ADJUSTERS SHORT FORM REPORT - WIND DAMAGE LOSS OF 5/17/09

Southern Mutual Church Insurance Company Claim #: N/A

Report: ()Initial (X)Final Insured: Fellowship Baptist Church

Policy #: SMP 31763 07 Policy Dates: UNK

Date of Loss: 5/17/2009 Insd. Contact: Murdock McInnis

Coverage forms: SMCP 0512, CP 85 (RCV) Subrogation: No

Deductible(s): $500.00 Salvage: No
Mortgagee: None
Type Damage: Wind

Insured's Claim - Damages

Bldg. #1 Type Bldg. Church/Ed. Bldg. #4 Type Bldg.

Total Repairs $10,366.67 Total Repairs
Less Depreciation Less Depreciation
Allowances/Deductions Allowances/Deductions
Contents Contents
Less Depreciation Less Depreciation
Less Deductible $500.00 Less Deductible
Total $9,866.67 Total

Bldg. #2 Type Bldg. Fellowship Bldg. #5 Type Bldg.

Total Repairs $2,595.48 Total Repairs
Less Depreciation Less Depreciation
Allowances/Deductions Allowances/Deductions
Contents Contents
Less Depreciation Less Depreciation
Less Deductible Less Deductible
Total $2,595.48 Total

Bldg. #3 Type Bldg. Bldg. #6 Type Bldg.

Total Repairs Total Repairs
Less Depreciation Less Depreciation
Allowances/Deductions Allowances/Deductions
Contents Contents
Less Depreciation Less Depreciation
Less Deductible Less Deductible
Total Total

Total Payment This Loss $12,462.15

ATTACHMENTS:
Service Invoice: (X) Repair estimate: (X) Photos: (X) Supporting Documentation: ()
Other: () Invoice (X) Temporary repairs paid by Insured
Agreed Price with: Mr. McInnis
Date: 5/20/2009 Adjuster: Ron Fogle
 Ron Fogle
P.O. Box 423
Nichols, SC 29581
Phone (843) 392-1100
Ron.Fogle@sccoast.net

INSURED: Church of God (Johnsonville)

POLICY #: SMP 31542 07
LOSS DATE: 1/7/09

Assignment

This assignment was received via e-mail from your office on 1/8/09. At that time I was
advised that there had been a fire in the Pastorium during the evening hours 1/7/09.

The Loss

Inspection revealed that fire obviously originated on the stovetop in the kitchen.
According to Pastor Randall, the power went out (due to high winds) while they were
preparing to go to the Wednesday evening worship service. When the service was over,
they learned that the Pastorium was on fire. It is obvious that a pot was left on the stove
with a burner on while the power was out. When electrical service was restored, the
contents of the pot caught fire. There is nothing suspicious about the origin of the fire.

Damage

Obviously, the most extensive damage was in the area of the kitchen. There was also
extensive fire damage to an adjacent bathroom, hallway, bedroom, and dining room area.
The balance of the dwelling sustained extreme heat, smoke, and water damage.

In regards to the heat and smoke damage, I asked SERVPRO of Florence inspect this loss
to determine what could be cleaned and/or salvaged. Per John Hoover, Jr., there is
nothing inside the dwelling that can be cleaned or salvaged. Per Mr. Hoover, this is due
to the extreme heat throughout the dwelling. This heat cracked ceramic tiling in a
bathroom at the opposite end of the dwelling from where the fire originated.

Repairs

Coverage of $135,000.00 exhausted. While this amount may seem excessive, this
dwelling was custom built (probably in the early 1950’s) and contains a large amount of
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T&G #2 Knotty Pine paneling, hardwood flooring, ceramic tiling, and custom built
oversized windows. Additionally, the kitchen cabinetry was a “beaded board” material
and would be considered “high end” by any standard.

I’ve already addressed the extreme high heat throughout the dwelling, and as you know,
water used by the fire department caused a great deal of damage.

While my Replacement Cost estimate in the amount of $140,306.50 exceeds policy

limits, it is my opinion that actual repairs to this dwelling would exceed $150,000.00.

Contents

On 1/13/09, I received a list of the damaged contents via e-mail from Pastor Randall. A
copy is attached to this report.

_____________
Ron Fogle
 ACTIVITY LOG
1/8/09 Assignment rec’d. via phone call followed by e-mail. Contact insd. and advise
that I am enroute. Arrive at Pastorium, meet Pastor. Power was out (due to high
winds) night before. Left Pastorium for church services. After services
discovered Pastoruim was on fire. Loss still has extensive water dripping from
ceiling and floor covered with wet insulation from ceiling. Take photos and some
measurements. Discuss cvg. With Pastor. Call David & advise. E-mail photos
to David, start estimate.

6.00 HRS. 90 MI.

_____________________________________________________________________________

1/9/09 Call David with status/reserves. Call Pastor and advise I will be back at loss on
1/12 to conclude. Pastor ask about “study” contents cvg. Advise him I will
check.

.25 HRS. 00 MI.

1/12/09 Drive to Johnsonville, take additional measurements and photos. Advise Pastor
on Study contents. Complete repair estimate (exhausted coverage) and report.

4.5 HRS. 90 MI.

11/13/09 Receive copy of contents list via e-mail. Complete report.

0.5 HRS. 00 MI.

11.25 HRS. 180 MI. 6 PHOTOS