/11/2009 54 Sandy Hill Road JOB NAME / LOCATION PO Box 60412 AMENDMENT Florence MA 01062 adjustments to kitchen costs JOB DESCRIPTION Upon removing kitchen ceiling & sub flooring additional unforeseen damage was found. Drywall, plywood, and insulation on exterior wall above stove cabinet and down to the floor was wet. Base cabinet had to be removed to remove swollen partical board sub flooring caused by water damage. Cabinets and counter top could not be salvaged due to the fact that they were nailed to the wall. Once base cabinets and upper wall cabinet above stove were removed saving any other cabinets would not be a reasonable decision because matching them to needed new cabinets would not be able to be done. - removing cabinets total $ 400.00 - remove drywall from exterior wall total $ 75.00 - install new insulation to replace wet insulation total $ 48.00 - drywall 1 exterior wall total $ 204.00 - trim 2 windows on exterior wall total $ 135.00 Plumbing costs: - plumbing under sink, shut offs, drains total $280.50 - 1 single bowl sink material $128.00 - 1 faucet with sprayer material $109.50 labor $ 85.00 total $ 322.50 - kitchen cabinets & counter top using existing layout total $4563.00 58 13 - cabinet & counter top installation c total $1250.00 ESTIMATED JOB COST For the sum of 7,278.00 THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 1/12/2009 PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder: 1 - 800 225 - 6380 orwww.nebs.com PRINTED IN U.S.A. A • 1 TOM DOLAN G ENERAL CONTRACTOR DD -� -i , goRbnfa aR® Lic. #039281 H.I.C. #109900 �.� 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 7 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/30/2008 54 Sandy Hill Road JOB NAME / LOCATION PO Box 60412 AMENDMENT Florence MA 01062 additional costs for bathroom JOB DESCRIPTION Upon removing flooring and drywall in bathroom a considerable amount of mold started to develop and ' wet plywood was found underneath the bath tub. There was also mold on wall behind bathtub including wet insulation and damp drywall. The damage was up the entire wall apparently from water flowing down the outside wall causing this damage. BATHROOM PRICE ADJUSTMENTS: - remove tile & drywall around tub and wall on the right of tub to remove tub disposal of tub and wall material total $ 225.00 - insulate exterior wall 40 sq ft total $ 75.00 - 136 sq ft additional drywall total $ 135.00 - install tile backer board, tape with thin set mortar material $133.80 labor $150.00 — — total $ 283.80 - 1 30 X 60 white acrylic tub 1 total $ 325.00 -66 sq ft wall tile $3.50 sq ft, grout & thin set mortar total material $ 303.15 - install wall tile & grout total labor $ 800.00 PLUMBING COST - - BRING PLUMBING UP TO CODE - install 1 Delta anti scald shower valve, new drains, setting tub, permit total $1123.05 ESTIMATED JOB COST For the sum of 3,270.80 THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with- IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NESS To Reorder. 1 - 800 225 - 6380 or www.nebs.com PRINTED IN U.S.A. A nmz A 1 ` TOM O NTRA DOO [13 ®I G ENERAL CONTRACTOR Lic. #039281 H.I.C. #109900 1.' � 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 7 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/30/2008 54 Sandy Hill Road JOB NAME / LOCATION PO Box 60412 AMENDMENTADDITIONAL COSTS Florence MA 01062 JOB DESCRIPTION Upon removing flooring and drywall in bathroom a considerable amount of mold was found underneath the bath tub. There was also mold on wall behind bathtub including wet insulation and damp drywall. ThE damage was up the entire wall apparently from water flowing down the outside wall: causing this damage. *COST TO DEHUMIDIFY AREA WILL BE AN EXTRA COST - remove tub and walls - insulate exterior wall of 40 sq. ft. - install new bath tub with 3 piece acrylic walls *NOTE: IT IS LESS EXPENSIVE TO INSTALL A NEW TUB INSTEAD OF USING THE OLD TUB AND TILING WALLS. - drywall area around tub tape 3 coats and sand ESTIMATED JOB COST For the sum of 3,200.00 THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 12/30/2008 PRICE INCREASES OR .ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder: 1 - 800 - 225 - 6380 or www.nebs.com PRINTED IN U.S.A. A 004.1 A • TOM DOLAN DQL�J ®Qt ® G ENERAL CONTRACTOR Lic. #039281 H.I.C. #109900 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 6 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/23/200R 54 Sandy Hill Road JOB NAME 1 LOCATION PO Box 60412 water damage Florence MA 01062 plumbing clause JOB DESCRIPTION IMPORTANT NOTE: COST OF PLUMBING WILL BE DETERMINED ONCE HEAT AND WATER MAIN I TURNED BACK ON. ESTIMATED JOB COST For the sum of THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 12/23/2008 PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder: 1 - 225 - 6380 or www.nebs.com PRINTED IN U.S.A. A A • TOM DOL GENERAL CONTRA CTOR DQ[D G� RA Lic. #039281 H.I.C. #109900 1.f 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 5 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/23/2008 54 Sandy Hill Road JOB NAME /LOCATION PO Box 60412 water damage Florence MA 01062 important clause JOB DESCRIPTION NOTE: PER REQUEST OF HOMEOWNER REMOVAL.OF BASE CABINETS IN ORDER TO REMOVE COMPLETE FLOORING IS ALSO NECESSARY FOR TREATING WITH A BLEACH SPRAY TO COMBAT AND PREVENT MOLD IT WILL ALSO BE NECESSARY WITH THE REMOVAL OF THE UPPER CABINETS TO MAKE SURE ALL DRYWALL DOES NOT HAVE ANY MOLD. A QUOTE WILL BE DETERMINED AND FORWARDED FOR NEW CABINETS TO BE REPLACED AT TIME OF LAYOUT FOR KITCHEN LABOR AND DISPOSAL OF REMOVING ALL CABINETS WILL BE $400.00 ESTIMATED JOB COST For the sum of THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 12/23/2008 PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder: 1 - 225 - 6380 or www.nebs.com PRINTED IN U.S.A. A A • TOM DOLAN n O[D @ • G ENERAL CONTRACTOR �J Lic. #039281 H.I.C. #109900 �.� 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 4 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/20/2008 54 Sandy Hill Road JOB NAME! LOCATION PO Box 60412 water damage /final Florence MA 01062 JOB DESCRIPTION INSULATION: For kitchen ceiling bl iwn in celly 6se 204 sq. ft. X $1.50 per sq. ft. $ 306.00 dump cost • $ 375.00 -11 overhead $1150.00 6 rry r P_Jvt 0V clk 04 .6(AJ CQ \U )05C1 a 0 • ESTIMATED JOB COST For the sum of 8,864.50 THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 12/20/2008 PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder: 1 - 800 225 - 6380 or www.nebs.com PRINTED IN U.S.A. A A • 0044 • TOM DOLAN DOO L �J C� GENERAL CONTRACTOR Lic. #039281 H.I.C. #109900 1. 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 3 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/20/2008 54 Sandy Hill Road JOB NAME / LOCATION PO Box 60412 water damage /painting Florence MA 01062 JOB DESCRIPTION PAINTING: paint kitchen ceiling, walls and handrails Note *walls need to be painted. due to taping ceiling corners - prime ceiling & bar drywall on wall areas - paint ceiling 2 coats ceiling white - paint wall 2 coats Material -1 gallon primer and 2 gallons ceiling white paint 2 gallons finish wall paint and rollers $162.50 Labor $600.00 Total $769.50 paint bathroom -prime ceiling and walls -paint ceiling 2 coats - paint walls 2 coats Material -1 gallon primer, 1 gallon mold & mildew bath paint & 1 gallon wall paint $ 88.00 Labor $350.00 Total $438.00 ESTIMATED JOB COST For the sum of THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 12/20/2008 PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder. 1 -800- 225 -6380 or www.nebs.com PRINTED IN U.S.A. A • 9 0050 TOM DOLAN GENERAL CONTRACTOR DOC gORMe ng Lic. #039281 H.I.C. #109900 ' 172 South Street CHESTERFIELD, MA 01012 PAGE NO. 2 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/19/2008 54 Sandy Hill Road JOB NAME / LOCATION PO Box 60412 water damage /flooring Florence MA 01062 JOB DESCRIPTION FLOORING: ' - install new 30 sq. ft. 6 X 5 bathroom flooring - install new 5/ r ment to match existing floor -ins a ne colonial baseboar )stain and poly - install 30 sq. ft. of new vinyl bathroom flooring material for plywood floor $ 80.00 ) p of Y $ baseboard mat. and labor $ ::. ? \ 6- material & labor stain & OO ( P,t1 mat. & labor for installation of vinyl flooring -- $165.00 11 I K' / labor for installation plywood sub flooring $ 90.00 Total $427.00 - reinstall bathroom vanity / - reinstall bathroom toilet Total $195.00 V-. Kitchen floor 12 X 17 area 204 sq.. ft. - install 5/8 under lament plywood - install new 3 1/2" of colonial baseboard - stain & poly baseboard - install 204 sq. ft. of new vinyl flooring .1 ood material $ 260.00 baseboard material & labor .$ 165.00 stain &poly baseboard $ 72.50 install subflo`orfng $ 300.00 install vinyl flooring $1125.00 v Total $1922.50 ESTIMATED JOB COST For the sum of THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 12/19/2008 PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder 1 - 800 225 - 6380 or www.nebs.com PRINTED IN U.S.A. A • 3i •• TOM DOLAN RA �OO LJ ° � R® GENERAL CONTRACTOR Lic. #039281 H.I.C. #109900 1 172 South Street CHESTERFIELD, MA 01012 • PAGE NO. 1 OF 7 PAGES (413) 585 -0612 PHONE DATE TO: Vanessa Bronson 588 -8545 12/19/2008 54 Sandy Hill Road JOB NAME( LOCATION PO Box 60412 water damage /demolition and drywall Florence MA 01062 JOB DESCRIPTION - permit 11 L DO - remove blown cellulose insulation in attic - -remove damage sheet rock on kitchen ceiling - remove damage sheet rock on kitchen bath wall on kitchen side - remove bath ceiling and kitchen bath wall on bath side - remove toilet and vanity in order to remove bathroom flooring - remove kitchen flooring which includes vinyl flooring and plywood $1500.00 *COST TO DEHUMIDIFY AREA TO BE DETERMINED AT TIME OF DEMOLITION TO EVALUATE DAMAGE OF AREA DRYWALL: - install new 1/2" drywall on ceiling in kitchen area which includes 230 sq. ft. of drywall -hang, tape 3 coats and sand -clean up material $ 186.00 labor $ 900.00 Total I]�D $1086.00 8 / /off x 5 b o'# ro o Ili-- DRYWALL: - install 1/2" drywall on ceiling in bathroom which include- 120 sq. ft. of drywall ---- -- - hang, tape 3 coats and sand - clean up material $ 76.00 labor $ 400.00 Total $ 476 00 ESTIMATED JOB COST For the sum of THIS ESTIMATE IS FOR COMPLETING THE JOB AS DESCRIBED ABOVE. NOTE: This estimate may be with - IT IS BASED ON OUR EVALUATION AND DOES NOT INCLUDE MATERIAL drawn by us if not accepted by 12/19/2008 PRICE INCREASES OR ADDITIONAL LABOR AND MATERIALS WHICH MAY BE REQUIRED SHOULD UNFORESEEN PROBLEMS OR ADVERSE WEATHER CONDITIONS ARISE AFTER THE WORK HAS STARTED. ESTIMATED BY PRODUCT 13126M USE WITH 771 ENVELOPE NEBS To Reorder: 1 - 225 - 6380 or www.nebs.com PRINTED IN U.S.A. A 78 1k ..... - 1 P --0-r .\ 1 • I f ' , ----'2.-,.°■.,,__._ k , / - 7 , J 2 t , ) 1 , t , , , , ) ‘ , ---- 111111111111111•111/ ... , , 1 ., ,-.'-1 . 11111■110 ', \ 1 ---- --- --'-'---. r , 1 1 li EMI 1 ; .".. . 1 . `i 1 i 1 „ i . , ' lo 1 1 , ,,:, ... ---.J 4 Q -----__ _ -: , Nt .....,, ______ - _,....,...,,,,_ 4 ....,.... .._. ,.... ---- --1---__.....etwas - 43,, , --- , . I I - --- ";1 1„ ! 1 ■ il 1 `' ll fl , -,_ li 0 I 1 1 II,P "..rroo- ---- I 1 to [ , - ---°'' '' ' - - - >.---'''''-'.--' / '''.. \ '--.. '''' 1 ■ ',.. 