54 Grant Fire App1
Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
Insured:DANIELE GIRARDI & MARIAROSARIA CORBO Cell:(929) 250-9621
E-mail:dgirardi@umass.eduProperty:54 GRANT AVE
NORTHAMPTON, MA 01060-2322
Home:54 GRANT AVE
NORTHAMPTON, MA 01060-2322
Claim Number:042287538-01 Policy Number:H3121842103240 Type of Loss:Fire - Electrical
Date Contacted:4/7/2020 10:00 PM
Date of Loss:3/27/2020 Date Received:3/27/2020
Date Inspected:4/9/2020 11:00 AM Date Entered:4/7/2020 12:03 PM
Date Est. Completed:4/10/2020 1:19 PM
Price List:MASP8X_APR20
Restoration/Service/Remodel
Estimate:DANIELE_GIRA_ACT_1
In the following pages, you will find the estimated cost of covered repairs to your property.
For Dwelling and/or Other Structure items: The estimated cost of covered repairs to your home is calculated using current local
prices that are usual and customary. This estimate is based on the replacement cost of the damaged property, less your policy
deductible and any applicable depreciation.
Your current mortgage company may be listed as the payee on payment(s) for the covered repairs to your home. If so, you will
need to contact your mortgage company to determine their procedures for processing claims payments. The mortgage company
will not be listed on payments for your personal property.
We encourage you to work with a contractor of your choice in completing the repairs to your home. If you or your contractor has
any questions or concerns about this estimate, please contact me at the number shown above.It is important to call us with
questions prior to beginning repairs, as any changes in the scope of damages or pricing must be pre-approved by Liberty Mutual
Insurance.
For Personal Property items: Prices are calculated utilizing like, kind and quality goods, less any applicable depreciation, policy
limits, or other adjustments as outlined in the estimate. For your convenience, we can refer you to vendors who may be able to
directly replace many of your lost and/or damaged items.
If you have any questions about this estimate, please do not hesitate to contact us at the numbers provided above.
Thank you for insuring with Liberty Mutual Insurance. We appreciate your business.
2
Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 2
DANIELE_GIRA_ACT_1
Demolition
DESCRIPTION QTY UNIT PRICE TOTAL
1. General Demolition - per hour 16.00 HR @ 55.00 =880.00
3 men one day to demo roof on garage and siding.
2. Dumpster load - Approx. 30 yards, 5-7 tons of debris 1.00 EA @ 868.94 =868.94
The payment for this item has not yet been incurred.
Source - Eagle View
Mechanical
DESCRIPTION QTY UNIT PRICE TOTAL
3. Duct-free split system - 2 zone - High efficiency 1.00 EA @ 3,972.24 =3,972.24
4. Central air - condenser unit - 3 ton - up to 13 SEER 1.00 EA @ 1,784.64 =1,784.64
5. 220 volt commercial wiring/conduit, box, outlet, switch 1.00 EA @ 405.25 =405.25
6. Electrician - per hour 16.00 HR @ 90.21 =1,443.36
Additional labor to install equipment and new runs to exterior.
Exterior
Exterior
DESCRIPTION QTY UNIT PRICE TOTAL
7. Material Only Stud wall - 2" x 4" load bearing - 16" oc 32.00 SF @ 0.77 =24.64
8. Material Only Sheathing system w/ built-in barrier & taped seams -480.90 SF @ 1.57 =755.01
5/8"
9. Furring strip - 1" x 3"480.90 SF @ 0.88 =423.19
10. Carpenter - General Framer - per hour 32.00 HR @ 60.90 =1,948.80
2 Men 2 days to repair framing and install strapping.
11. Wet spray cellulose insulation - 4" - R13 480.90 SF @ 1.23 =591.51
12. Rigid foam insulation board - 2"480.90 SF @ 1.72 =827.15
13. Siding - vinyl 480.90 SF @ 3.58 =1,721.62
14. Vinyl outside corner post 50.00 LF @ 5.13 =256.50
15. Detach & Reset Siding - vinyl 176.00 SF @ 1.93 =339.68
Detach siding on the sides to reinstall corner post
16. Soffit & fascia - metal - 1' overhang 26.00 LF @ 10.25 =266.50
17. Detach & Reset Gutter / downspout - aluminum - up to 5"44.00 LF @ 3.78 =166.32
18. Vinyl window - double hung, 13-19 sf 2.00 EA @ 338.50 =677.00
19. Scaffold - per section (per week)6.00WK @ 49.28 =295.68
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Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 3
CONTINUED - Exterior
DESCRIPTION QTY UNIT PRICE TOTAL
20. Labor to set up and take down scaffold - per section 6.00 EA @ 28.60 =171.60
21. Clean with pressure/chemical spray 2,400.88 SF @ 0.29 =696.26
22. Carpenter - General Framer - per hour 4.00 HR @ 60.90 =243.60
To reassemble clothes hanging structure.
