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Home My WebLink AboutKim Lim SOW Shelter Insurance PO Box 6008 Columbia, MO 65205-6008 Fax: 888-742-5671 Means a decrease in value that has occurred over time based on factors such as age, life expectancy, condition, and obsolescence. If Recoverable Depreciation is deducted from this payment, we will reimburse you the amount you actually incurred to repair or replace that part of the property not to exceed the amount stated in your estimate or your policy limit. Repairs for Recoverable Depreciation must be completed within two years from the date of the loss. If an amount was subtracted for Non-Recoverable Depreciation, the policy does not provide reimbursement. Depreciation Please give this estimate, or a copy, to the repair professional of your choice. They will review the damage we found and the estimated cost to repair. Any questions about the estimate, or if additional damages have been identified, need to be addressed with us before repairs to the property begin. You may also desire to use or buy higher quality items than you had before. Your policy, however, does not cover that additional cost. Repairs made to your property, or repair costs not included in our estimate and agreed to by us, may not be covered. What to do with the estimate Your Shelter Insurance® policy covers this property. We are sorry it has been damaged, but we are happy to help you with this covered loss. We have investigated your claim and estimated the covered amount of your loss. We have enclosed your estimate and are issuing a payment. This initial payment is the actual cash value of your loss less your policy deductible. Your policy controls when and the amount we can pay for your loss. We have included important information about this and other coverages. Dear Loss Location: Date of Loss: Policy Number: Claim Number: Insured:Re: KIM LIM 506 Ferry St Little Rock AR 72202-2440 04/02/2025 03-76-C-10362109-1 CF0000004020383 KIM LIM LITTLE ROCK AR 72211-2163 11 BRISTOL CT KIM LIM November 03, 2025 Include your claim number on each page and the subject line: If your mortgage holder is a payee on this check, please understand that your policy obligates us to add them. Each mortgagee may have a different procedure as to how they process the payment, be sure to contact your mortgagee for direction on their specific payment handling procedure. If you have correspondence to share with Shelter use one of the following three destinations. Please include your claim number on each page and the subject line: Thank you. Please call me if you have any questions. Sincerely, Fax: 888-742-5671 PO Box 6008 Columbia MO 65205-6008 Email: ClaimsDocuments@ShelterInsurance.com Mail: Shelter Insurance Other Information Zachary Hayes Property Adjuster (501) 954-3002 Shelter Insurance PO Box 6008 Columbia, MO 65205-6008 Fax: 888-742-5671 Claim CF0000004020383 Page 4 of 7 11/03/2025 ESTIMATE: Structure (Shelter Insurance)Claim #CF0000004020383, KIM LIM Completed ROOFPLAN: Roofplan Roof Roof area: 1,978.41 SF Squares: 19.8 SQ Soffit: 334.29 SF Eaves: 186.55 LF Ridge: 41.40 LF 1 Tear Out - Shingles, Composition, 3-Tab, 25 Year 18.00 $57.73 SQ MAT LAB EQU MKT O&P TAX ACV Paid $1,039.14 $259.79 $779.35 2 Replace - Shingles, Composition, 3-Tab, 25 Year 19.80 $239.81 SQ MAT LAB EQU MKT O&P TAX ACV Paid $4,748.23 $1,187.06 $3,561.17 Includes 10% waste on quantity. 3 Replace - Ridge Cap Shingles, 3-Tab 144.25 $4.23 LF MAT LAB EQU MKT O&P TAX ACV Paid $610.18 $152.55 $457.63 Includes 10% waste on quantity. 4 Tear Out - Ridge Vent, Composite/PVC, Shingle-Over 41.40 $1.83 LF MAT LAB EQU MKT O&P TAX ACV Paid $75.76 $18.94 $56.82 5 Replace - Ridge Vent, Composite/PVC, Shingle-Over 43.47 $7.48 LF MAT LAB EQU MKT O&P TAX ACV Paid $325.16 $81.29 $243.87 Includes 5% waste on quantity. 6 Replace - Shingles, Starter Row, Eave, Continuous 166.03 $1.88 LF MAT LAB EQU MKT O&P TAX ACV Paid $312.14 $78.04 $234.10 Includes 10% waste on quantity. 7 Replace - Shingles, Starter Row, Rake, Continuous 47.08 $1.88 LF MAT LAB EQU MKT O&P TAX ACV Paid $88.51 $22.13 $66.38 Includes 10% waste on quantity. 8 Replace - Felt, Single Layer, 15 lb. 20.79 $30.46 SQ MAT LAB EQU MKT O&P TAX ACV Paid $633.26 $158.32 $474.94 Includes 5% waste on quantity. 