1 ''''',.... ■ ' ‘ / . ..., ,, -',. / '-'-''''■,._ i"--.._,_ , 1 6i4N/h., , ------- ---___, t ) ( 1 5 11 d I Ike\ Ld c 1 Note: This drawing is an artistic ,,, , i.' tZ:, Designed: 1/8/2009 interpretation of the general appearance of TECHNOLOGtES !Li Printed: 1/8/2009 the design. It is not meant to be an exact rendition. _ BronsonReal All Drawing #: 1 i e 1 I di r ;,_ i i 1 CS 24" 138" _ . G . 24 21" 6,. ,, 35,x,. + 12 2 •, 4 _ 15" W2130L 1 . _ ` > 1 M x � : �~ ,- 8158 I Ii9n I M '64 i Q N 1 \ n-4 111 N ',.- ��� r m M C I l \C �� ' �____._e ' Co ';'? \ -0 .) -- /7 C..../ 1 \ J 1 N ■ N 1 I I 13$" 1 I 1 All dimensions size designations given are g 1 i g -. This is an original design and must not be Designed: 1/8/20091 subject to verification on job site and TECHr,o oG�ES released or copied unless applicable fee has Printed: 1/8/2009 J 1 I adjustment to fit job conditions. been paid or job order placed. I 1 1 11 i BronsonReal All Drawing #: 1 _I Valley Kitchens, Inc. Red Rock Shops Estimate 15M College Highway Southampton, MA 01073 Date Estimate # 12/18/2008 529 Name / Address G Dolan, Tom 7 1( \j grt Project Item Description Total Wellborn Kitchen Premier Series Construction, Rose Hall Square Door, Maple, Stain to be 2,985.00T Determined, ' v- ; . - .1 on Plan • 4 vided and Subject To Change. Add Approx. '.300 if Cabinet Need To Replace Dishwasher. Plastic Laminate Countertop Standard Color, Square Edge, Templated and Installed. 1,075.00T Thank You for considering Valley Kitchens, Inc.! Subtotal $4,060.00 Sales Tax (5.O %) $203.00 Total $4,263.00 c loop-toc �sT� A Z„.:\ ).. \\ - p,' � a /\ � /\ \ k ,' - N . ..____,_ h � � �� 1 ' --') -c A 4,,i , \---Le_ , 3 -. (i)L)-c5) 0 \mv c-L\c---\v_,Locz, , , AlLa-k , LOo\&104 k_ U , , A-L._ c v S r-1 0 ' '1. *? , , fi, _. , 4 ,,,, „ 39.. , ,,, , ,,,,r, ,.---k..„ , ,f\., \\D " Q3P\ , _ ........ k , - ,.,,,f, , • ,,,,, w s, , -- (3,_tc- A .. c)-\ ' - 6-c\- ' ' , 4 __ '' ?(10 T it OP .-I, 5 c-i CAL' 'W Cj ■ w i .t.,-,, v • :xl:cptlollai iiisuiaiit a nowt riiicx allu rerras insurance /Agency covering aii o1 1viassacnusetts W1I11 nome, n... rage 1 or z _____Il FINcK &PERRAS Conte abut us. Figd us FAQ Wig INSURANCE AGENCY vex a� r #41), :,4 i. 7 a r we ag Automobile Insurance Finck & Perras Insurance Agency, Inc. _ Hom Insurance INSURANCE CLAIMS We Offer Unmatched Client Claim Advocacy for Insurance Claims. Commercial Insurance Financial Division When you need us most: Certificate Request We are here to help you through the claim process. We will explain the coverage provided by your policy. Change Request We will contact the company on your behalf and help with any required forms. Meet Our Staff Claims Help If you have a Claim: Helpful Links If you contact us during normal business hours, we will start your daim process. If you contact us after business hours, check below for your insurer's contact number. Community Spirit After a Claim: Community Events If you have made a claim through us...we'd like to know how we did! In a constant effort to improve service, we value your feedback. Click for a brief survey. (Meet Our Claims Personnel: Robert Daniels Pam Judd Claims Manager Claims CSR Florence Easthampton Office _'� ' Office 413 584 -1970 x 15 ,f'' 'P,,,4, 413 527 -3000 x 20 . EMAIL r EMAIL Fax: 586 -9069 ;., Fax:527 -5970 Bob is our Claims Manager. He handles daims out of our Pam is our Claims Customer Service Representative. She Florence Office. He is a corporator of Florence Savings handles claims for our Easthampton Office. Pam has 15 Bank and serves on several committees of the years of insurance experience, which includes working as Northampton School system. Bob has been with Finck a Claim Rep. for insurance companies & agencies. She is and Perras for over 30 years. active in her community and has been with Finck and Perras since 2000. Insurance claims after business hours, check here for your Insurer's contact number: Arbella Insurance Company 1 800 332.2785 ittp:// www.finckandperras.com/claims.html 11/1/2010 1 N T M Restoration * Reconstruction * Renovation 1- 800- 783 -SOOT (7668) 100 State Street, 8)dg. 8, PD. Box 609, Ludlow, MA 01056-0609 413 -594 -7800 • FAX: 413 -594 -7802 Monday, 26 October 2009 Vanessa Bronson PO Box 60412 54 Sandy Hill Road Florence, MA 01062 -0412 Ms. Bronson: I am writing to inform you there will be no charges to anyone for work InStar performed at your residence. Your insurance agent and insurance adjuster have been notified. Please consider this matter closed. Respectfully, Chuck Powell Operations Manager ctt eHACL C, Gfl) ( (NIA y 3o , a al 4 InStar Services Group, LP. Corporate Office: 7439 Pebble Drive • Fort Worth, TX 76118 • 817 -595 -9988 ♦ FAX 817 - 595 -9987 Nationwide 866 - INSTAR -5 www.instarservices.com , • ' 1 -5' - " 1 V - (3(0 SENDER: COMPLETE THIS SE: CTJC'N r' OF.'P t;Tt n;, , ECTION ON DELIVERY • Complete items 1, 2, and 3. Also complete A. Signatu _ item 4 if Restricted Delivery is desired. is Print your name and address on the reverse - /r / ' / f CI Agent 0 Addre 1 so that we can return the card to you. ssee • Attach this card to the back of the mailpiece, - B• Recely d by Name C. Date of Delivery or on the front if space permits. -- t '0 1 !i l c 1. Article Addressed to: D. Is de tkddress different from Item 1? ❑ Yes If YES, enter delivery address below: ❑ No : N 5TRZ Serv:WS Grip p L, #: 3 0 B cvn ez C ■(.C' e 3: S e rvv �ice '''''''' " " Type ed Mall ❑ Express Mall r. C (C „ ❑ Registered ❑ Retum Receipt for Merchandise CO e 6 t O Z O ❑ Insured Mail ❑ C.O.D. 4. Restricted Delivery? (Extra Fee) ❑ Yes 2. Article Numtx _ _ .__ (Transfer 7009 0080 000 2 1177 0330 PS Form 3811, February 2004 Dome: ic Return Receipt i >.i i : ; : , ' ti Rt 102595 -02 -M -1540 Vanessa Bronson 54 Sandy Hill Road PO Box 60412 Florence, MA 01062 -0412 2 September 2009 Gary Grout Vice President INSTAR Services Group, L.P. 30 Haynes Circle Chicopee, MA 01020 Dear Mr. Grout, On August 18 I received in the mail a single page Statement of Account from your business. This is the first and only such billing we have ever received. It is not being ignored. A lady named Priscilla at the phone number stated on the bill was unable to provide me with a billing history regarding this invoice because my file had been removed making it inaccessible to her. One question that requires an immediate answer to, from you, is given that the invoice date is January 29, 2009, Who did you send the bill to in January ? You have sent the bill to us. We are attempting to fulfill your demands, but the initial recipient of the bill is required to do so. Your cooperation is this matter is appreciated by all people involved. Thank you Vanessa Bronson NO (ZE51'o }JSE 1 IYW"4,04 = .... �%��11 J �� � Z..: � 1 ,� j NOV g14$4 -...114 ci* 14-- • ` * i t y 1fi = -4 V -Alsi ,- 4 ad,, ,, go �� Wiz• ll * .IJ .. • 1.-/ I! \ i 47-s 'ii<T 411 •VM * r te\ \ .4 S�= .,_ n r / 1 -o, . � A� � /....1-N . � :� h 0. 1Vrail _ .\� ` -11 r _ • • 5 :- ' rQ rt 9-- — ••0 CO : r O t3 Z DO ' .. _ 0 I r ' — 01H il Pi = 00m0 t�Hm�o: o�� t o r CD °° T 'rS+�r. L -r' . . r zxo le. F i. +r' Z 1 X D ° N UN 1110 OP' rn ° b e *L 0 U ' . Arrt 0000 1 z ' ° • — 041-111 0 -, ' it § 0 H *IMO . �. �m t-,)=0 i H mQ %- Iv..�. (3 iii 0 !J c b ' m 1c et m q _ a 0 * O i .. v s Statement of Account ` ,c`; v : ( ` Oct INSTAR SERVICES GROUP LP , PO BOX 609 I ,y e Ludlow, MA 01056 -0609 (413) 594 -7800 CLIENT: 301 - 0811 -39W Vanesse Bronson 54 Sandy Hill Road Florence, MA 01060 Statement of Account as of 7 -22 -2009 Invoice Description Date Charges Credits 520344269 Inv 01 -29 -2009 2,939.33 TOTAL BALANCE DUE 2,939.33* .00* Invoices are due upon receipt. For questions regarding your account, please call Accounts Receivable Monday through Friday between 8am - 4pm at 413- 594 -7800. Please reference the Client Number when calling. If payment has been sent, disregard this statement. PA C 7 LakoLie • Current 31-60 Days 61 -90 Days 91 -120 Days Over 120 Days Total Due 2,939.33 2,939.33 5 8, 85 5" C ❑ 30 Haynes Circle Chicopee, MA 01020 1r-5 TfR ❑ 469 River Road, Unit #2 WORK AUTHORIZATION AND -_ Hudson, MA 01749 DIRECT PAYMENT REQUEST (800) 783 -7668 FID# 61- 1407824 ❑ 19200 -F Chennault Way MA HIC# 155878 Gaithersburg, MD 20879 Insured Name & Billing Address: Property Address: VanoL G con son 5q Sandy / 'll 72c p o 80x 6 0 V /c d o 6 F / a t)c e MA 0 / 0 6 9 - 0 5 1 /9 Insurance Company: Insurance Agent: rr/l7mef � / 7 5i.ir rice The general scope of work and the Contract Price is set forth in the Estimate of InStar Services Group, L.P., which is incorporated into this Agreement. Work will commence on and the estimated completion date is , which may be extended for delays beyond the control of InStar Services Group, L.P. In consideration of the agreement of InStar Services Group, L.P. to provide services required to preserve and protect the personal and/or real property, which I own, control, or lease: 1. UWe hereby assign to InStar Services Group, L.P. all of my right, title, and interest in and to a portion of all insurance benefits or proceeds to which Uwe may be entitled, and assign any and all claims which Uwe may have against any insurer, to the extent of the amount of the bill for professional services rendered to me and/or my property referenced above; and Uwe hereby grant a lien to InStar Services Group, L.P. on any insurance benefits or proceeds that may be due me. Uwe further acknowledge and agree that said assignment may not be revoked retroactively, and may only be revoked by giving a written notice by Certified Mail or hand - delivered to InStar Services Group, L.P., effective after the date of receipt of said written notice by InStar Services Group, L.P. 2. I/We hereby authorize and direct the payment of such insurance benefits or proceeds directly to InStar Services Group, L.P. and direct the above referenced insurance company to pay to InStar Services Group, L.P. such sums as may be due upon receipt of a statement for services rendered. 3. I/We understand that I am primarily responsible for the payment of all charges related to professional services rendered by InStar Services Group, L.P. to me and/or my property referenced above and the authorization contained herein in no way releases me from personal responsibility to pay for such charges. 4. I/We hereby request and authorize my insurance company to furnish InStar Services Group, L.P. with any and all information, including without limitation, payment information and estimates with regard to work required to preserve and protect the personal and/or real property which Uwe own, control or lease. 5. Any individual or entity shall be entitled to rely on the original or any photocopy of this document as if it were an original. 6. It is understood that the estimate is subject to the approval of the adjuster or a representative of the insurance carrier. 7. I/We acknowledge that all moveable items of significant value have been removed from the premises or destroyed except as follows: 8. I/We further understand that any and all deductibles and/or betterment from our insurance carrier shall be due and payable by us at the completion of services rendered. If payment is not received within 30 days of invoice, a delinquent payment penalty will be charged at 18% annual rate. 9. In the event this account is referred to an attorney for collection, Uwe agree to pay reasonable attomey's fees to InStar Services Group, L.P.'s attorney, and court costs, in the event a suit is filed. 