HomeMy WebLinkAboutClaimant30815317_SDM_MUNI DEMANDCITY OF PALM DESERT
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NORMAL, IL 61761
September 19, 2025
Our Client: HOMESITE INSURANCE COMPANY
Client Claim: 01-009-221346
Wilber File: 30815317
Our Insured: NELSON, MICHELLE
Subrogation Amount: $44164.36
Loss Date: 08/29/2025
Dear -:
This matter requires your immediate attention.
Be advised that our client's claim has been referred to our office. Our client had to compensate their
insured for the loss which occurred on the above referenced date, wherein UNKNOWN was
determined to be at fault for this loss.
We would like to discuss this matter with the appropriate representative at your office. If a particular
person or department is handling this matter, please provide us with their contact information.
Attached are the documents to support our demand for payment. If you need any additional information
to issue the payment, please advise what is still required. Please note our payment instructions below:
1. Make the check payable to our client, HOMESITE INSURANCE COMPANY
2. Reference the Wilber file number, 30815317 , on the check; and
3. Mail your check to Wilber at the address noted below.
Thank you,
Steven Watts
Wilber
210 Landmark Drive
Normal, IL 61761
800-313-5169 ext. 3330
SWatts@wilbergroup.com
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MICHELLE_NELSON7 9/8/2025 Page: 4
Insured: MICHELLE NELSON Phone: (760) 422-9666
74225 Candlewood St
Palm Desert, CA 92260-4821
Claim Rep.: Olivia Batara
Estimator: Olivia Batara
Claim Number:01009221346 Policy Number:42898238 Type of Loss:Other
Coverage Deductible Policy Limit
Coverage A - Dwelling $2,500.00 $600,000.00
Coverage B - Other Structures Blanket $0.00 $60,000.00
Coverage C - Personal Property $0.00 $300,000.00
Coverage D - Loss Of Use $0.00 $120,000.00
Trees, shrubs and other plants $0.00 $30,000.00
Date Contacted: 9/8/2025 12:46 PM
Date of Loss: 8/29/2025 11:00 AM
Price List: CAPP8X_AUG25
Restoration/Service/Remodel
Sales Taxes: Material Sales Tax @ 8.750%
Storage Rental Tax @ 8.750%
5
MICHELLE_NELSON7 9/8/2025 Page: 5
Estimate Recap For Coverage A - Dwelling
Recoverable Non-recoverable
Description RCV ACVDepreciationDepreciation
MICHELLE_NELSON7 19,200.00 1.44 0.00 19,198.56
Windows 576.56 139.28 0.00 437.28
Electrical 3,400.00 0.00 0.00 3,400.00
Clean up fees 800.00 0.00 0.00 800.00
Plumbing 2,500.00 0.00 0.00 2,500.00
26,476.56 140.72 0.00 26,335.84
Estimate Recap For Coverage B - Other Structures Blanket
Recoverable Non-recoverable
Description RCV ACVDepreciationDepreciation
Gate 13,527.92 0.00 89.05 13,438.87
13,527.92 0.00 89.05 13,438.87
Estimate Recap For Coverage C - Personal Property
Recoverable Non-recoverable
Description RCV ACVDepreciationDepreciation
Personal Property 2,326.39 88.63 0.00 2,237.76
2,326.39 88.63 0.00 2,237.76
Estimate Recap For Trees, shrubs and other plants
Recoverable Non-recoverable
Description RCV ACVDepreciationDepreciation
Plants 2,151.77 0.00 0.00 2,151.77
6
MICHELLE_NELSON7 9/8/2025 Page: 6
2,151.77 0.00 0.00 2,151.77
7
MICHELLE_NELSON7 9/8/2025 Page: 7
MICHELLE_NELSON7
