If you have any questions, please contact me at (913)

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Toll Free: (800) 435-7764 Fax: (877) 217-1389

Email: myclaim@farmersinsurance.com

Please include your claim # on any correspondence National Document Center

P.O. Box 268994

Oklahoma City, OK 73126-8994

December 13, 2021 DANIEL VOLK 23160 CONRAD AVE

HAMPTON MN 55031-9642

RE: Insured: Elisa Volk

Claim Number: 7003082718-1-2

Policy Number: 0326263655

Loss Date: 07/14/2020

Location of Loss: 23160 Conrad Ave, Hampton, MN

Subject: We are closing your claim

Dear Daniel Volk:

Thank you for choosing us to provide for your insurance needs. We value you as a customer and appreciate the opportunity to be of service.

As we discussed, we received an estimate from your contractor, Beau's Roofing LLC, which was higher than our original estimate. Your contractors estimate is not itemized, detailing the quantities or unit prices for each item to be able to compare any differences. I reached out to your contractor multiple times to discuss any potential differences. At this time, I'm unable to support your contractors pricing. If your contractor would like to provide support in the future, I will be happy to review accordingly. If you would like to submit a second estimate for price support, I will also be happy to review.

The policy provides that after a loss, you should protect your property from further damage. Please keep all receipts for emergency repairs or other expenses related to minimizing further damage.

We reserve all rights and defenses under the policy and law and no activity on our part should be construed as a waiver. Even though only parts of the policy may be mentioned or quoted in this letter, additional portions if found to be relevant will be applied.

Please note there are time limits set forth in the Conditions (“Suit Against Us” or “Legal Action Against Us”) section of the policy which, depending on your state, may affect the time within which you may pursue your claim. This period may have been extended by statute or case law.

If you have any questions, please contact me at (913) 227-2524.

Thank you.

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Craig Rowland

Special Office Claims Representative (913) 227-2524

Truck Insurance Exchange

At this time, I can be reached by telephone and e-mail; my phone number and email address have not changed. Email communications are preferred to avoid any potential delays caused by mailing. If you are unable to use email and hard copies of communications are required, they may be sent to our National Document Center at P.O. Box 268994, Oklahoma City, OK 73126-8994. We are unable to receive deliveries at any office location from FedEx, UPS or any other courier at this time.

CC: ZACHARY E BURKE Enclosure(s):

Estimate/Invoice - Correspondence -

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Toll Free: (800) 435-7764 Fax: (877) 217-1389

Email: myclaim@farmersinsurance.com National Document Center

P.O. Box 268994

September 20, 2021 ELISA & DANIEL VOLK 23160 CONRAD AVE

HAMPTON MN 55031-9642

RE: Insured: Elisa Volk and Daniel Volk

Claim Number: 7003082718-1

Policy Number: 0326263655

Loss Date: 07/14/2020

Location of Loss: 23160 Conrad Ave, Hampton, MN

Subject: Settlement Notice

Dear Ms. Volk and Mr. Volk:

Thank you for choosing us to provide for your insurance needs. We value you as a customer and appreciate the opportunity to be of service. I've enclosed your payment.

The following table of information outlines your claim settlement.

Line of Coverage Building

Replacement Cost $14,169.47

Less: Depreciation $10,025.40

Actual Cash Value $4,144.07

Less: Policy Deductible $1,450.00

Settlement Amount $2,694.07

As we discussed, this payment is for the actual cash value of your claim less your deductible. Actual cash value is based on replacement cost less any applicable depreciation for age, useful life and condition. Labor, taxes and other fees and expenses have also been depreciated if not prohibited by your state. To recover depreciation, please send me a copy of any invoices or receipts that demonstrate replacement or repairs. We believe our estimate reflects the reasonable cost necessary to repair or replace the covered damages. Please let me know immediately if you disagree. I'll reimburse you for the full replacement cost reasonably paid to repair or replace the covered damages or any applicable policy limits. If you intend to recover withheld depreciation, you must submit a copy of your invoices or receipts within 365 days from the date of our first Actual Cash Value payment, or by September 20, 2022. While some policies may provide less than 365 days to submit a copy of your invoices or receipts, we are extending this time period to 365 days from the date of the first ACV payment.