10. All contractors and subcontractors must be registered by the State and any inquiries relating to a registration should be directed to the State. Owner's rights are set forth in M.G.L. c.142A. Do n si: this Agreement if there are any blank spaces. You may cancel this Agreement provided you notify InStar Services Group, L.P. in writing at i offir• or by mail posted not later than midnight of the third business day following the signing of this Agreement. See Notice of Cancellation. I ndin to be legal . i •und, Uwe sign this day of ► / . a o 6 Owner's Signature SS# Date Owner's Signature SS# Date 61 1407824 ISG Representative FID# Date l/We hereby authorize my deductible and any other sums due under this agreement to be charged to the following account number: ❑ Visa, ❑ MasterCard, ❑ American Express, ❑ Discover Expiration Date Cardholder Signature WHITE - FILE COPY YELLOW - OFFICE COPY PINK - CUSTOMER COPY i SERVICES GROUP.. Nationwide Restoration & Reconstruction 30 Haynes Circle, Chicopee, MA 01020, 1-800-783-SOOT (7668) FAX: 413 -594 -7802 Wednesday, 11 February 2009 Vanessa Bronson PO Box 60412 54 Sandy Hill Road Florence, MA 01062 -0412 Re: Response to letter dated February 09, 2009 Ms. Bronson, I am writing in response to your letter dated February 9, 2009. After reading your letter and reviewing the job file I have decided to comply with your request to release you from the Work Authorization and Direct Payment Request Form dated November 22, 2008. I have also enclosed the original for your records. Also Instar will not be sending a bill to you or the Insurance Adjuster or Insurance Company for any work Instar performed at your property. I have informed your insurance agent and insurance adjuster that no bill will be sent to anyone for payment. There will be no charges to anyone for work Instar performed at your residence. Please consider this matter closed. If you have any questions, please direct them to myself at the address and phone number above. Respectfully, ,) Qryrou Vice President Cc:Peter Shea i U.S. • Postal Service,., CERTIFIED MAILTM RECEIPT FLORENCE STATION m (Domestic Mail Only; No insurance Coverage Provided) 43 For delivery information visit our website at www.usps.com.. FLORENCE, Massachusetts 0 010629998 m cH P 2, 1 2478231027 -0097 0- Postage $ $0.42 F 02/10/2009 (413)584 -5152 10:50:58 AM o 0 A Certified Fee *2.70 t: C` r - R :.� n Postmark 2 Sales Receipt O Return Receipt Fee -p c , n roduct Sale 1 e Unit Final i na 1 c (Endorsement Required) *2.20 v , C.j �r m escription Qty Price Price (Endorseme Req *0.00 �ICOPEE MA 01020 $0.42 m Total Postage & Fees $ *5.32 a AVM/ v a one -1 First -Class 03 santr ^Terr Zafi 1445 Tf1Z Serv►res, ;tter o ).60 oz. ° oorPOB Box ,�0 1 '5 C'i(cic' Return Rcpt (Green $2.20 c' Stat&7'R+' , , P o oaU Card) Certified PS Form 3800. August 2006 See Reverse for Instructions $2.70 Label #: 70081300000109630813 Issue PVI $5.32 Total: $5.32 Paid by: __ Debit Card $5.32 Account #: XXXXXXXXXXXX7502 Approval #: 462267 Transaction #: 76 - - 23903560126 - _ ._ - eceipt # :- - — 008078 er s Imps at USPS.com /shop or 1 1- 800- Stamp24. Go to _' S.com /clicknship to print -- i WS�(+ h postage. . For. -. ' 1�TT T .j+. TTT T..F.T'.1.TTTT•,�. 1 HELP US SERVE YOU BETTER - t- Go -to: http: / /gx;gallup.cam /pos - TELL US ABOUT YOUR RECENT POSTAL EXPERIENCE rI YOUR OPINION COUNTS i ***** * *** * * * * * * * * * * * * * * * * * * * * * * * * * ** ***** * * * * * * * * * * * * * * * * * * * * * * * * * * * * * ** .E, . Customer Copy ' k monies involved in the restoration of our home is absent. No INSTAR Group Representative signature is present on this document. I have made several attempts through my insurance assigned representative adjuster group, George Butler Adjusters, to clarify the status of this wrongfully obtained contract. After several phone conversations with this adjuster group, that consistently reassured me that INSTAR would not be billing me, I sought and received written affirmation on January 7, 2009, from my adjuster at George Butler Adjusters. Here is a re- writing of the second paragraph: "... and have further agreed with INSTAR Services that they will not be submitting to this adjuster for payment." Yet a discussion with my agent at Finck and Perras on January 22, 2009, suggested that INSTAR was in fact maintaining a lien on our homeowners' loss claim. Further INSTAR had, was or would be submitting a bill, for, what I assume would be cleaning services rendered November 22nd and 24 , 2008, to an adjuster at Commerce Insurance in Webster, Massachusetts. If these actions are occurring, they are deceitfully being done without the homeowners' awareness. I had made a final goodwill attempt in writing to you on January 27, 2009, asking that you send a bill for services performed on our property by any INSTAR employees and sub contractors such that our relationship might come to an amicable close. No reply. There are plumbers, an electrician, and others associated with the contractor who , in their honest and upfront dealings with me, have worked diligently at the restoration of our home, awaiting payment. INSTAR's relentless deceitful behavior continues to bring financial harm to others, myself included. Our insurance claim is left in a holding pattern until this issue with INSTAR is resolved. This letter serves as my request for immediate release from any and all conditions stated in the 'Work Authorization and Direct Payment Request' INSTAR document entered into on November 22, 2008. Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I am providing you with the opportunity to make a written offer of settlement in this matter within 30 days. If INSTAR fails to make a good faith response to my request I will institute legal action. It is time to bring closure to this matter. Sincerely, Vanessa Bronson, co -owner Stephen Brozo, co -owner c Vanessa Bronson PO Box 60412 54 Sandy Hill Road Florence, Massachusetts 01062 -0412 PH: 413 588 — 8545 9 February 2009 Jerry Zanarini INSTAR Services Group, L.P. Nationwide Restoration & Reconstruction 30 Haynes Circle Chicopee, Massachusetts 01020 Dear Mr. Zanarini, I am writing to you under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, the Consumer Protection Act. The purpose of this writing is to request immediate release from a 'Work Authorization and Direct Payment Request' form dated November 22, 2008. There are three reasons for our request. 1. The contract in question was presented to me, in the presence of my teenage daughter, by an individual named, Joe. Your December 5 2008 job status letter written at my request, leads me to believe that his full name is Joe Gorecki. Mr. Gorecki misrepresented himself as a lead cleaning guy contracted by INSTAR to perform immediate, necessary services at our dwelling which had incurred a water damage loss some twenty four hours prior. No identification, such as a business card, company logo attire, company logo on van, was ever furnished or in clear sight, to suggest otherwise. During this cleaning session a sub contracted electrician, from A.J. Electric, also identified in your December 5, 2008 Job Status writing to me, failed to provide any identification to me, further supporting my impression that Joe, his crew, and the electrician were sub contracted individuals sent by INSTAR to handle an immediate situation. There was never any clear evidence that any of these workers were directly employed by INSTAR, thus in a position to represent INSTAR in any contract negotiations with a homeowner. 2. The contract was presented in a deceitful manner. At the conclusion of this cleaning session as people were packing up and preparing to leave, around 7 PM at night, in a 1400 sq. ft. dwelling that was lit by a single 60 watt light on the floor, Joe presented this document as his billing statement to INSTAR for the cleaning services rendered during the previous four hours. No explanation of any part of this form was given by Joe. It was simply a billing statement for the services rendered that evening. 3. Lack of necessary elements in the contract. The date restoration work was to begin and an estimated date of completion are absent. Any description of the work that was to be performed in the future is entirely absent. Any discussion of the amount of Vanessa Bronson 54 Sandy Hill Road PO Box 60412 Florence, MA 01062 27 January 2009 Jerry Zanarini Director of Operations INSTAR Services Group 30 Haynes Circle Chicopee, MA 01020 To Jerry Zanarini: Please acknowledge this writing as the second request for billing of services performed at our residence, 54 Sandy Hill Road, Florence, Massachusetts. The first request was made by our insurance representative, Peter Shea, of George Butler Adjusters, sometime during the month of December 2008. I am addressing this issue to you because your name appears as the author of the December 5 letter. I have enclosed a photocopy. As this letter, signed by you, indicates, it is you who is in charge of operations at INSTAR of Chicopee, Massachusetts. I surmised that it was not Joe, the cleaning crew guy. Never was such information made known to me when requested from Jim Quinn (job title unknown) on Monday December l St , 2008. Thank you in advance for your prompt attentions to this matter. We would like to insure that INSTAR receives the monies that they feel they are owed. Sincerely, Vanessa Bronson and Stephen Brozo, owners z- SFoN`3 I I i 1.1.111111111 likrA R TM SERVICES GROUPL.P. Nationwide Restoration & Reconstruction 30 Haynes Circle, Chicopee, MA 01020, 1-800-783-SOOT (7668) FAX: 413 -594 -7802 Date: 12/5/08 Ms. Vanesse Bronson 54 Sandy Hill Road Florence, MA Re: Job Status Dear Ms. Bronson: Listed below are the dates and a summary of the services that we provided on November 22, 2008 through December 1, 2008. November 22, 2008...Extracted water, cleaned up debris insulation, installed 2 phoenix's and 2 blowers. A.J. Electric arrived on Saturday to make sure everything was safe and shut off 2 breakers and informed you not to turn them back on. November 24, 2008... Joe Gorecki was scheduled to return to finish cleaning but you stated that his lateness was a concern and did not want us that day. You then put your electrician on the phone and he stated that there were problems with the light fixtures over heating. Our electrician was called to correct the problem. November 26, 2008... We removed the wet carpet from the basement cleaned up the insulation from the kitchen and put plastic down on the kitchen floor. December 1, 2008 Jim Quinn was scheduled to check the job and was told to leave. • Work to be completed: Repairs to ceiling, clean kitchen and living room, repair electrical boxes and fixtures. Sincerely, dir — Jerry Zanarini Director of Operations a 3 L / ltl� /o? , op FAX TRANSMITTAL TO: Commerce Insurance George A Butler Adjusters, Inc. 209 Park Avenue West Springfield MA 01089 ATTENTION: PETER SHEA Fax # 413- 731 -5553 Office # 413- 781 -2897 FROM OFFICE OF TOM DOLAN (VIRGINIA) # OF PAGES (including cover page): 3 FAX #413 - 296 -0150 OFFICE #413- 585 -0612 NOTES: C AIM # PVA505- MKVRO4 ELECTRICIAN INFORMATION AND ESTIMATE IS INCLUDED THANK YOU! PAGE NO. 7 OF 7 PAGES Vanessa Bron on 588 -8545 12/30/2008 54 Sandy Hill "' oad PO Box 60412 AMENDMENT Florence MA 11062 additional costs for bathroom Upon removing floorint, and drywall in bathroom a considerable amount of mold started to develop and wet plywood was faun i underneath the bath tub. There was also mold on wall behind bathtub including wet insulation and da p drywall. The damage was up the entire wall apparently from water flowing down the outside wall causi g this damage. BATHROOM PRICE • DJUSTMENTS: - remove tile & drywall .: round tub and wall on the right of tub to remove tub disposal of tub and w. II material total $ 225.00 - insulate exterior wall , 0 sq ft total $ 75.00 -136 sq ft additional d all total $ 135.00 - install tile backer boar, tape with thin set mortar material $133.80 labor $150.00 total $ 283.80 -1 30 X 60 white acryl c tub total $ 325.00 - 66 sq ft wall tile $3.50 -q ft, grout & thin set mortar total material $ 303.15 - install wall tile & grout total labor $ 800.00 PLUMBING COST - -BRING PLUMBING U" TO CODE - install 1 Delta anti scat. shower valve, new drains, setting tub, permit total $1123.05 3,270.80 • PAGE NO. 1 OF 1 PAGES Vanessa Bron - on 588 -8545 1/12/2009 54 Sandy Hill " oad PO Box 60412 estimated cost of project Florence MA 11062 Original estimated cos $ 8864.00 Additional bathroom ousts $ 3270,00 Additional kitchen cos,. $ 7278.00 Electrical costs $ 3000.00 Plumbing costs canno , be established $ Total estimated costs at this time $22412.00 NOTES: Plumbing- winterizing t e house and the service call costs have not been billed to homeowner. Electrical- electrical esti ate does not include a new service panel. The electrical inspector will do a walik through on Tuesday, J . nuary 13, 2009 to determine whether any new circuits can be added to the Federal Pacific Panel i order to bring bathroom and kitchen circuits up to code. Some Federal Pacific Panels had been recall -d and cannot have any circuits added to them. If the panel is needed to be replaced an adusted cost will be sent to you. * Additional cost t■ December 18 estimate: $1 Respectfully Submitted, Mike Long, Electricia Electrical Contractor • 41/4.1/44 Id Mike Long 1 ` ELECTRICIA ) \ham' P.O. Box ► 31 Northampton, A 01061 December 18 2008 Tom Dolan — Gen - ral Contractor 172 Chesterfield treet Chesterfield, MA 61012 Dear Mr. Dolan, Thank you very uch for meeting with me today to discuss the electrical work for your client Vanessa Bronson at 45 Sa d Hill Road- Florence, MA 01062. Specifically, thl - estimate includes the repair of electrical wiring due to water damage of the first floor bathroom kitchen, and basement area below the kitchen. GENERAL SCOP OF WORK DESCRIPTION (BASED ON CONTRACTOR'S ASSUMPTIONS ABOUT TYPICAL CONSTRUCTIO DETAILS AND DISCUSSED SCOPE OF WORK): • Up to 28 lectrical openings to be inspected, rebuilt, or rewired. Please note: An electrical opening i defined as an electrical junction point where electrical cable wire is terminated to any electrical -quipment such as, switches, receptacles, lights, panel boards, smoke detectors etc. • The abov 28 openings includes the removal and rewiring of all wiring, devices, fixtures and built in applia es such as the bathroom fan that were damaged by water. • Adding G CI protected devices in the kitchen counter area, bathroom, and basement area. • All new d -vices in the above mentioned areas. * Total Estimate: $3,000 EXCLUSIONS: This Preliminary Cost Estimate does not include labor or materials for the following work: - Patching, paintin: or any other finished surface repair. - Cleaning of work areas beyond "broom swept" conditions. PAGE NO, 1 OF 1 PAGES Vanessa Bron on 588 -8545 1/11/2009 54 Sandy Hill ' oad PO Box 60412 AMENDMENT Florence MA 1 1062 adjustments to kitchen costs Upon removing kitche ceiling & sub flooring additional unforeseen damage was found. Drywall, plywood, and insulation on exterior wall above stove cabinet and down to the floor was wet. Base cabinet had to b:: removed to remove swollen partical board sub flooring caused by water damage. Cabinets and counter op could not be salvaged due to the fact that they were nailed to the wall. Once base cabinets a d upper wall cabinet above stove were removed saving any other cabinets would not be a reasonable d because matching them to needed new cabinets would not be able to be done. - removing cabinets total $ 400.00 - remove drywall from r• erior wall total $ 75.00 - install new insulation t• replace wet insulation total $ 48.00 - drywall 1 exterior wall total $ 204.00 -trim 2 windows on ext. rior wall total $ 135.00 Plumbing costs: - plumbing under sink, -hut offs, drains total $280.50 -1 single bowl sink material $128.00 -1 faucet with sprayer material $109.50 labor $ 85.00 total $ 322.50 - kitchen cabinets & co nter top using existing layout total $4563.00 - cabinet & counter top i stallation total $1250.00 - UAW .l 8 7,278,00 1/12/2009 PAGE NO. 4 OF 6 PAGES Vanessa Bron .on 588-8545 12/20/2008 54 Sandy Hill ° oad PO Box 60412 water damage /final Florence MA 11062 INSULATION: For kit. hen ceiling blown in cellulose 204 sq. ft. X $1.50 per sq. ft. $ 306.00 dump cost $ 375.00 overhead $1150.00 8,864.50 12/20/2008 PAGE NO, 3 Or 6 PAGES Vanessa Bron ' on 588 -8545 12/20/2008 54 Sandy Hill • oad Pty Box 60412 water damage /painting Florence MA 11062 PAINTING: paint kitchen ceiling, .Ils and handrails Note *walls need to be sainted due to taping ceiling corners -prime ceiling & bar d all on wall areas -paint ceiling 2 coats ceiling white -paint wall 2 coats Material -1 gallon prim =r and 2 gallons ceiling white paint 2 gallons finis h wall paint and rollers $169.50 Labor $600.00 Total $769.50 paint bathroom -prime ceiling and wall- - paint ceiling 2 coats -paint walls 2 coats Material -1 gallon prime , 1 gallon mold & mildew bath paint & 1 gallon wall paint $ 88.00 Labor $350.00 Total $438,00 12/20/2008 - Moving of turnit re or stogy items tor working access. This offer to cont act estimate is good for 30 days from today's date. Please contact m if you have further questions about any aspect of your project. I hope to have the chance to work with you an, your client in the near future, Respectfully Submitted, Mike Long, Electrician Electrical Contractor bceive Q 5epi 20 ! o C , - (o (n .J Q Gk V e Mike Long �� ELECTRICIA \N P.O. Box 1 '31 Northampton, A 01061 December 18"', 2008 Tom Dolan — Gen . ral Contractor 172 Chesterfield 'treet Chesterfield, MA 11012 Dear Mr. Dolan, Thank you very uch for meeting with me today to discuss the electrical work for your client Vanessa Bronson at 45 Sa d Hill Road- Florence, MA 01062. Specifically, thl estimate Includes the repair of electrical wiring due to water damage of the first floor bathroom kitchen, and basement area below the kitchen. GENERAL SCOP OF WORK DESCRIPTION (BASED ON CONTRACTOR'S ASSUMPTIONS ABOUT TYPICAL CONSTRUCTIO DETAILS AND DISCUSSED SCOPE OF WORK): • Up to 28 lectrical openings to be inspected, rebuilt, or rewired. Please note: An electrical opening i defined as an electrical junction point where electrical cable wire is terminated to any electrical -quipment such as, switches, receptacles, lights, panel boards, smoke detectors etc. • The abov 28 openings includes the removal and rewiring of all wiring, devices, fixtures and built in applia ces such as the bathroom fan that were damaged by water. • Adding G CI protected devices in the kitchen counter area, bathroom, and basement area. • All new d vices in the above mentioned areas. * Total Estimate: $3,000 EXCLUSIONS' This Prelimina Cost Estimate does not include labor or materials for the following work: - Patching, painti or any other finished surface repair. - Cleaning of wor areas beyond "broom swept" conditions. CLARION HOTEL & CONFERENCE CTR (MA11 i Account: MA117 - 241891 1 ATWOOD DRIVE Date: 12/02/08 NORTHAMPTON, MA 01060 USA Page: 1 of 5 !T GUILE IaTEi3 Phone: (413) 586 -1211 Room: 113 RACK Fax: (413) 586-0630 Arrival Date: 11/22/08 10:40 Departure Date: gm.ma117 @choicehotels.com Frequent Traveler ID: GP-VXB85450 You were checked out by: You were checked in by: TLJ BRONSON, VANESSA 54 SANDY HILL RD FLORENCE, MA 01062 US F**(e _ � �� .'� ' 1 � a � � 4 F � ^ `� � 4 z � �� � � �x s � °� L i _ - � sl Anpunt . 1M� ', t � � 4 e 4 � �� ,, : a 11/22/08 ROOM CHARGE #113 BRONSON, VANESSA 119.99 11/22/08 STATE TAX STATE TAX 6.84 11/22/08 CITY TAX CITY TAX 4.80 11/22/08 SAFE WITH LIMITED WARRANTY SAFE WITH LIMITED WARRANTY 1.50 11/22/08 STATE TAX STATE TAX 0.09 11/22/08 CITY TAX CITY TAX 0.06 11/23/08 BREAKFAST GUEST RM. CHRG BREAKFAST GUEST RM. CHRG 11.45 11/23/08 LOBBY BAR CHARGE LOBBY BAR CHARGE 32.15 11/23/08 ROOM CHARGE #113 BRONSON, VANESSA 109.99 11/23/08 STATE TAX STATE TAX 6.27 11/23/08 CITY TAX CITY TAX 4.40 11/23/08 SAFE WITH LIMITED WARRANTY SAFE WITH LIMITED WARRANTY 1.50 11/23/08 STATE TAX STATE TAX 0.09 11/23/08 CITY TAX CITY TAX 0.06 11/24/08 ROOM CHARGE #113 BRONSON, VANESSA 109.99 11/24/08 STATE TAX STATE TAX 6.27 11/24/08 CITY TAX CITY TAX 4.40 11/24/08 SAFE WITH LIMITED WARRANTY SAFE WITH LIMITED WARRANTY 1.50 11/24/08 STATE TAX STATE TAX 0.09 11/24/08 CITY TAX CITY TAX 0.06 11/25/08 BREAKFAST GUEST RM. CHRG BREAKFAST GUEST RM. CHRG 17.70 11/25/08 LOBBY BAR CHARGE LOBBY BAR CHARGE 5.75 11/25/08 ROOM CHARGE #113 BRONSON, VANESSA 109.99 11/25/08 STATE TAX STATE TAX 6.27 11/25/08 CITY TAX CITY TAX 4.40 .4 , CLARION HOTEL & CONFERENCE CTR Room: 113 Approval Number:055713 1 ATWOOD DRIVE Arrival Date: 11/22/08 Card Type: MC Clarion NORTHAMPTON, MA 01060 USA Departure Date: Date: 12/2/2008 Phone: (413) 586 1211 Account: MA117 - 241891 Card Number: ` " " *" ""'4818 BY LnoTCE NaTEiS Frequent Traveler ID: GP- VXB85450 Total: 1,369.93 Fax: (413) 586 -0630 gm.ma117 @choicehotels.com If payment by credit card, I agree to pay the above total charge amount according to VANESSA BRONSON the card issuer agreement. PLEASE VISIT www.valleyvacations.net FOR 54 SANDY HILL RD WONDERFUL VACATION PACKAGES. FLORENCE, MA 01062 US x I BUT35289 Insured: Vanessa Bronson STATEMENT OF LOSS RCV ACV ITEM "A" DWELLING: Original Holdback $ 2,781.81 $ 2,781.81 ADD: Extras: Paul's Plumbing & Heating $ 1,150.25 $ 1,150.25 Electrical Fixtures (5 © $20 + $62.99) $ 162.99 $ 162.99 Electrical 4 -prong stove cord $ 42.00 $ 42.00 Air Filter's (11 x's $21.99) $ 253.98 $ 253.98 Additional Electrical - Dry out & Equipment (877 kwh) $ 132.43 $ 132.43 Additional Heat allowance (Pellets) $ 250.00 $ 250.00 FINAL DWELLING CLAIM: $ 4,773.46 $ 4,773.46 ITEM "C" CONTENTS ": Per attached Inventory $ 2,274.84 $ 1,933.58 CONTENTS LOSS: $ 2,274.84 $ 1,933.58 HOLDBACK: $341.26 ITEM "ALE ": Hotel Bill 11/22109- 12/22/08 (less food charges) $ 1,217.57 $ 1,217.57 Food charges from Hotel $152.36 Less Normal 6 days © $7.15 $ (42.90) Due insured: $109.46 $ 109.46 $ 109.46 Food Allowances -Less normal 126 days @ $39. $ 4,914.00 $ 4,914.00 Milage Allowances 76 days @ 30 miles x's .50 (2280 Miles @ .50) $ 1,140.00 $ 1,140.00 ALE LOSS: $ 7,381.03 $ 7,381.03 LESS ADVANCE $ (2,800.00) ALE CLAIM: $ 4,581.03 ►f Gvt 6\ back Seca ace n �� ° T-W 00000(DI.0(p ►A00 00 OON 00 1~1` gLO000O(0 1-C 0 00 000W c M M ao r . r` co ui ( 6 6 r . . : ) N CV ` of N of 69E03`V'r- 0.0oNW 0 rcOtAN u)r �? �} 64 Ef3 EA N 664 E0 i0 69 69 69 0 r O Q C O W .t u ) 000000uO0u)00 00 000 (0 \ N NOT4:0000MON000 00 000N F c � , - , --N NO(OCMNcoc.107o cOOD 660 r 00 Q 6'3 69 64 6 - t - b L() C (0 4 6 . 