MICHELLE_NELSON7
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
1. CONCRETE DRIVEWAY *
1.00 SF 19,200.00 0.00 19,200.00 10/50 yrs Avg. 20% (1.44) 19,198.56
Total: MICHELLE_NELSON7 0.00 19,200.00 1.44 19,198.56
Gate
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
2. ELECTRIC GATE *
1.00 EA 12,500.00 77.92 12,577.92 1/10 yrs Avg. 10% <89.05> 12,488.87
3. Haul debris - per pickup truck load - including dump fees
1.00 EA 950.00 0.00 950.00 0/NA Avg. NA (0.00) 950.00
Haul away and dispose metal fencing / welding old gate off
Totals: Gate 77.92 13,527.92 89.05 13,438.87
Windows
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
4. Vinyl window - casement, 9-13 sf
1.00 EA 540.00 36.56 576.56 10/30 yrs Avg. 33.33% (139.28) 437.28
Totals: Windows 36.56 576.56 139.28 437.28
Electrical
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
5. EMERGENCY ELECTRICAL CALL*
1.00 EA 3,400.00 0.00 3,400.00 0/NA Avg. 0% (0.00) 3,400.00
Totals: Electrical 0.00 3,400.00 0.00 3,400.00
Clean up fees
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
6. General clean - up
1.00 HR 800.00 0.00 800.00 0/NA Avg. 0% (0.00) 800.00
Totals: Clean up fees 0.00 800.00 0.00 800.00
8
MICHELLE_NELSON7 9/8/2025 Page: 8
Plumbing
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
7. Plumbing (Agreed Price)
1.00 EA 2,500.00 0.00 2,500.00 0/NA Avg. 0% (0.00) 2,500.00
Totals: Plumbing 0.00 2,500.00 0.00 2,500.00
Personal Property
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
8. AREA RUG*
1.00 SF 3.31 0.20 3.51 0.2/10 yrs Avg. 2% (0.05) 3.46
9. 21 Inch Artificial Topiary Boxwood Ball Trees – Decorative Fake Greenery in Planter Pots, Set of 2, TREE37WB21
1.00 EA 365.99 32.02 398.01 0.25/10 yrs Avg. 2.5% (9.15) 388.86
Wayfair - 8/24/2025
10. K-3500 Single Serve Cup black Commercial Coffee Maker with touch screen, 5000204773
1.00 EA 1,150.00 100.63 1,250.63 0.5/10 yrs Avg. 5% (57.50) 1,193.13
The Home Depot - 9/3/2025
11. Trash Can, P1242NKBEP2
1.00 EA 256.99 22.49 279.48 0.5/10 yrs Avg. 5% (12.85) 266.63
Wayfair - 8/24/2025
12. End Table, P301726A
1.00 EA 363.00 31.76 394.76 0.5/20 yrs Avg. 2.5% (9.08) 385.68
Perigold - 8/29/2025
Totals: Personal Property 187.10 2,326.39 88.63 2,237.76
Plants
QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV
13. Lawn - sod
1.00 SF 2,000.00 0.05 2,000.05 0.5/NA Avg. 0% (0.00) 2,000.05
14. Plants - shrubs - deciduous - 1 gallon
1.00 EA 150.00 1.72 151.72 0/NA Avg. 0% (0.00) 151.72
Totals: Plants 1.77 2,151.77 0.00 2,151.77
Line Item Totals: MICHELLE_ 303.35 44,482.64 318.40 44,164.24
NELSON7
[%] - Indicates that depreciate by percent was used for this item
[M] - Indicates that the depreciation percentage was limited by the maximum allowable depreciation for this item
9
MICHELLE_NELSON7 9/8/2025 Page: 9
Additional Charges Charge
California Carpet Stewardship Assessment Fee 0.12
Additional Charges Total $0.12
Coverage Item Total % ACV Total %
Coverage A - Dwelling 26,476.56 59.52% 26,335.84 59.63%
Coverage B - Other Structures Blanket 13,527.92 30.41% 13,438.87 30.43%
Coverage C - Personal Property 2,326.39 5.23% 2,237.88 5.07%
Coverage D - Loss Of Use 0.00 0.00% 0.00 0.00%