23. FRAMING & ROUGH CARPENTRY 1.00 EA @ 50.00 =50.00
Material for clothes hanging structure.
Garage
Garage
DESCRIPTION QTY UNIT PRICE TOTAL
24. Siding - vinyl 261.42 SF @ 3.58 =935.88
25. Soffit & fascia - metal - 1' overhang 25.00 LF @ 10.25 =256.25
26. Wood window - picture (fixed), 24-32 sf 1.00 EA @ 850.65 =850.65
27. Clean with pressure/chemical spray 506.92 SF @ 0.29 =147.01
Level 2
Nursery Height: 8'
Window 2' 6" X 4'Opens into Exterior
Window 2' 6" X 4'Opens into Exterior
Window 2' 6" X 4'Opens into Exterior
Window 2' 6" X 4'Opens into Exterior
Door 2' 6" X 6' 8"Opens into ROOM2
Subroom: Nursery Closet (1)Height: 8'
Door 3' 10" X 6' 8"Opens into NURSERY
Door 3' 10" X 6' 8"Opens into NURSERY
Door 3' 10" X 6' 8"Opens into NURSERY
DESCRIPTION QTY UNIT PRICE TOTAL
32. Window trim set (casing & stop)26.00 LF @ 4.37 =113.62
33. Paint door/window trim & jamb - 2 coats (per side)5.00 EA @ 31.60 =158.00
4
Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 4
CONTINUED - Nursery
DESCRIPTION QTY UNIT PRICE TOTAL
34. Seal/prime then paint the walls and ceiling (2 coats)758.00 SF @ 0.97 =735.26
35. Paint door slab only - 2 coats (per side)3.00 EA @ 37.22 =111.66
General
DESCRIPTION QTY UNIT PRICE TOTAL
36. Taxes, insurance, permits & fees (Bid Item)1.00 EA @ 250.00 =250.00
Initial allowance for permit processing. Actual cost will be supplemented.
37. Residential Supervision / Project Management - per hour 24.00 HR @ 65.19 =1,564.56
3 hours a week for 8 weeks
Grand Total Areas:
6,659.85 SF Walls 2,419.67 SF Ceiling SF Walls and Ceiling9,079.52
2,439.56 SF Floor 271.06 SY Flooring 796.84 LF Floor Perimeter
0.00 SF Long Wall 0.00 SF Short Wall 830.17 LF Ceil. Perimeter
2,439.56 Floor Area 2,628.99 Total Area 6,216.09 Interior Wall Area
7,011.47 Exterior Wall Area 421.29 Exterior Perimeter of
Walls
1,663.30 Surface Area 16.63 Number of Squares 261.31 Total Perimeter Length
66.03 Total Ridge Length 0.00 Total Hip Length
Coverage Item Total %ACV Total %
Dwelling 20,873.65 90.51%23,649.25 90.35%
Contents 0.00 0.00%0.00 0.00%
Other Structures 2,189.79 9.49%2,527.05 9.65%
Loss of Use 0.00 0.00%0.00 0.00%
Total 23,063.44 100.00%26,176.30 100.00%
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Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 5
Summary for Dwelling
Line Item Total 20,873.65
Material Sales Tax 534.72
Subtotal 21,408.37
Overhead 2,140.84
Profit 2,140.84
Replacement Cost Value $25,690.05
Less Depreciation (2,040.80)
Actual Cash Value $23,649.25
Net Claim $23,649.25
Total Recoverable Depreciation 2,040.80
Total Paid When Incurred 1,042.72
Net Claim if Additional Amounts are Recovered $26,732.77
Additional Amounts include depreciation that has been recovered and Paid When Incurred (PWI) items. Paid When Incurred (PWI)
items refer to items, which may not be necessary in the repair of your property damaged by a covered loss. If incurred, or completed,
reimbursement of reasonable costs will be made up to the maximum amounts identified as eligible for PWI in the estimate.