0 69 69 63 M ael w 6� ° r 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2' 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 n. 0 000000000000 0 0 000 w L6666666666666 00 000 o N N N N N NN M M `fit C u)000O0000 LO000 00 00 0) 0000) 0000 0 00 000 0 0 d 7►+ v ui0 of o 6coo 6 c �oiNN'ei E c w V tf3 tJ3 ta t ta 699 m ta 69 64 d , to N V 0 0 N O 0000000(01.)000 00 O oO m 0 u) 0) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 o O M ti C uio- oir�oiai0 oiaoo 00 r■oir = i} (0Nd369N(D ' v EA.N 0000 •ct06- J W I-' CO- 69 69 63 r N 6- r te r r ..-. I_ W 64 69 0 64 tf3 to • 0 C 0 w v E o W O= W W N N N N N N W M M M -� C F— E 0 o cn la co p L M a) L «+ J . O O) > O Q) oa 13 N E 0 c t F- O O L a OL c O - ,5 C •>, v � c a d. w 1--- �cn°o s) a rn N mL °.>_ rnv 0 cazr� a)nm ,tm v c d 3 v' a o n m. mc 0X J R f s o 5a�icoc ga m �c : ©c rn =U w L 0 w M0 o oc -... > a Qm.n a�ci 0)0 c N rna, 0 _ L — o o. n. � c � � u) N E :n 23 ' c ` o c (o J I c �rno )m C2 - (B E .0GNs- ��° m a c = m a r�o =aomxXOM° 0 Y -JWcncna.ROOILL -- , MMOLI- Q - - T - r r r N ..... r r ('4 N r r- r a0 T. t) 0 JI r 1 2 Once repairs and/or replacements are completed, please contact the Commerce Insurance Company at 1 -(800) 221 -1605. Arrangements will be made directly with your carrier to address your Replacement Cost claim. Please sign this letter where I have indicated and return it to me with your Statement as to Full Cost to Repair. You may want to keep a copy for your records. By signing this form, you acknowledge the Replacement Cost Process. I will forward both forms to your insurance carried. In accordance with the policy conditions, "no action can be brought unless the policy provisions have been complied with and the action is started within two years after the date of loss or damage occurs. However, if a court prevents the start or continuance of the action, but at a later date allows the action to resume, it must be resumed within one year of the court order. If a disagreement about the amount of loss has been referred to a board of referees within two years of the date of loss, any action against us must be started within 90 days after the board's decisions." Sincerely, Peter E. Shea Adjuster George A. Butler Adjusters, Inc. PES /cb Insureds Signature: XX I" �; o� 9 Zo 0 9 Vane ronson � � 'P `` Stephen A. Brozo, Jr. StAe le-nk" LA5Ur` & fit TO 14)e b" c °"- knQC)l €dCSe j a. VI" scam rn Sta SeryiceS G ©up LP Hof 5er v` eery Pei -Corm ot1 our ca pe.rty } �'he red s cc- l Ltd' CIS er`fic y m‘d $oke -k re,5uk* - to 1 4\Ne. pcnp%%-c rlevi•eck rn 0 ®v (t,I^n \c) e r 7-k , 2-00 ( 6 I car `h, cA' \ c\ cci.o \\a-5 been made' ceVO ac U N ? Pt 0 evc c) A aF iese. 4 apec� . P yr A-6A t-o ire beG ir QC auc- kmo) \tacce , 4\1 b i 1\ was s � „st- G.ea�%e Ou -V\Q-c hokiutei'S on er Aou 5 ;v‘vai ake �►es��z ec v .r y 2q zoo< 0 c\ Ckerso V 'zoo q a G cos\ck b ra \`;is� c 5 �Cetit2ck. `ta v, cecv\c - moAk we tockay , ©crobzc 1 . 0 0 1 vict,a e v„zi,s 04 s. A.0 , ve 4 cer S e v, \\ i P,� ,`z ©o ff,. ,01 2 ease adal o w \edcsZ czce\ Aivr b; \\ s Q `� 51 �(�% Q q GEORGE BUTLER ADJUSTERS, INC. ADJUSTERS FOR INSURANCE COMPANIES 209 Park Avenue West Springfield, MA. 01089 -3322 (413) 781 2897 W.Springfield., MA Pittsfield, MA Worcester, MA Hartford, CT SO. Eastern, MA (413) 781 -2897 (413) 442 -6328 (508) 754 -4100 (860) 525 -9034 (508) 758 -6633 Fax # (413) 731 -5553 E -MAIL butler.adj @the - spa.com October 6, 2009 Ms. Vanessa Bronson P.O. Box 60412 Florence, MA 01060 RE: Company Claim. Number: PVA505- MKVRO4 Policy Number: H JW1925 Date of Loss: 11/21/08 Our File Number: BUT35289 Type of Loss: Water Damage - Contents Dear Policyholder: Enclosed please find a Statement as to Full Cost to Repair. Please sign this statement, and this letter acknowledging the Replacement Cost Process, explained below. Return both forms to our office at your earliest convenience. We will forward it on to your insurance carrier for payment. Please be advised that in accordance with the Terms and Conditions of your policy's replacement cost provisions, your loss has been settled on an actual cash value basis pending repair /replacement of the damaged building or personal property items involved. The amount of money being withheld represents the difference between the agreed replacement cost and the actual cash value. In accordance with the aforementioned replacement cost portion of your policy for your building, you have 730 days from the date of loss to repair the damaged building areas in order to make claim for the depreciation withheld. If you also carry replacement cost coverage for your personal property you have 730 days from the date of loss to repair or replace the damaged personal property in order to make claim for the depreciation withheld. In order to make Replacement Cost claim, you must allow us to re- inspect the building or personal property to confirm that repair or replacement of the loss and damage has been completed and you must supply us with: All cancelled checks applicable to the loss, and; ** All applicable contracts for the repairs showing the amount actually spent to repairs or replace the damaged building and /or personal property. All documents must be original. Photocopies will not be accepted. Cash transactions must be verifiable by cash register receipt. STATEMENT AS TO FULL COST OF REPAIR OR REPLACEMENT UNDER THE REPLACEMENT COST COVERAGE SUBJECT TO THE TERMS AND CONDITIONS OF THIS POLICY BUT35289 fo the Commerce Insurance Company Ins. Co. of Webster, MA Policy Number H JW1925 Agency at: Florence, MA Agent: Finck & Perras Ins. Agcy. Insured: Vanessa Bronson & Stephen A. Brozo, Jr.. P.O. Box 60412, Florence, MA Location: 54 Sandy Hill Road, Florence, MA Type of property involved in claim: water damage to CONTENTS Date of Loss: 11/21/2008 1 FULL AMOUNT OF INSURANCE applicable to the property for which clain is presented. $ 128100.00 2 FULL COST OF REPLACEMENT of the said property at the time of the loss was. $ 0.00 3 THE FULL COST OF REPAIR OR REPLACEMENT IS. $ 2274.84 4 APPLICABLE DEPRECIATION IS. $ 341.26 5 ACTUAL CASH VALUE LOSS IS . $ 1933.58 (Line 3 minus Line 4) 6 LESS DEDUCTIBLES AND /OR PARTICIPATION BY THE INSURED. $ 0.00 7 ACTUAL CASH VALUE CLAIM IS. $ 1933.58 8 SUPPLEMENTAL CLAIM, to be filed in accordancewith the terms and conditions of the Replacement Cost Coverage, upon inspection of .feted repairs /replacement and presentation of verifiable rec- Ipt . nd canceled checks, within 730 days from the date of loss as •. •wn ..ove, will not exceed / /� $ 341.26 (This figure will be that portion of the amounts shown on lin- s 4 . d 6 whicr -coverable) XX / , _• __•r.. �� (i` -e- v Q ZOO 9 Insured 'Vane B on �so 4 Insured Stephen A. Brozo, Jr. State of Witness County of Suscribed and sworn before me this day of 2009 Notary Public 10/6/2009 SWORN STATEMENT IN PROOF OF LOSS AND SUBROGATION AGREEMENT $ 128100.00 BUT35289 H JW1925 AMOUNT OF POLICY AT TIME OF LOSS POLICY NUMBER 08/22/08 PVA505- MKVRO4 DATE ISSUED COMPANY FILE NUMBER 08/22/09 Finck & Perras Ins. Agcy. DATE EXPIRES AGENT To the Commerce Insurance Company (INSURER) By the above policy you insured Vanessa Bronson & Stephen A. Brozo, Jr.. P.O. Box 60412, Florence, MA against loss by water damage to contents to the property described in Schedule "C" 1 TIME AND ORIGIN: A water damage to contents loss occurred about the hour of o'clock on the 21st day of November 20 08 The cause and origin of the said Toss were: water damage to contents located @ 54 Sandy Hill Road, Florence, MA 2 OCCUPANCY: The building described, or containing the property described, was occupied at the time of loss as follows, and for no other purpose whatever: as permitted 3 TITLE AND INTEREST: At the time of the loss the interest of your insured in the property described therein was owner No other person or persons had any interest therein or encumbrance thereon, except: 4 CHANGES: Since the said policy was issued there has been no assignment thereof, or change of interest, use, occupancy, possession, location or exposureof the property described, except: None 5 TOTAL INSURANCE: The total amount of insurance upon the property described by this policy was, at the time of the loss, $ 128100.00 as more particularly specified in the apportionment attached under Schedule "C" besides which there was no policy or other contract of insurance, written or oral, valid or invalid. FULL REPLACEMENT COST ACTUAL CASH VALUE 6 The value of the property at the time of loss was $ $ 7 The whole loss and damage was $ 2274.84 $ 1933.58 8 The amount less deductible of $ claimed under this policy is $ 1933.58 9 The said loss did not originate in any act, design or procurement on the part of your insured, or this affiant; nothing has been done by or with the privy or consent of your insured or this affiant, to violate the conditions of this policy, or render it void; no article are mentioned herein or in annexed schedules but such as were destroyed or damaged at the time of said loss; no property saved has in any manner been concealed, and no attempt to deceive the said company, as to the extent of said loss, has in any manner been made. Any other information that may be required will be furnished and considered a part of this proof. 10 The insured hereby assigns, transfers and sets over to the Insurer any and all claims or causes of action of whatsoever kind and nature which the insured now has, or may hereafter have, to recover against any person or persons as a result of said occurance and toss above described, to the extent of payment above made; the Insured agrees that the Insurer may enforce the same in such manner as shall be necessary or appropriate for the use and benefit of the Insurer, either in its own name or in the name of the Insured; that the Insured will furnish su h papers, information, or evidence as shall be within the Insured's possession or control for the purposes of enforcin• . •ch claim, demand or cause of action. The Insured covenants that no release or settlement of any such claim, de = • , or cause of action has been made. 11 The furnishing of this blank or the preparation of proofs by a represe, . we of the above insurance company is not a waiver of any of its rights. 12 THIS STATEMENT IS MADE UNDER THE PENALTY OF PER - Y. l � � 13 XX �J.. ,,� , 1 117 029 206 Insured l ane Br . 