Trees, shrubs and other plants 2,151.77 4.84% 2,151.77 4.87%
Total 44,482.64 100.00% 44,164.36 100.00%
10
MICHELLE_NELSON7 9/8/2025 Page: 10
Summary for Coverage A - Dwelling
Line Item Total 26,440.00
Material Sales Tax 36.56
Replacement Cost Value $26,476.56
Less Depreciation (140.72)
Actual Cash Value $26,335.84
Less Deductible (2,500.00)
Net Claim $23,835.84
Total Recoverable Depreciation 140.72
Net Claim if Depreciation is Recovered $23,976.56
Olivia Batara
11
MICHELLE_NELSON7 9/8/2025 Page: 11
Summary for Coverage B - Other Structures Blanket
Line Item Total 13,450.00
Material Sales Tax 77.92
Replacement Cost Value $13,527.92
Less Non-recoverable Depreciation <89.05>
Actual Cash Value $13,438.87
Net Claim $13,438.87
Olivia Batara
12
MICHELLE_NELSON7 9/8/2025 Page: 12
Summary for Coverage C - Personal Property
Line Item Total 2,139.29
California Carpet Stewardship Assessment Fee 0.12
Material Sales Tax 187.10
Replacement Cost Value $2,326.51
Less Depreciation (88.63)
Actual Cash Value $2,237.88
Net Claim $2,237.88
Total Recoverable Depreciation 88.63
Net Claim if Depreciation is Recovered $2,326.51
Olivia Batara
13
MICHELLE_NELSON7 9/8/2025 Page: 13
Summary for Trees, shrubs and other plants
Line Item Total 2,150.00
Material Sales Tax 1.77
Replacement Cost Value $2,151.77
Net Claim $2,151.77
Olivia Batara
14
MICHELLE_NELSON7 9/8/2025 Page: 14
Recap of Taxes
Material Sales Tax (8.75%) Storage Rental Tax (8.75%)
Line Items 303.35 0.00
Additional Charges 0.00 0.00
Total 303.35 0.00
15
MICHELLE_NELSON7 9/8/2025 Page: 15
Recap by Room
Estimate: MICHELLE_NELSON7 19,200.00 43.46%
Coverage: Coverage A - Dwelling 100.00% = 19,200.00
Gate 13,450.00 30.44%
Coverage: Coverage B - Other Structures Blanket 100.00% = 13,450.00
Windows 540.00 1.22%
Coverage: Coverage A - Dwelling 100.00% = 540.00
Electrical 3,400.00 7.70%
Coverage: Coverage A - Dwelling 100.00% = 3,400.00
Clean up fees 800.00 1.81%
Coverage: Coverage A - Dwelling 100.00% = 800.00
Plumbing 2,500.00 5.66%
Coverage: Coverage A - Dwelling 100.00% = 2,500.00
Personal Property 2,139.29 4.84%
Coverage: Coverage C - Personal Property 100.00% = 2,139.29
Plants 2,150.00 4.87%
Coverage: Trees, shrubs and other plants 100.00% = 2,150.00
Subtotal of Areas 100.00%44,179.29
Coverage: Coverage A - Dwelling 59.85% = 26,440.00
Coverage: Coverage B - Other Structures Blanket 30.44% = 13,450.00
Coverage: Coverage C - Personal Property 4.84% = 2,139.29
Coverage: Trees, shrubs and other plants 4.87% = 2,150.00
Total 44,179.29 100.00%
16
MICHELLE_NELSON7 9/8/2025 Page: 16
Recap by Category with Depreciation
Items RCV Deprec. ACV
SMALL APPLIANCES 1,150.00 57.50 1,092.50
Coverage: Coverage C - Personal Property @ 100.00% = 1,150.00
CLEANING 800.00 800.00
Coverage: Coverage A - Dwelling @ 100.00% = 800.00
CONCRETE & ASPHALT 19,200.00 1.44 19,198.56
Coverage: Coverage A - Dwelling @ 100.00% = 19,200.00
GENERAL DEMOLITION 950.00 950.00
Coverage: Coverage B - Other Structures @ 100.00% = 950.00
Blanket
ELECTRICAL 3,400.00 3,400.00
Coverage: Coverage A - Dwelling @ 100.00% = 3,400.00
FLOOR COVERING - CARPET 3.31 0.05 3.26