9 Tear Out - Steep Roof Charge, Asphalt Shingle Roof, 10/12-12/12 17.90 $17.32 SQ MAT LAB EQU MKT O&P TAX ACV Paid $310.03 $77.51 $232.52 ACVDepreciationRCPaidDep. Appl.PerUnit PriceQuantityDescription Shelter Insurance PO Box 6008 Columbia, MO 65205-6008 Fax: 888-742-5671 Claim CF0000004020383 Page 5 of 7 11/03/2025 ESTIMATE: Structure (Shelter Insurance)Claim #CF0000004020383, KIM LIM Completed 10 Replace - Steep Roof Charge, Asphalt Shingle Roof, 10/12-12/12 17.90 $33.35 SQ MAT LAB EQU MKT O&P TAX ACV Paid $596.97 $149.24 $447.73 11 Tear Out - Flashing, Pipe Jack, Aluminum 1 $10.65 EA MAT LAB EQU MKT O&P TAX ACV Paid $10.65 $2.66 $7.99 12 Replace - Flashing, Pipe Jack, Aluminum 1 $42.51 EA MAT LAB EQU MKT O&P TAX ACV Paid $42.51 $10.63 $31.88 13 Tear Out - Vent Cap, Furnace, Aluminum, 6" 1 $3.26 EA MAT LAB EQU MKT O&P TAX ACV Paid $3.26 $0.82 $2.44 14 Replace - Vent Cap, Furnace, Aluminum, 6" 1 $73.53 EA MAT LAB EQU MKT O&P TAX ACV Paid $73.53 $18.38 $55.15 Tax override applied - Sales Tax applied to materials, labor, equipment. 15 Replace - Drip Edge, Eave/Rake, Aluminum, Mill Finished 240.82 $2.48 LF MAT LAB EQU MKT O&P TAX ACV Paid $597.24 $149.31 $447.93 Includes 5% waste on quantity. 16 Tear Out - TPO Roofing, Fully Adhered, 60 mil. 1.80 $87.02 SQ MAT LAB EQU MKT O&P TAX ACV Paid $156.64 $39.16 $117.48 17 Replace - TPO Roofing, Fully Adhered, 60 mil. 1.98 $467.06 SQ MAT LAB EQU MKT O&P TAX ACV Paid $924.78 $231.20 $693.58 Includes 10% waste on quantity. 18 Tear Out - Cornice Return, Shingles, 3-Tab 2 $3.98 EA MAT LAB EQU MKT O&P TAX ACV Paid $7.96 $1.99 $5.97 19 Replace - Cornice Return, Shingles, 3-Tab 2.20 $71.96 EA MAT LAB EQU MKT O&P TAX ACV Paid $158.31 $39.58 $118.73 Includes 10% waste on quantity. Roof - Subtotal (19 items)$10,714.26 $2,678.60 $8,035.66 Roofplan - Subtotal (19 items)$10,714.26 $2,678.60 $8,035.66 EXTERIOR PLAN: Exterior Plan Exterior Plan Exterior: 2,260.86 SF Footprint: 0.00 SF Subtractions: 278.82 SF Building perimeter (ground): 12.86 LF 20 Tear Out - Gutter & Guard, One-Piece, Seamless 38.54 $0.72 LF MAT LAB EQU MKT O&P TAX ACV Paid $27.75 $8.33 $19.42 ACVDepreciationRCPaidDep. Appl.PerUnit PriceQuantityDescription Shelter Insurance PO Box 6008 Columbia, MO 65205-6008 Fax: 888-742-5671 Claim CF0000004020383 Page 6 of 7 11/03/2025 ESTIMATE: Structure (Shelter Insurance)Claim #CF0000004020383, KIM LIM Completed 21 Replace - Gutter & Guard, One-Piece, Seamless 40.47 $35.83 LF MAT LAB EQU MKT O&P TAX ACV Paid $1,450.04 $435.01 $1,015.03 Includes 5% waste on quantity. Exterior Plan - Subtotal (2 items)$1,477.79 $443.34 $1,034.45 Exterior Plan - Subtotal (2 items)$1,477.79 $443.34 $1,034.45 Subtotal $12,192.05 $3,121.94 $9,070.11 ACVDepreciationRCPaidDep. Appl.PerUnit PriceQuantityDescription Shelter Insurance PO Box 6008 Columbia, MO 65205-6008 Fax: 888-742-5671 Claim CF0000004020383 Page 7 of 7 11/03/2025 ESTIMATE: Structure (Shelter Insurance)Claim #CF0000004020383, KIM LIM Completed Total Materials:$5,325.23 Total Labor:$6,802.41 Total Equipment:$64.41 Subtotal:$12,192.05 Sales Tax 8.625% (applies to materials only, some items overridden):$460.68 Replacement Cost Value:$12,652.73 Replacement Cost on Coverage BUILDING/BASIC2 ($195,400.00 limit):$12,652.73 Less Recoverable Depreciation:$(3,242.60) Net Actual Cash Value on Coverage BUILDING/BASIC2:$9,410.13 Coverage BUILDING/BASIC2 Deductible ($1,000.00) applied:$(1,000.00) Net Actual Cash Value on Coverage BUILDING/BASIC2 after Deductible:$8,410.13 Estimate Total on Coverage BUILDING/BASIC2:$8,410.13 Recoverable Depreciation:$3,242.60 Net Coverage BUILDING/BASIC2 after Deductible if Depreciation Is Recovered:$11,652.73 Estimate Total on Coverage BUILDING/BASIC2 if Depreciation Is Recovered:$11,652.73 Net Estimate:$8,410.13 Total Net Recoverable Depreciation:$3,242.60 Net Estimate if Depreciation Is Recovered:$11,652.73 Zach Hayes Property Adjuster 501-954-3002 claimsdocuments@shelterinsurance.com REASONABLE FEES FOR DEBRIS REMOVAL HAULED AWAY FROM THE RESIDENCE PREMISES ARE PAID IF INCURRED AND COVERED BY YOUR POLICY. The “Depreciation” column lists the depreciation amount applied to each item. Depreciation was applied as our policy and the law directs to certain portions of the overall price, which may include: MAT (Material) , LAB (Labor), EQU (Equipment), MKT (Market Conditions), O&P (Overhead and Profit), and TAX (Taxes). A checkmark means this amount is recoverable after the work is completed. Finalization