14 State of Insured tephen A. Brozo, Jr. 15 County of Witness Subscribed and sworn to before me this day of 2009 NOTARY PUBLIC 10/6/2009 SWORN STATEMENT IN PROOF OF LOSS AND SUBROGATION AGREEMENT $ 183000.00 BUT35289 FINAL H JW1925 AMOUNT OF POLICY AT TIME OF LOSS POLICY NUMBER _ 08/22/08 PVA505- MKVRO4 DATE ISSUED COMPANY FILE NUMBER 08/22/09 Finck & Perras Ins. Agcy. DATE EXPIRES AGENT To the Commerce Insurance Company (INSURER) By the above policy you insured Vanessa Bronson & Stephen A. Brozo, Jr.. P.O. Box 60412, Florence, MA against loss by water damage to building to the property described in Schedule "A" 1 TIME AND ORIGIN: A water damage to building loss occurred about the hour of o'clock on the 21st day of November 20 08 The cause and origin of the said loss were: water damage to building located @ 54 Sandy Hill Road, Florence, MA 2 OCCUPANCY: The building described, or containing the property described, was occupied at the time of loss as follows, and for no other purpose whatever: as permitted 3 TITLE AND INTEREST: At the time of the loss the interest of your insured in the property described therein was owner No other person or persons had any interest therein or encumbrance thereon, except: Florence Savnings Bank ISAOA/ATIMA 4 CHANGES: Since the said policy was issued there has been no assignment thereof, or change of interest, use, occupancy, possession, location or exposureof the property described, except: None 5 TOTAL INSURANCE: The total amount of insurance upon the property described by this policy was, at the time of the loss, $ 183000.00 as more particularly specified in the apportionment attached under Schedule "A" besides which there was no policy or other contract of insurance, written or oral, valid or invalid. FULL REPLACEMENT COST ACTUAL CASH VALUE 6 The value of the property at the time of loss was $ $ 7 The whole loss and damage was $ $ 8 The amount less deductible of $ claimed under this policy is $ 4773.46 9 The said Toss did not originate in any act, design or procurement on the part of your insured, or this affiant; nothing has been done by or with the privy or consent of your insured or this affiant, to violate the conditions of this policy, or render it void; no article are mentioned herein or in annexed schedules but such as were destroyed or damaged at the time of said loss; no property saved has in any manner been concealed, and no attempt to deceive the said company, as to the extent of said loss, has in any manner been made. Any other information that may be required will be furnished and considered a part of this proof. 10 The insured hereby assigns, transfers and sets over to the Insurer any and all claims or causes of action of whatsoever kind and nature which the insured now has, or may hereafter have, to recover against any person or persons as a result of said occurance and loss above described, to the extent of payment above made; the Insured agrees that the Insurer may enforce the same in such manner as shall be necessary or appropriate for the use and benefit of the Insurer, either in its own name or in the name of the Insured; that the Insured will furnish such papers, information, or evidence as shall be within the Insured's possession or control for the purposes of enforcing such claim, demand or cause of action. The Insured covenants that no release or settlement of any such claim, der -nl, or cause of action has been made. 11 The furnishing of this blank or the preparation of proofs by a repres- tat - e of the above insurance company is not a waiver of any of its rights. 12 THIS STATEMENT IS MADE UNDER THE PENALTY OF PE - .JU' ' . 13 XX /I e y (7 k 2 ?, 2009 Insured • frane = .nson 14 State of 1 4' Insured Stephen A. Brozo, Jr. 15 County of Witness Subscribed and sworn to before me this day of 2009 NOTARY PUBLIC FINAL --1 'One best our tknou `eci`se an .1=n6tac Qi di ces GC L b; (I, 11 vot t'_ 5 10 ' yq L(p9 f'2 UN Pa by Com ecee .t_n ance /6/2009 cLk AiNe of - 51csnIncs tcse V=tpec6. �� GEORGE BUTLER ADJUSTERS, INC. ADJUSTERS FOR INSURANCE COMPANIES 209 Park Avenue West Springfield, MA. 01089 -3322 (413) 781 2897 W.Springfield., MA Pittsfield, MA Worcester, MA Hartford, CT SO. Eastern, MA (413) 781-2897 (413) 442-6328 (508) 754-4100 (860) 525-9034 (508) 758 -6633 Fax # (413) 731 -5553 E -MAIL butler.adj @the - spa.com October 6, 2009 Ms. Vanessa Bronson P. O. Box 60412 Florence, MA 01060 RE: PROOFS OF LOSS, REPLACEMENT COST FORM & REPLACEMENT COST LETTER COMPANY: Commerce Insurance Company COMPANY CLAIM NUMBER: PVA505- MKVRO4 COMPANY POLICY NUMBER: H JW1925 INSURED: Vanessa Bronson & Stephen A. Brozo, Jr. LOSS LOCATION: 54 Sandy Hill Road, Florence, MA DATE OF LOSS: 11/21/08 TYPE OF LOSS: Water Damage OUR FILE NUMBER: BUT35289 Dear Ms. Bronson: In accordance with our agreement, we enclose herewith a Proofs of Loss, Replacement Cost Form & Replacement Cost Letter that should be signed and dated by the named insured. This Proofs of Loss, Replacement Cost Form and Replacement Cost Letter are furnished in accordance with the terms and conditions of the policy. The furnishing of the Proofs of Loss, Replacement Cost Form and Replacement Cost Letter is not to be construed as an admission of liability or a waiver of any of the conditions and provisions of the policy. We are enclosing an envelope for your use in returning the properly executed Proofs of Loss, Repiacement Cost Form and Replacement Cost Letter. Upon receipt of the Proofs of Loss, Replacement Cost Form and Replacement Cost Letter we will immediately submit it to the company for their consideration. Very truly yours, '''OLL 0 Peter E. Shea Adjuster PES /cb (413) 781 -2897 ** Please Note: The attached paperwork DOES NOT need to be notarized. Jan 23 09 12:55p p.5 ' GEORGE A. BUTLER ADJUSTERS, INC. INSURED : VANESSA BRONSON PAGE 3 BUILDING REPAIR ESTIMATE MINIMUM CHARGE =* COPYRIGHT 1987 -01 S3V DESCRIPTION QUANTITY /UNIT UNIT /COST REPL /COST GENERAL 7 45/ REMOVE 100 AMP ELECTRICAL SERVICE 1.00 EA 146.36 146.36 REPLACE 200 AMP ELECTRICAL SERVICE 1.00 EA 1,571.47 1,571.47 REMOVE WIRING DEVICES SW /RECEPT 28.00 EA 11.88 332.64 REPLACE WIRING DEVICES SW /RECEPT 28.00 EA 84.75 2,373.00 REPLACE GROUND FAULT RECEPTACLE 4.00 EA 113.26 453.04 CLEANUP & DEBRIS REMOVAL 24.00 HR -32.00 768.00 DUMPSTER 20 YARD 1.00 EA 350.00 350.00 ICLEAN FINAL 8.00 HR 22.00 176.00 S U B T O T A L $20,320.41 OVERHEAD @ 10.00% $2,032.04 $22,352.45 PROFIT @ 9.09% $2,031.84 $24,384.29 TAXES @ 5.00% [MATERIALS ONLY] $432.33 $24, 816.62 LESS DEPRECIATION $2,781.$1 T 0 A L $22,C34.81 party separately sign and date that part of the contract. After a consumer is paid from the Guaranty Fund, the re- However, a contractor may have a counterclaim settled by sponsible registered contractor is obligated to reimburse an arbitrator if the homeowner has initiated the arbitration the Fund with interest within 30 days. Failure to repay the action. Fund may result in administrative fines, revocation of the For an arbitration application, or to request additional contractor's registration, and in extreme cases, criminal information about the arbitration program, contact the prosecution. Consumer Affairs Consumer Hotline at (888) 283 -3757 To apply to the Fund, you must file a claim application or visit www.Mass.Gov /homeimprovement. within six months of the court judgment date or arbitration Court Action award date. You then must exhaust all reasonable efforts You may also pursue your claim through the court system. to collect the judgment, as defined by state regulations For claims under $2,000, small claims court is the least (201 CMR 14.00). costly alternative. Consumer Affairs published a For more information about the Guaranty Fund and to Consumer's Guide to Small Claims Court, available upon obtain a claim application, call the Consumer Affairs request. Larger claims may be more suitable to District or Consumer Hotline at (888) 283-3757 or visit our website Superior Court. You should seek legal advice for all claims. at www.Mass.Gov /consumer. About Your Judgment how t o access the Be aware that in some cases, you may be prevented from _ uarant or delayed in obtaining a judgment of any kind if the con- tractor you hired has filed for bankruptcy. If a contractor has To qualify for payment from the Fund, a homeowner filed for bankruptcy, you can contact the Consumer Affairs must be able to prove that: hotline to find out what recourse may be available to you. 1 there was a contract for the job; a 1 t e r .you win an i the contractor was registered with the Board of Build- arbitration award ing Registration and Standards at the time of the or court judgment. contract The Guaranty Fund i the contractor — not the homeowner — secured The Home Improvement Guaranty Fund was created as a the building permit (with some exceptions); fund of last resort for consumers who have an unpaid final i the contract was for work on a pre-existing 1-4 family judgment against a contractor. The Guaranty Fund is residence in Massachusetts that is the owner's pri- funded by a one -time fee that contractors are required to mart' residence; pay at the time of initial registration. If you win your case in arbitration or in court and the contractor fails to pay the i a court judgment or arbitration award in the award or judgment, you can apply to the Guaranty Fund homeowner's favor has been issued, and all "reason - for up to $10,000 or your actual losses. You should be able efforts to collect" the judgment or award have aware, however, that if you pursue a claim in small claims been exhausted; and court when your actual damages are greater than $2,000, 1 a Fund application was filed within six months of the the amount you are eligible to receive from the Guaranty arbitration award or court judgment. Fund is capped at $2,000. 8 9 a 3-day cancellation notice, informing you of your right tion is voluntary, requiring both parties' consent. You may to cancel your contract if you signed the agreement in apply for mediation through your local consumer group, your home, or at a place other than at the contractor's which is affiliated with the Attorney General's Office. office or business; and Arbitration: You may be eligible for the state - approved 1 other details particular to your job. Home Improvement Arbitration Program. To qualify you Be sure the contractor obtains the building permit. must be able to prove that: If you apply for the permit, you may not be eligible for / 1 there was a written contract for the job compensation from the Guaranty Fund. v' 1 the contractor was registered at the time of the contract By law, the contractor cannot collect more than ,r one -third of the cost of the contract in advance, V 1 the work was done on a 1-4 family, owner occupied, unless special order materials are needed. primary residence in Massachusetts. If you are financing your home improvements, be If you obtained your own building permit, you may be swore that contractors are not allowed to lend you the eligible for arbitration (if other qualifications are satisfied), money, or actin association with any lending institution if but you may not be eligible for payment from Guaranty the loan is secured by a mortgage on your home. Simi- Fund. If the contractor failed to include the permit notice Eli lady, a contractor cannot offer you financing with a spe in the contract and you meet other qualifications, you cific lender if your home is used as collateral. You have have access to the Guaranty Fund. the right to choose any lender who is willing to negotiate You must submit an arbitration application within 2 years your loan. Get a cost estimate from the contractor for the I of signing the home improvement contract. If accepted work that needs to be done, and then shop around for the into the program, a hearing fee will be charged based on best financing option. a sliding scale based on the size of the claim. when something g o e s Please note that claimants pursuing arbitration against a n deceased party must file their arbitration application with the Office of Consumer Affairs and must file a "Notice of if you have a contract dispute or if you think that the job Claim" with the appropriate probate court. Both docu- was