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Any deductible amount will be applied according to policy provisions. However, we've applied your declining deductible award of $50 to your policy deductible of $1,500, which reduces your deductible for this claim to

$1,450.

The policy provides that after a loss, you should protect your property from further damage. Please keep all receipts for emergency repairs or other expenses related to minimizing further damage.

We reserve all rights and defenses under the policy and law and no activity on our part should be construed as a waiver. Even though only parts of the policy may be mentioned or quoted in this letter, additional portions if found to be relevant will be applied.

Please note there are time limits set forth in the Conditions (“Suit Against Us” or “Legal Action Against Us”) section of the policy which, depending on your state, may affect the time within which you may pursue your claim. This period may have been extended by statute or case law.

We encourage you to visit www.farmers.com to learn more about our self-service options available to you, including the ability to view your claim status, upload documents and photos and find local service providers.

If you have any questions, please contact me at 636-235-2159.

Thank you.

Truck Insurance Exchange

Dorothy Coletti

Special Field Claims Representative dorothy.coletti@farmersinsurance.com (636) 235-2159

COVID-19 Notice – In light of the national health emergency, I am currently working from home. I can be reached by telephone and e-mail; my phone number and email address have not changed. E-mail communications are preferred to avoid any potential delays caused by mailing. If you are unable to email and hard copies of communications are required, they may be sent to our National Document Center at P.O. Box 268994, Oklahoma City, OK 73126-8994. We are unable to receive deliveries at any location from FedEx, UPS or any other courier at this time, as our claims office locations have been temporarily closed.

CC: ZACHARY E BURKE Check(s): 1631010084

Enclosure(s):

Estimate/Invoice -

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Truck Insurance Exchange

PO Box 268994

Oklahoma City, OK 73126-8994 Toll Free Phone 1-800-435-7764 Toll Free Fax 1-877-217-1389 myclaim@farmersinsurance.com

Insured: ELISA VOLK & DANIEL VOLK E-mail: DVEV05@GMAIL.COM

Property: 23160 CONRAD AVE HAMPTON, MN 55031-9642 Home: 23160 CONRAD AVE

HAMPTON, MN 55031-9642

Claim Rep.: Dorothy C Coletti Business: (636) 235-2159

Fax: (877) 217-1389

E-mail: myclaim@farmersinsurance.com Business: PO Box 268994

Claimant: ELISA VOLK

Property: 23160 CONRAD AVE HAMPTON, MN 55031-9642

Estimator: Dorothy C Coletti Business: (636) 235-2159

E-mail: myclaim@farmersinsurance.

com Business: PO Box 268994

Claim Number: 7003082718-1 Policy Number: 0326263655 Type of Loss: Hail

Date Contacted: 6/30/2021 10:00 AM

Date of Loss: 7/14/2020 12:00 AM Date Received: 6/29/2021 11:55 PM

Date Inspected: Date Entered: 6/30/2021 8:06 AM

Price List: MNMN8X_JUN21

Restoration/Service/Remodel Estimate: ELISA_VOLK

As required by Minnesota consumer protection law 325E.66, please be advised that a residential contractor providing home repair or improvement services to be paid by an insured from the proceeds of a property or casualty insurance policy shall not, as an inducement to the sale or provision of goods or services to an insured, advertise or promise to pay, directly or indirectly, all or part of any applicable insurance deductible or offer to compensate an insured for providing any service to the insured. If a residential contractor violates this section, the insurer to whom the insured tendered the claim shall not be obligated to consider the estimate prepared by the residential contractor. The residential contractor must provide a written notification of the

requirements of this section with its initial estimate.

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PO Box 268994

ELISA_VOLK 9/20/2021 Page: 2

ELISA_VOLK Roof

QUANTITY UNIT TAX RCV AGE/LIFE COND. DEP % DEPREC. ACV

1. Dumpster load - Approx. 12 yards, 1-3 tons of debris

1.00 EA 356.00 0.00 356.00 0/NA Avg. 0% (0.00) 356.00

2. Tear off composition shingles (no haul off)

26.80 SQ 48.06 0.00 1,288.01 0/NA Avg. 75% [%M] (966.01) 322.00

3. Laminated - comp. shingle rfg. - w/out felt

29.48 SQ 288.47 235.31 8,739.41 0/30 yrs Avg. 75% [%M] (6,554.56) 2,184.85

4. Remove Additional charge for high roof (2 stories or greater)

7.15 SQ 6.77 0.00 48.41 0/NA Avg. 75% [%M] (36.31) 12.10

5. Additional charge for high roof (2 stories or greater)

7.87 SQ 28.83 0.00 226.89 0/NA Avg. 75% [%M] (170.17) 56.72

The above line items are to remove and replace the shingles on your roof and include any/all high charges associated with repair completion. The replacement line items include 10% waste.