Coverage: Coverage C - Personal Property @ 100.00% = 3.31
FENCING 12,500.00 89.05 12,410.95
Coverage: Coverage B - Other Structures @ 100.00% = 12,500.00
Blanket
FURNITURE - HOME & OFFICE 363.00 9.08 353.92
Coverage: Coverage C - Personal Property @ 100.00% = 363.00
HOUSEWARES - HOME DECOR 622.98 22.00 600.98
Coverage: Coverage C - Personal Property @ 100.00% = 622.98
LANDSCAPING 2,150.00 2,150.00
Coverage: Trees, shrubs and other plants @ 100.00% = 2,150.00
PLUMBING 2,500.00 2,500.00
Coverage: Coverage A - Dwelling @ 100.00% = 2,500.00
WINDOWS - VINYL 540.00 139.28 400.72
Coverage: Coverage A - Dwelling @ 100.00% = 540.00
Subtotal 44,179.29 318.40 43,860.89
Permits and Fees 0.12 0.12
Coverage: Coverage C - Personal Property @ 100.00% = 0.12
Material Sales Tax 303.35 303.35
Coverage: Coverage A - Dwelling @ 12.05% = 36.56
Coverage: Coverage B - Other Structures @ 25.69% = 77.92
Blanket
Coverage: Coverage C - Personal Property @ 61.68% = 187.10
Coverage: Trees, shrubs and other plants @ 0.58% = 1.77
Total 44,482.76 318.40 44,164.36
EE SSS TT I
79974 Trinidad Dr
Bermuda Dunes, CA 92203
Jeì@jawsconcrete.com
+1 (760) 841-5297
https://www.jawsconcrete.com
Michelle Nelson
74225 candlewood street Palm Desert Ca
92260 US
Estimate date: 09/03/2025
#Product or service Description Amount
1.Materials, setup, safety measures, temporary utilities,
project management personnel, and waste disposal
$0.00
2.The following exclusions apply to our scope of work for
this project:
Permits & Fees, Engineering & Design, Unforseen
Conditions, Utility Relocation, Testing & Inspection, Site
security & temporary facilities, weather delays, owner-
supplied materials, landscaping and restoration,ínal
cleaning beyond construction debris removal. Filling of
or any septic tank issues/work
$0.00
3.Demo front driveway and walkway concrete app.17’ x
75’. Sawcut existing concrete around metal fence/gates.
Concrete next to fence/gate and gate openers must stay
to prevent damage to gate system. Old septic system
issues will be addressed during/after demo if necessary
and may lead to further work/cost and delay in pour
back. Pour new gray, broom ínished concrete back.
$19,200.00
Note to customer
Thank you for considering JAWS Concrete and Masonry for your
project. Please review the estimate and reach out to us if there
are any questions or changes you'd like to make. Please accept
the estimate if you are ready to move forward.
Bill To
MICHELLE NELSON
74225 CANDLEWOOD STREET
PALM DESERT CA
CONTACT # (760) 422-9666
Description Amount
BROKEN GLASS REPLACEMENT- FIXED SIDE X(O)
WHITE VINYL WINDOW
DOUBLE PANE 3/4 OA IG UNIT
CLEAR / CLEAR
ANNEALED GLASS
(1) 34 X 46
SATURDAY AFTER HOURS
CONTRACT AMOUNT INSTALLED
540.00
Date
08/30/25
Subtotal $540.00
GLASS & MIRROR PRO’s INC.
Residential & Commercial
MAILING ADDRESS ONLY -
68431 SANTIAGO RD
CATHEDRAL CITY CA 92234.
BUSINESS PHONE # (760) 333-5101
EMAIL- GLASSANDMIRROR2014@YAHOO.COM
WEBSITE- GLASSANDMIRRORPRO.COM
Order P.O #
If you have any
Questions Please
Contact us, We Thank
you for your Business.
C-17 LIC # 1037312
Invoice #
4269
PAPPID
8/30
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