done in a shoddy or unworkmanlike manner, you ments must be filed within 1 year of the date of death. In should write to the contractor. Put your concerns in writing some instances you may need to file both documents and send your letter to the contractor by both regular first J within 10 months. Contact the Office of Consumer Affairs class mail and by certified mail, return receipt requested. for more information. You may also wish to seek the ad- Be sure to outline, in chronological order, how the contrac- vice of an attorney. tor has violated your agreement. Suggest what action you A professional, neutral arbitrator hears the case with both would like the contractor to take, such as finishing the job, paying you for damages, or canceling the contract. If parties present and makes a legally binding decision. Ei titer that does not resolve your dispute, you should explore the Party may appeal the decision in court within 21 days. following options: A contractor with a dispute against a homeowner may Mediation: This allows both parties to reach a mutually tally agree to arbitration in the contract by having each initiate an arbitration action only if both parties specifi- agreeable resolution with the help of a facilitator. Media- b e L o r e you hire Confirm references for each contractor. Look at the jobs a contractor. the contractor has completed. Contact the other homeowners who have hired the contractor and find out Selecting a contractor is the most important part of the if they have had any problems. Check the contractor's home improvement process. You should always: complaint history with the Attorney General's Office and Interview at least three contractors and request a writ the Better Business Bureau. You can contact Consumer ten, detailed estimate. Affairs to find out if the contractor has lost any arbitration cases since 1996 or had any Guaranty Fund claims filed Check with the Board of Building Regulations and against him or her since 1993. You may also obtain this Standards to make sure that the contractor or subcontrac- • information from our Home Improvement website at tor you hire is currently registered with the state. www.Mass.Gov/homeimprovement. If the contractor or subcontractor is not registered, you will b e L O r e ' O U. sign not be protected by the Home Improvement Contractor a contract. Law and therefore will not have access to the state -ap- proved Arbitration Program or the Guaranty Fund. How- Always ask for a detailed written contract, even for ever, there may be other remedies available to you small projects. It will protect you and help ensure that through the court system. both you and the contractor understand the scope of the job and the price. State law requires that home improve - There are some exceptions to the registration requirement. ment contracts over $1,000 be in writing. If contractors Contractors who do not need to be registered include in- violate this provision, their registration may be suspended stallers or providers of central healing and air conditioning, or revoked, and they can be fined or face criminal pros energy conservation devices, landscaping, interior paint- ecution. Consumer Affairs can provide you with a sample ing, wall and floor coverings, fencing, freestanding ma- contract. sonry walls, above ground pools, shutters, awnings, ground level patios, driveways and certain licensed profes- Be sure the contract contains: sionals such as architects, electricians and plumbers who 1 the identification of the contractor, including the provide services that are exclusively within the scope of contractor's registration number; their profession. Additionally, some part-time and small job (under $500) contractors do not need to be registered. 1 total price of the work; Registered contractors must display their six -digit registra- 1 the payment schedule; lion number on all advertisements, contracts and permits. 1 a provision for changes or "extras'; Wherever you see the company or contractor's name dis- played, you should also find a registration number nearby. 1 a detailed list of specifications /materials; The state issues an identification card to all registered start and completion dates; contractors. Ask to see it in order to verify that the regis- tration is valid and has not expired. Confirm that the i a copy of the contractor's insurance; contractor's registration is current with the Board of Build- 1 a notice waming you that if you secure your own build- ing Regulations and Standards before you sign the con- ing permit or deal with unregistered contractors, you tract. If you discover that a contractor is not registered, contact will not be eligible for the Guaranty Fund; the Attorney General's Office to report this illegal act. 4 about the program. Every year, consumers spend millions of dollars on home `1 , !r!, ' improvements. far too often, unsuspecting homeowners are cheated by home improvement contractors. In 1992, the Home Improvement Contractor law (M.G.I. c. 142A) was created to protect consumers and regulate the prac- tices of home improvement contractors. '' ® ill .. -- ■ •11 The law establishes (1) a contractor registration require- ment, (2) an arbitration program for resolving disputes El 9 in between homeowners and registered contractors and (3) a Guaranty Fund to compensate consumers up to $10,000 for unpaid judgments against home improve- ment contractors. Remodeling and improving your home before ; ' o u begin can be a huge undertaking. Fortunately, by understanding your rights under the law and taking a few precautions, the project. you can help avoid potential problems. Be sure to plan carefully before investing thousands of dollars into home improvements. Think about the specific design you want (consult an % . architect or designer if necessary) and decide on a budget. _ Think about the materials you want to use. Visit home r improvement centers, read magazines featuring distinctive o ..� home designs, or talk to others who have completed Simi lar renovations. rommommi 0 Clearly describe the work you want done in a speciifica- �� lion sheet and floor plan for potential contractors. When all contractors who bid on a job work from the some de- Arbitration and Guaranty Fund applications are sign description, a complete and accurate bidding process available at our web site: is more likely. http: / /www.Mass.Gov /consumer Contact a professional building industry association for advice on the home improvement process, including the selection of a contractor. M 0 a :,a-oach,4-etto to home improvement •• • Consumer Affairs& w Business Regulation JAN 2 3 2009 F1NCK & PERRAS adjustor A I was willing to tolerate living in a dwelling with NO into by listening to my adj s from WATER and limited electricity, no bath facilities, and no laundry facilities I December 2nd to Janes` 15 so as to keep the emphasis on restoring my hors es. I have presently live in a construction zone with no kitchen nor any bathing had sinus infections as a result of such an environment. ro haead is sheet of y dust and paint fumes. There is also the emotional pain brought on by daughter who is living elsewhere. I begged only for the standard per Diem of 39 dollars per day hoping this might be realized while keeping the focus on the restoring of my home. OKAY. Peter, forget the plumbing bill — papers are being filed in small claims court against INSTAR for the winterization of the home. The documentation of the complaint against the property issued by the Northampton Building Inspector on November 24 and the write up by the NHFD on the like date, name ISTAR and substantiate such claim. It will be made clear the significance of this bill, specifically your using this bill to breech an agreement with the contractor. I did ask Jim Quinn on Monday December 1 st. of INSTAR would be paying for the winterization. His response was that Peter would take care of it. The lost items list is enclosed, the food monies due are noted. I assume that the Commerce Cares people will continue not to care about my living conditions. Additional notes. My friend Torn at State Representative Stanley Rosenberg's office is referring this matter to the state attorney general's consumer affairs office. I have secured the services of a lawyer friend in Greenfield who is sympathetic to trades people's grievances to ensure that these workers at my home get the monies that they have earned. PS 1 have been asking Paul's plumbing for billing since December 18` Unknown to me in November, the only number I have is an answering service who always answers with "Paul's plumbing". I looked up on my phone the number they had returned my calls with and it is 'restricted' — I can't call hire directly. The contractor has also tried contacting Paul's plumbing. They are definitely aware of my request for billing. A bit of good news, I no longer have to gather snow into three sheet rock buckets, set them by the pellet stove to melt into water, so I can fill the tank for my single daily toilet flush. The neighbors were entertained by this daily skit of mine. I have a group of trades people who show up when they say they are going to, work eight hour days, and are consistent and trustworthy and do quality work. You are completely in the wrong to with hold their earned monies. All because of a plumbing bill for less than a grand. Are you serious? t ' 6 f-`7 t'. r Y RECEIVED JAN 2 3 2009 FINCK & PERRJS Monday, 2009 January 19 Peter Shea: I still have not received a plumbing bill, the bulk of -which is related to a winterization procedure called for by the Northampton Building Inspector. Although your letter of January 7` states that you accept the contractor and electrician's figures, which is in agreement with your verbal statements made to me the last week of December when you gave the contractor the 'go ahead' to proceed, you never intended to pay the contractor and electrician for supplies and their labor in a timely fashion. Now you did leave the timing of payments undefined. In fact the only reason any money was sent to the contractor seems to be a result of his commenting to you that such money was required. Now here's where I'm coming from. My many years as a manufacturing engineer in prototype manufacturing equipment showed me no other scenario but that material costs are paid up front at the onset of a job and labor costs are paid promptly as they are incurred. Apparently insurance adjusters think differently. And your justification? Lack of a plumbing bill amounting to less than 1000 dollars, Mind you I had the immediate plumbing situation resolved within twenty four hours of the incident. What was required was to secure the electrical situation to run the electric heat. I-Iad that occurred, no winterization of the home would have been required. And further, the reason why Paul's plumbing got involved is because INSTAR called me three times on Saturday November 22 stating the were searching for a plumber, finally asking me to find my own plumber. I asked the building inspector for names of plumbers and he immediately supplied such. Of course, INSTAR didn't have an electrician available either; hence A.J. Electric was asked to swing by the house. Its that INSTAR thing again. And Commerce Insurance does bare responsibility regarding the actions