Claim #168053AB
Damage Summary & Estimates
Detailed cost estimates by damage category. All estimates are preliminary and subject to formal contractor quotes. Total claim range is well within the Coverage A $500,000 dwelling limit.
Coverage A Limit
$500,000
Dwelling (full limit)
Total Claim (Low)
$155,500
Conservative estimate
Total Claim (High)
$322,900
Comprehensive estimate
Deductible
$5,000
Per Coverage A
Coverage A Damage Estimates by Category
Low and high estimate ranges by repair category. Log cabin construction adds 15-30% premium to standard repair costs.
Coverage Allocation
How the claim uses available policy coverages (low estimates)
Estimate Detail by Category
Coverage C - Personal Property
Limit: $30,000
Coverage D/E - Fair Rental Value
Conservative (90 days)
$10,800
Moderate (120 days)
$21,000
High (180 days)
$40,500
Estimate: $15,000-$35,000
Limit: $50,000
Demand Position
Initial Demand
$175,000
Negotiation Range
$150,000-$225,000
Subject to formal contractor quotes and inspection findings.
Notes for Adjuster Review
Log Cabin Construction Premium
Log homes cost 15-30% more to repair than conventional construction. Specialized materials and skilled labor are required. Standard drywall methods cannot be used on log walls.
Vacation Rental Standards
Property must be restored to rentable condition with appropriate finish quality. Lost rental income is a significant component of the total claim.
Hidden Damage
Estimates may increase upon inspection as hidden damage is discovered during demolition, including potential structural compromise beyond visible areas and extended mold growth.
Formal Quotes Pending
1 verbal roofing estimate received. 2 formal estimates being obtained. All estimates subject to verification through detailed scope development at inspection.