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Truck Insurance Exchange <br /> FARMERS <br /> INSURANCE PO Box 268994 <br /> Oklahoma City,OK 73126-8994 <br /> Toll Free Fax 1-877-217-1389 <br /> myclaim@farmersinsurance.com <br /> We appreciate the opportunity to serve your insurance needs and we want to make sure you have a clear understanding of how <br /> your claim will be processed. <br /> Attached is the estimate for the repairs of the damages to your property,also called the Replacement Cost Value of your loss. If <br /> depreciation was applied to the estimated repair costs,then the Replacement Cost Value less the depreciation is the Actual Cash <br /> Value of your loss. Depreciation is based on the average quality,age,condition and useful life of the damaged property,unless <br /> otherwise noted.The applicable policy deductible(s)will be deducted from these amounts. <br /> If it appears reasonably likely that a general contractor will be needed to coordinate and supervise the repairs,the estimate also <br /> includes an amount for general contractor overhead and profit,unless your policy provides that general contractor overhead and <br /> profit will only be paid if incurred. In addition,if your policy provides that any amounts for the matching of undamaged <br /> materials will only be paid if incurred,then those estimated amounts will be shown under a section of the estimate labeled <br /> Matching of Undamaged Property. <br /> Please note this estimate reflects the extent of known covered damages to the property referenced above. No supplemental or <br /> additional payments will be issued for repairs that have not been included in this estimate,without prior approval.This approval <br /> must be obtained prior to replacement or repair. We must have the opportunity to view and inspect any proposed changes or <br /> additional work. <br /> Should you receive an estimate of repairs that exceeds this estimate,or if you wish to send us any other information related to <br /> your claim,please include"Attention Claim#5005344160-1-1"and forward this information to us by: <br /> 1. E-mailing to myclaim@farmersinsurance.com or <br /> 2. Faxing to 877-217-1389,or <br /> 3. Mailing to National Document Center,P.O.Box 268994,Oklahoma City,OK 73126-8994. <br /> Once you have completed the repairs to your property,you may make a Replacement Cost claim for up to the amount of the <br /> recoverable depreciation withheld.Any depreciation shown as"non-recoverable"does not qualify for reimbursement. Please <br /> refer to the Conditions section of your policy for specific time limits within which you must claim the recoverable depreciation. <br /> Once you complete the repairs,please send your supporting documentation to us as outlined above.In any case,your total claim <br /> will not exceed the amount you actually spent making the repairs,minus your policy deductible. Estimated costs not actually <br /> incurred,like general contractor overhead and profit,will offset recoverable depreciation. <br /> If your policy provides for Building Ordinance or Law coverage,any known covered costs resulting from ordinance or law <br /> upgrades are itemized in this estimate or contained in a separate estimate we will provide to you. However,these costs are not <br /> included as part of the Actual Cash Value of this estimate. Ordinance or law costs will be paid under your policy when incurred <br /> by you,subject to your deductible. <br /> We wish to inform you there are time limits set forth in the Conditions section of your policy which may affect the time within <br /> which you may pursue your claim. We suggest that you review the Conditions section of your policy,as may be endorsed, <br /> particularly noting the'Suit Against Us'or'Legal Action Against Us'provision. <br /> Although as a service we may refer contractors or repairmen to you,it is your decision to hire the contractor of your choice. We <br /> neither direct or manage the activities nor guarantee the work of any contractor,whether referred or not.It is up to you to make <br /> sure the work is completed to your satisfaction. <br /> We encourage you to visit www.hpcs.com to learn more about our self-service options available to you;including the ability to <br /> view your claim status,upload documents and photos and find local service providers. <br /> Thank you for the opportunity to serve your insurance needs. If you have any questions regarding this claim,please feel free to <br /> TRAVIS HILLS 1/31/2018 Page:2 <br />