Dwelling Paid When Incurred
Line Item Total 868.94
Overhead 86.89
Profit 86.89
Replacement Cost Value $1,042.72
Total Paid When Incurred $1,042.72
6
Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 6
Summary for Other Structures
Line Item Total 2,189.79
Material Sales Tax 79.30
Subtotal 2,269.09
Overhead 226.92
Profit 226.92
Replacement Cost Value $2,722.93
Less Depreciation (195.88)
Actual Cash Value $2,527.05
Net Claim $2,527.05
Total Recoverable Depreciation 195.88
Net Claim if Depreciation is Recovered $2,722.93
7
Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 7
Recap of Taxes, Overhead and Profit
Overhead (10%)Profit (10%)Material Sales Tax Clothing Sales Tax Storage Tax (6.25%)
(6.25%)(6.25%)
Line Items 2,367.76 2,367.76 614.02 0.00 0.00
Total 2,367.76 2,367.76 614.02 0.00 0.00
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Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 8
Recap by Room
Estimate: DANIELE_GIRA_ACT_1
Demolition 880.00 3.82%
Coverage: Dwelling 100.00% =880.00
Area: Source - Eagle View
Mechanical 7,605.49 32.98%
Coverage: Dwelling 100.00% =7,605.49
Area: Exterior 9,455.06 41.00%
Coverage: Dwelling 100.00% =9,455.06
Area Subtotal: Exterior 41.00%9,455.06
Coverage: Dwelling 100.00% =9,455.06
Area: Garage 2,189.79 9.49%
Coverage: Other Structures 100.00% =2,189.79
Area Subtotal: Garage 9.49%2,189.79
Coverage: Other Structures 100.00% =2,189.79
Area: Level 2
Nursery 1,118.54 4.85%
Coverage: Dwelling 100.00% =1,118.54
Area Subtotal: Level 2 4.85%1,118.54
Coverage: Dwelling 100.00% =1,118.54
Area Subtotal: Source - Eagle View 88.32%20,368.88
Coverage: Dwelling 89.25% =18,179.09
Coverage: Other Structures 10.75% =2,189.79
General 1,814.56 7.87%
Coverage: Dwelling 100.00% =1,814.56
Subtotal of Areas 100.00%23,063.44
Coverage: Dwelling 90.51% =20,873.65
Coverage: Other Structures 9.49% =2,189.79
Total 23,063.44 100.00%
9
Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 9
Recap by Category with Depreciation
O&P Items RCV Deprec.ACV
CLEANING 843.27 843.27
Coverage: Dwelling @ 82.57% =696.26
Coverage: Other Structures @ 17.43% =147.01
GENERAL DEMOLITION 880.00 880.00
Coverage: Dwelling @ 100.00% =880.00
ELECTRICAL 1,848.61 12.16 1,836.45
Coverage: Dwelling @ 100.00% =1,848.61
PERMITS AND FEES 250.00 250.00
Coverage: Dwelling @ 100.00% =250.00
FINISH CARPENTRY / TRIMWORK 113.62 2.27 111.35
Coverage: Dwelling @ 100.00% =113.62
FRAMING & ROUGH CARPENTRY 3,445.24 24.05 3,421.19
Coverage: Dwelling @ 100.00% =3,445.24
HEAT, VENT & AIR CONDITIONING 5,756.88 1,151.38 4,605.50
Coverage: Dwelling @ 100.00% =5,756.88
INSULATION 1,418.66 34.29 1,384.37
Coverage: Dwelling @ 100.00% =1,418.66
LABOR ONLY 1,564.56 1,564.56
Coverage: Dwelling @ 100.00% =1,564.56
PAINTING 1,004.92 200.98 803.94
Coverage: Dwelling @ 100.00% =1,004.92
SCAFFOLDING 467.28 467.28
Coverage: Dwelling @ 100.00% =467.28
SIDING 3,253.68 174.84 3,078.84
Coverage: Dwelling @ 71.24% =2,317.80
Coverage: Other Structures @ 28.76% =935.88
SOFFIT, FASCIA, & GUTTER 689.07 31.37 657.70
Coverage: Dwelling @ 62.81% =432.82
Coverage: Other Structures @ 37.19% =256.25
WINDOWS - VINYL 677.00 67.70 609.30
Coverage: Dwelling @ 100.00% =677.00
WINDOWS - WOOD 850.65 85.07 765.58
Coverage: Other Structures @ 100.00% =850.65
O&P Items Subtotal 23,063.44 1,784.11 21,279.33
Material Sales Tax 614.02 79.85 534.17
Coverage: Dwelling @ 87.09% =534.72
Coverage: Other Structures @ 12.91% =79.30
Overhead 2,367.76 186.36 2,181.40
Coverage: Dwelling @ 90.42% =2,140.84
Coverage: Other Structures @ 9.58% =226.92
Profit 2,367.76 186.36 2,181.40
Coverage: Dwelling @ 90.42% =2,140.84
10
Liberty Mutual Insurance
PO Box 515097
Los Angeles, CA 90051-5097
Fax: (888) 268-8840
DANIELE_GIRA_ACT_1 4/17/2020 Page: 10
Coverage: Other Structures @ 9.58% =226.92
Total 28,412.98 2,236.68 26,176.30
Any person who knowingly, and with the intent to injure, defraud or deceive, submits information to an insurer that is false,
incomplete or misleading, may be guilty of a crime.
