54_Grant_Northampton_ACT11
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
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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: 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
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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: 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%
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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: 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"