6. Roofing felt - 15 lb.

26.80 SQ 44.00 13.25 1,192.45 0/20 yrs Avg. 75% [%M] (894.34) 298.11

7. Ridge cap - composition shingles

79.00 LF 5.69 6.81 456.32 0/25 yrs Avg. 75% [%M] (342.24) 114.08

8. Roof vent - turtle type - Metal

7.00 EA 78.33 8.06 556.37 0/35 yrs Avg. 75% [%M] (417.27) 139.10

9. Flashing - pipe jack

1.00 EA 59.32 0.91 60.23 0/35 yrs Avg. 75% [%M] (45.17) 15.06

10. Flashing - pipe jack - lead

1.00 EA 92.91 3.30 96.21 0/35 yrs Avg. 75% [%M] (72.15) 24.06

11. Valley metal - (W) profile

30.00 LF 8.34 6.73 256.93 0/35 yrs Avg. 75% [%M] (192.70) 64.23

Includes: Valley metal and installation labor. Labor cost to remove valley metal and to discard in a job-site waste receptacle.

Quality: 24" wide galvanized metal, (W) profile.

Green: LEED considers valley metal to be green for being manufactured with a minimum of 25% recycled product. Lighter colored products may contribute to the Heat Island Reduction credit.

Note: In cold weather areas, additional roofing felt or rubber roofing should also be applied in valleys.

Average life expectancy 35 years Average depreciation 2.86% per year Maximum depreciation 100%

12. Roof vent - Detach & reset

1.00 EA 118.61 0.05 118.66 0/NA Avg. 0% (0.00) 118.66

Heavy gauge roof vent - no damage due to cause of loss, detach and reset only.

Totals: Roof 274.42 13,395.89 9,690.92 3,704.97

Exterior

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PO Box 268994

13. R&R Gutter / downspout - aluminum - up to 5"

20.00 LF 11.47 6.54 235.94 25/25 yrs Avg. 75% [M] (176.96) 58.98

To remove and replace the hail damaged downspout on the right rear corner of your home.

14. R&R Fascia - metal - 8"

36.00 LF 8.59 5.80 315.04 25/50 yrs Avg. 50% (157.52) 157.52

To remove and replace the front fascia metal, damaged by hail.

Totals: Exterior 12.34 550.98 334.48 216.50

Labor Minimums Applied

15. Siding labor minimum*

1.00 EA 222.60 0.00 222.60 0/NA Avg. 0% (0.00) 222.60

Totals: Labor Minimums Applied 0.00 222.60 0.00 222.60

Line Item Totals: ELISA_VOLK 286.76 14,169.47 10,025.40 4,144.07

[%] - 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

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PO Box 268994

Summary for Building

Line Item Total 13,882.71

Matl Sales Tax Reimb 286.76

Replacement Cost Value $14,169.47

Less Depreciation (10,025.40)

Actual Cash Value $4,144.07

Policy Deductible $1,500.00

Deductible Credit $50.00

Less Deductible (1,450.00)

Net Claim $2,694.07

Total Recoverable Depreciation 10,025.40

Net Claim if Depreciation is Recovered $12,719.47

Dorothy C Coletti

As required by Minnesota consumer protection law 325E.66, please be advised that a residential contractor providing home repair or improvement services to be paid by an insured from the proceeds of a property or casualty insurance policy shall not, as an inducement to the sale or provision of goods or services to an insured, advertise or promise to pay, directly or indirectly, all or part of any applicable insurance deductible or offer to compensate an insured for providing any service to the insured. If a residential contractor violates this section, the insurer to whom the insured tendered the claim shall not be obligated to consider the estimate prepared by the residential contractor. The residential contractor must provide a written notification of the

requirements of this section with its initial estimate.