11DANIELE_GIRA_ACT_14/17/2020Page: 11Source - Eagle View - BasementBasementBasement19' 2"19' 10"22' 4"23'17' 3"17' 11"24' 7"24' 7"1' 11"1' 11"2' 6"1' 10"9'8' 3"8' 3"22' 1"22' 9"
12DANIELE_GIRA_ACT_14/17/2020Page: 12Source - Eagle View - First FloorUpUpRoom 3OfficeRear EntryKitchenBathroomClosetLiving RoomStairsFirst Floor1' 10"2'8' 9"10'10' 6"8' 11"9' 5"3' 8"3'3' 11"3' 4"3' 4"2' 4"8' 5"8' 11"3' 2"12' 7"12' 11"6' 5"6' 9"12' 8"22' 11"9' 3"9' 7"4' 7"9' 4"4' 3"5' 4"5'9' 8"10'2' 6"1' 11"1' 9"3' 3"3' 1"3' 7"13' 10"14' 4"11' 11"9"7"9' 3"9' 1"11' 3"12' 9"24' 8"3' 1"9' 3"6' 4"3' 10"3' 6"3' 10"1' 4"6' 2"6' 6"1' 4"3' 9"3' 7"
13DANIELE_GIRA_ACT_14/17/2020Page: 13Source - Eagle View - Level 2NurseryOfficeMB ClosetMaster BedroomHallwayPlay Area/RoomBathroomNursery Closet (1)Level 212'12' 6"9'9' 6"11' 2"11' 8"1' 10"15' 1"17' 11"9' 10"7' 1"3' 6"3' 11"3' 11"4'4' 7"3'10' 5"10' 3"6' 4"6' 2"13' 1"12' 11"3' 7"4' 1"1' 11"10'3' 11"3' 10"3' 3"3' 7"6'3' 11"6' 11"6' 7"1' 1"16' 10"17' 4"2' 6"2'6' 5"5' 3"8' 4"
14DANIELE_GIRA_ACT_14/17/2020Page: 14Source - Eagle View - Exterior(A)F8(B)F9House(A)F4(B)F5Exterior24' 11"13' 3"11' 1"13' 3"11' 1"22' 1"25' 8"1' 2"1'27' 2"12' 1"10' 1"12' 1"10' 1"20' 1"
15DANIELE_GIRA_ACT_14/17/2020Page: 15Source - Eagle View - GarageGarage Roof(A)F6(B)F7Garage15' 6"15'12' 6"9' 7"8'20' 6"
PAUL DAVIS RESTORATION OF WORCESTER COUNTY
Boyne River Companies,Inc.
dba Paul Davis Restoration of Worcester County
547 Hartford Turnpike
Shrewsbury,MA 01545
(508)841-PAUL
worcester.pauldavis.com
WORK AUTHORIZATION
We authorize Boyne River Companies,Inc dba Paul Davis Restoration of Worcester County,herein-after referred to as Contractor,to make repairs to
our property at the address below,damaged by Fire on or about .The “Terms and Conditions”attached to this page are a part of this authorization.