of EN/STAR. I was instructed by my insurance company to ask and follow the directives of the adjuster. You advised me to bring INSTAR into my home. When I made you aware of the problems, you chose to hide in the shadows, either incapable or unwilling to stand behind your decision to have me use INSTAR as a contractor. What is the correlation between this plumbing bill and the payment of labor and materials that you Okayed in December, encouraged the work to begin, and now refuse to pay monies owed to the current contractor and electrician? AT NO TIME DID YOU MAKE THE OWNER, VANESSA BRONSON, AWARE OF YOUR INTENTIONS TO WITHHOLD FEES EARNED AND MATERIAL FEES INCURRED FROM THE CONTRACTORS. It is I, the owner of the property, who is liable for all services and expenses rendered and incurred by these trades people. I had absolutely no window to consider and plan how to pay these workers. And payment is due NOW. You knowingly put me and my property in jeopardy. The adjuster willfully breeched the agreement with the contractor. From day one I focused on restoring my home. As a result of Commerce Insurance's miserable attitude in reimbursing me for housing at a hotel — yet another situation I got 01 UN Paul's Numbing& Heating invoice 23 East Windsor Road Worthington, MA 01098 , DATE 1, INVOICE * 413.238.0303 112212009 i 76 I 8 s BILL TO Vanessa tlronson 57 Sandy Hi11 ktd I Fiorencc. MA 61060 i S 1 PROJECT _ .i DESCRIPTION AMOUNT Ems. Service Call; Water leaking *ore second floor. installed new shut off to second floor. Fix ioks en second floor and winterize house. Material 212.00 Santee Technician 5:16.50 1 . Agpeciuice 351. ?S i I t AJ) i k . Q 1 1 Ca. t \11(l'e k f : f V 11 10 cUivit))) . / a �ea r 0r 1 15 • ,A [ . I Thank you for your business. ` r } Total xv.4 £C'i. 6092.1.1•10 trt0t sF‘g-9 t' Paul's Plumbing & Heating Invoice 23 East Windsor Road WQrihi gten, MA 01093 1 DATE INVOICE. R 413-238-0303 V21J2 09 .76:;i 1 J V SILL, TO , 1 { V'ale :A 3lronson r7 Sandy Rill Rd `h loresrC !IA 01060 I 1 ■ 1 • • • ... r PROJECT _._ DESCRIPTION AMOUNT 1 Einors. Ssrvice Call: Water 1Na:in turn oeCGnd fio-r, =tailed new :•Out of it, scoond thaw'. Fix Iczlcs on —. second floor sad wiutcrfze hou:.e. KOLIti■ 2 1100 ! Sarv:oo Teckniclivi ;.:Th.50 1 Apprentice \,C 35!.75 i WIC V C7 ,a ,1 ♦ 1 4.05•CL �� • i ak o r - J_Ij \ \ -- e- ) f '. , ! Am ) 5\)-- \ -- 2 ...)j . :N ,2:-'-" C' ' 1 0 . P ' I 'J 4:---)(1)..i0/9.).)::b" 1 'flank you tar your bsiaineas Total s 1.19Q.23 1 T or) ct GEORGE BUTLER ADJUSTERS, INC. ADJUSTERS FOR INSURANCE COMPANIES 209 Park Avenue Vest 5prit1 afield, 141A. 01089 (41;;) 781 2897 Springfield, MA Pittsfield, MA We:K.:ester, MA Hartford, CT SO. Eastens, MA (413) 781-2897 (413) 442 -6328 (508) 754 -4100 (860) 525 -9034 (508) 758 -6633 Fax # (413) 731 -5553 E-MAIL butler.adachr -s a.com FACSIMILE TRANSMITTAL S1- IEE'T' To7 FROM. I x ACCESS NUMt3L-'tt DATE: CC»IPANY M IS (INCLUDING COVER PAGE): ATTENTION R J; ❑ 11Kc l fi J• ❑ 1 KI' "i l 1`,' ❑ i'l.l. ii:l•' c;i?i,(t.ftN t 0 PJ.J'A I RLiYl,`r' ❑ J'l.Ji;ltil' RI't:Y "CLi: NOTES/ COMMENTS: • IIHI FINCK & PERRAS INSURANCE AGENCY, INC. "Insuring Your Wav, Since 1935" 2/11/2009 Vanessa Bronson Stephen A Brozo Jr PO Box 60412 Florence, MA 01062 -0412 Dear Vanessa & Stephen: It has been noted that Stephen changed his address on 6/16/08 with the Easthampton Office on another account and is no longer living at 54 Sandy Hill Rd., Florence. The Registry of Deeds records show that Stephen's name is listed on the deed of that property but is currently living at 75 Russellville Rd., Amherst, Ma. A loss occurred at the 54 Sandy Hill Rd. location on 11/21/08 and to assure protection for both owners Commerce Ins. Co. has advised us to add the endorsement adding Stephen as an additional insured. The issue at hand is whether Stephen has personal contents at the Sandy Hill Rd. address or is insured under the 10% rule of the policy on the home in which he currently resides. Also, any and all payment drafts will be issued and made payable to both owners. Please notify us of any changes as required by the conditions of the policy. Sincerely, ariP Robert Daniels rdaniels@finckandperras.com FINCK & PERRAS INSURANCE AGENCY, INC. . CC /Stephen A. Brozo, Jr. 75 Russellville Rd. Amherst, Ma. 01002 6 Campus Lane Easthampton, MA 01027 63 Main Street, Florence, MA 01062 413 -527- 3000 /fax 527 -5970 413-584-1970 / fax 586 -9069 info @ finckandperras.com info@finckandperras.com T-� Click on the check number to see more detailed information on your account. Check NumberCheck Amount Date Paid Payee Check Status 0021533924 $2500.00 12111/2008 VANESSA CASHED ON BRONSON AND 01/05/2009 STEPHEN A BROZO JR AND FLORENCE SAVINGS BANK ISAOA/ATIM 0021534009 $1000.00 12/11/2008 VANESSA CASHED ON BRONSON AND 12/23/2008 STEPHEN A BROZO JR 0021554841 $1800.00 12/22/2008 VANESSA CASHED ON BRONSON AND 12/29/2008 " STEPHEN A BROZO JR 0021593547 $7500.00 01/13/2009 VANESSA VOIDED ON BRONSON AND 03/16/2009 STEPHEN A BROZO JR AND FLORENCE SAVINGS BANK ISAOA/ATIM 0021701274 $19034.81 02/26/2009 VANESSA CASHED ON BRONSON AND 03/04/2009 STEPHEN A BROZO JR AND FLORENCE SAVINGS BANK ISAOA/ATIM 0021593547 $- 7500.00 01/13/2009 VANESSA VOIDED ON .......... .. . 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J .SR ��' 1 c---) Nor To e) g 1 , _..... _...,., .. _ --- , ,.. • .,,, ---, ," Ac0RD® °a w r DATE MM /DD/YY �� : sa ;=a 0 4 M v � exy �`� �•`u'� : z z � x '�".�� s �" '.e ¢ "#ti� 'r` as r ' "�,,.,- ,�t'y .?^r f f s 11/21/2008 ., .,. _ . a.,e - a x�.:..+:�q ors :''�. .�„�,a,,: .. ;�J:� �s�?3,`L "�:�_ �.. �:! .�.ds PRODUCER • �E MISCELLANEOUS INFO ( Site & location code) DATE OF LOSS AND TIME AM PREVIOUSLY (AIC, No, Ext). 0413) 5H4 -197 REPORTED FAX (413)584 -2438 11/2 02:30 X PM YES NO Finck & Perras Insurance Agency, Inc PTYPEY COMPANY AND POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE 63 Main Street PROP! CO: Citation Insurance Compan 08/22/2008 08/22/2009 Florence, MA 01062 HOME POL: )W1925 CO: FLOOD CODE: SUB CODE: POL: AGENCY CUSTOMER ID CO: 00007459 WIND POL: CONTACT INSURED '> NAME AND ADDRESS NAME AND ADDRESS WHERE TO CONTACT VANESSA BRONSON P 0 BOX 60412 FLORENCE, MA 01062 -0412 WHEN TO CONTACT RESIDENCE PHONE (A/C, No) BUSINESS PHONE (A/C, No, Ext) RESIDENCE PHONE (A/C, No) BUSINESS PHONE (A/C, No, Ext) 4135888545 ,.xe: POLICE OR FIRE DEPT TO WHICH REPORTED 1 f N 54 SANDY HILL RD, FLORENCE, MA 01062 -2630 OF LOSS KIND '. FIRE LIGHTNING FLOOD X PeTHE xplain R ) Wate damage PROBABLE AMOUNT ENTIRE LOSS (e OF LOSS THEFT HAIL WIND DESCRIPTION OF LOSS & DAMAGE (Use reverse side if necessary) Insured's pipe burst in 2nd floor bathroom causing water damage to kitchen and basement. Valve to main water source had to be shut off. No water in entire home. MORTGAGEE FLORENCE SAVINGS BANK ISAOA /ATIMA 85 MAIN STREET NO MORTGAGEE PO BOX 60700 FLORENCE, MA 01062 -0700 HOMEOWNER POLICIES SECTION 1 ONLY (Complete for coverages A, B, C, D & additional coverages. For Homeowners Section II Liability Losses, use ACORD 3.) A. DWELLING B. OTHER STRUCTURES C. PERSONAL PROPERTY D. LOSS OF USE DEDUCTIBLES DESCRIBE ADDITIONAL COVERAGES PROVIDED 183,000 36,600 128,100 73,200 500 ADVANTAGE ENDORSEMENT ON Home computer COVERAGE A. EXCLUDES WIND 3, Special Form, HO -0490 SU TO FORMS (Insert form numbers edition dates, special deductibles) FIRE, ALLIED LINES & MULTI -PERIL POUCIES (Complete only those items involved in loss) ITEM SUBJECT OF INSURANCE AMOUNT % COINS DEDUCTIBLE COVERAGE AND/OR DESCRIPTION OF PROPERTY INSURED BLDG CNTS BLDG CNTS BLDG CNTS SUBJECT TO FORMS (Insert form numbers and edition dates, special deductibles) FLOOD BUILDING: DEDUCTIBLE: ZONE PRE FIRM RIFF IN ELEV FORM GENERAL CONDO - - --- - - POLICY CONTENTS: ' DEDUCTIBLE: POST FIRM TYPE DWELLING WIND BUILDING DEDUCTIBLE CONTENTS ZONE FORM GENERAL CONDO POLICY T DWELLING REMARKS /OTHER INSURANCE (List companies, policy numbers, coverages & policy amounts) CAT# FICO# Tina Yanczewski X15215 ADJUSTER# DATE ASSIGNED ADJUSTER ASSIGNED REPORTED BY REPORTED TO SIGNATURE OF PRODUCER OR INSURED Vanessa Bronson Gail Serino Finck & Perras tR E J Q T M..M TRTWP ,WAP „ - A fl RAT!ON 199 Commerce Insurance A The Commerce Insurance Company DIRECT BILL Citation Insurance Company ANIIIIK 211 Main Street, Webster, Massachusetts 01570 (508) 943 -9000 Members of The Commerce Group, Inc. Homeowners * Renewal Declaration * ISSUED BY CITATION INSURANCE COMPANY POLICY NUMBER FROM POLICY PERIOD TO EFFECTIVE TIME AGENCY H JW1925 8/22/08 8/22/09 12:01 AM STANDARD TIME 045 NAMED INSURED AND ADDRESS AGENT VANESSA BRONSON FINCK & PERRAS INS. AGENCY, IN STEPHEN A BROZO JR 63 MAIN STREET P 0 BOX 60412 FLORENCE MA 01062 FLORENCE MA 010620412 BASIC ENDORSEMENTS SCHEDULED PROPERTY TOTAL ADDITIONAL /RETURN PREMIUM PREMIUM PREMIUM PREMIUM PREMIUM $555.00 $103.00- $452.00 THE RESIDENCE PREMISES COVERED BY THIS POLICY IS LOCATED AT THE ABOVE ADDRESS UNLESS OTHERWISE STATED. LOCATED AT: 54 SANDY HILL RD FLORENCE MA 010622630 SECTION I SECTION II COVERAGE A COVERAGE B COVERAGE C COVERAGE D COVERAGE E COVERAGE F DWELLING OTHER PERSONAL LOSS OF USE PERSONAL MEDICAL PAYMENTS STRUCTURES PROPERTY LIABILITY TO OTHERS $183,000 $36,600 $128,100 $73,200 $500,000 $1,000 POLICY DED FORM TOWN /ROW CONST NO FAM CONSTR YR PROT CODE TERR NO APT $500 3 FR 1 1972 03 H12 IN CASE OF LOSS UNDER SECTION I, WE COVER ONLY THAT PART OF THE LOSS OVER THE DEDUCTIBLE AMOUNT. NOTICE You can get protection through the MORTGAGEE National ional Flood d Insurance Program rance Program 1 Call your agent today! FLORENCE SAVINGS BANK THIS POLICY ISAOA /ATIMA 85 MAIN STREET FLOOD ovER ^ PO BOX 60700 0 FERIA FLORENCE MA 010620700 LOSS t9 ND SE FERIA V 697 / NFIP F -077 t4 /08) ENDORSEMENTS ATTACHED LIMIT PREMIUM HO -0003 04 -91 Special Form (INCL.) H0-0120 10 -99 Special Provisions (INCL.) HO -0496 04 -91 No Day Care Coverage (INCL.) CIC -907 04 -96 Policyholder Notification (INCL.) HO -0523 07 -97 Amendatory Nonrenewal End (INCL.) CIC 717 (3/92) INSURED COPY 1711 GEORGE BUTLER ADJUSTERS, INC. ADJUSTERS FOR INSURANCE COMPANIES 209 Park Avenue West Springfield, MA. 01089 (413) 781 2897 Springfield, MA Pittsfield, MA Worcester, MA Hartford, CT SO. Eastern, MA (413) 781-2897 (413) 442 -6328 (508) 754-4100 (860) 525-9034 (508) 758-6633 Fax # (413) 731 -5553 E -MAIL butler.adj @the- spa.com November 21, 2008 Finck & Perras Ins.Agcy. 63 Main Street Florence, MA 01060 COMPANY: Commerce Insurance Company POLICY NUMBER: H JW1925 CLAIM NUMBER: PVA505- MKVR04 RECEIVED] INSURED: Vanessa Bronson LOSS LOCATION: 54 Sandy Hill Rd. , Florence,MA DEC _ 2008 11/21/08 DESCRIPTION: PROPERTY -WATER OUR FILE NUMBER: BUT3 5 2 8 9 FINCK & PERRAS To Whom it May Concern: Our firm has been assigned to the above referenced claim. The following adjuster has been assigned to this claim: Peter E. Shea Your assistance in providing our office with the Policy Declaration as soon as possible would be appreciated. We will then be able to expedite the processing of this claim. (If you have previously sent this, please disregard this request). If you have any questions, please do not hesitate to call us. When our file is closed you will be advised of the final settlement. Very truly yours, Peter E. Shea Adjuster ** Please note: (We have /ave not received the Policy Declaratio'n-- -P-age""as of the above date.