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HomeMy WebLinkAboutClaimant30815317_SDM_MUNI DEMANDCITY OF PALM DESERT - - 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 Cl a i m : 0 1 - 0 0 9 - 2 2 1 3 4 6 Ty p e Da t e Am o u n t Ex p o s u r e Co v e r a g e Po l i c y Co v e r a g e Na m e Co s t T y p e St a t u s Us e r Pa y m e n t Re a s o n Co v e r a g e A on l y Co v e r a g e A on l y Pa y m e n t 09 / 0 9 / 2 0 2 5 $2 , 2 3 7 . 8 8 2 Co v e r a g e C - Pe r s o n a l Pr o p e r t y Co v e r a g e C - Pe r s o n a l Pr o p e r t y Lo s s C o s t Su b m i t t e d Ol i v i a Ba t a r a Ac t u a l Ca s h V a l u e Re s e r v e 09 / 0 9 / 2 0 2 5 $2 0 , 5 5 6 . 8 4 1 Co v e r a g e A - D w e l l i n g Co v e r a g e A - D w e l l i n g Lo s s C o s t Su b m i t t e d Ol i v i a Ba t a r a Re s e r v e 09 / 0 9 / 2 0 2 5 $1 0 , 4 2 9 . 8 7 3 Co v e r a g e B - O t h e r St r u c t u r e s Bl a n k e t Co v e r a g e B - O t h e r St r u c t u r e s Bl a n k e t Lo s s C o s t Su b m i t t e d Ol i v i a Ba t a r a Fi n a n c i a l s : C h e c k s Re q u e s t C h e c k / D r a f t C o p y Ch e c k Nu m b e r Pa y T o Pa y m e n t Me t h o d Pr e f e r r e d Pa y m e n t Ch o i c e Ne t Am o u n t Is s u e Da t e Sc h e d u l e d Se n d Da t e St a t u s Bu l k In v o i c e De d u c t i b l e Ap p l i e d Se r v i c e Pe r i o d St a r t Se r v i c e Pe r i o d En d Da t e o f Re c o n c i l i a t i o n 00 1 1 5 4 7 0 0 1 MI C H E L L E NE L S O N An d CH A M P I O N S FU N D I N G LL C I S O A O / AT I M A Ch e c k $3 9 , 4 2 6 . 4 8 09 / 0 9 / 2 0 2 5 09 / 0 9 / 2 0 2 5 Is s u e d $2 , 5 0 0 . 0 0 12 9 1 1 6 3 5 4 3 MI C H E L L E NE L S O N El e c t r o n i c fu n d s tr a n s f e r De b i t C a r d $2 , 2 3 7 . 8 8 09 / 0 9 / 2 0 2 5 09 / 0 9 / 2 0 2 5 Cl e a r e d - 09 / 0 9 / 2 0 2 5 Us e r : M i c h a e l a W i l s o n P a g e 4 7 S e p 1 6 , 2 0 2 5 9 : 3 6 A M  4 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 / 2 0 2 5