We agree that the total cost of the work will be in accordance with the original estimate and any supplemental estimates prepared by Contractor and
approved by the adjuster for your insurance company,if applicable,plus any change orders approved by Owner(s)and Contractor.
This work authorization,along with all approved estimates,supplemental estimates and change orders shall constitute the contractual obligations of the
Owner(s)and Contractor.
We understand that Contractor is not an agent or representative of your insurance company or its adjuster and that we alone have the authority to
authorize Contractor to make said repairs.We understand that this does not bind the insurance company and in the event that there is no coverage
then we agree to pay the invoice(s)submitted for the work done by the contractor.
We agree that any portion of work,such as deductibles,betterment,depreciation,or additional work requested by us,not covered by insurance,must
be paid by us on commencement or as per payment schedule.
Our mortgage payments are made to and we request them to protect the interest of Contractor in handling the loss draft or check.
Our insurance company is and we authorize them to pay all proceeds due to Contractor payable under our policy directly to Contractor and any
Mortgage Company named.If our names are included on the payment(s);we agree to promptly endorse said payment to Mortgage Company or into an
escrow account in a bank acceptable to Contractor.Payments to be as follows:
50%Initial Payment (Due before work start)
50%Final Payment (Due at signing of Certificate of Satisfaction)
We agree that any payments not made in accordance with this schedule shall be considered delinquent after ten days and agree to pay interest thereon
at 1 ½%per month or 18%per annum until paid.
By signing this document you are providing consent for us to collect and store your personal information.It will only be used or shared in connection
with the completion of work under this contract.Information may be shared with a third-party for the purposes of quality surveys and service
improvements on the work performed.No information is used or shared with any outside parties for the purposes of marketing to you.
Due to the nature of the work,no completion date is specified.No verbal agreements are binding on Contractor.
Owner’s Name:Daniele Girardi Owner:
Loss Address:54 Grant Ave,Northampton,MA,USA,01060
Phone:1-929-250-9621
Boyne River Companies,Inc.dba Paul Davis Restoration of Worcester County
TERMS AND CONDITIONS
1.The repairs,replacement,or additions authorized herein relate to the specifications on the front page of this contract,or those attached hereto,do
not cover pre-existing deficiencies unless specifically stated.
2.Items which will not clean,which shrink or discolor as a result of cleaning,or are damaged by dry-rot or sun fading are not guaranteed,and
Contractor shall not bear any responsibility for their loss or damage.
3.All materials used will be standard stock materials,unless otherwise specified,and will match existing materials within reasonable tolerance as to
color,texture,design,etc.
4.All painting is estimated to return existing paint to same color.Any changes in color or type of material will be done at extra cost to the Owner(s).
5.The contract price is based on completion during normal working hours and Owner(s)agree to provide access to the job site as required for
completion of the work.Owner’s telephone,electricity,water and toilet are to be made available to Contractor’s personnel during the course of the
work.
6.Any work deleted from this Work Authorization,original approved estimates,supplemental estimates and/or change orders must be agreed to by
both the Owner(s)and Contractor in writing and the Owner(s)will be reimbursed for such work in an amount equal to Contractor’s projected cost on said
work.
7.Contractor is not responsible for the theft,disappearance of or damage to jewelry,art objects,silver,gold,antiques or personal items and Owner(s)
agrees to remove,store,or protect such items,unless those items are removed and inventoried by Contractor personnel and stored in Contractor
facilities.
8.Contractor is not responsible for any cracks or damage to Owner’s driveway that may result from the use of a trash dumpster.
9.Contractor guarantees all workmanship covered by this work authorization for a period of one (1)year from date of use by Owner(s).All materials
used are covered by the normal guarantees,if any,provided by the manufacturers or suppliers.
10.In the event it becomes necessary for Contractor to turn this matter over to its attorney for collection,Owner(s)agrees to pay attorney’s fees and
court cost as incurred for such collection.
11.Contractor has no responsibility for additional work or services performed under any agreement between the Owner(s)and the workmen or
subcontractors or Contractor.
12.Guarantee void if payment(s)are not made as to the terms of the contract.
13.If repairs or alterations have been made or attempted on any guaranteed items by anyone other than Contractor,this guarantee shall become void.
14.A Lien may be placed on this property for non-payment,for which a $300.00 charge will be made to defray the cost of filing