Poindexter has a HO-2 policy which provides the following covorages: (Calculate by reverse engineering) Coverage A $ Coverage B$ Coverage C $125,000.00 Coverage D $ Coverage E $300.000 /occurrence Coverage F $2,500/ occurrence $500 flat deductible for all perils other than Windstorm which is 2% M& Tholds the mortgage on a single story wood frame structure with asphalt shingle roof, brick and aluminum siding originally bulit in 1976 . Answer each question stating what coverage(s) would apply to the loss described, (f any) and the net amount of recovery Poindexter may anticipate. Who would be the payee(s) on settlement check(s). Treat each described incident as a separate loss trom the one(s) preceding unless expressly stated not to by the question. 1. Poindexter's electric stove short circuited out and a fire ensued. The flames spread over the stove top and onto adjacent countertops eventually destroving wooden storage cabinets on either side of the range. Repairs to the damage sustained by the appliance $576.00, Replacement cost $498.00. Repair/replacement to the cabinets $1,008,00 Refinish walls and ceilings $289.00. Clean up $125,00 2. The contents of each of the destroyed cabinets included 2 sets of Corelleware ( $59/ /each) punch bowi and matching glasses 8 ( $159,99 ). Examination of the circuit breaker box revealed that the box had been recently serviced by Roadrunner Electric Services, Inc. It seems that the woek order provided an internal rewiring of the circuit board using 09 gauge wiring which specifications required. 12 gauge wiring. Seems that the thinner gauge directly contributed to an overload and short circuit of the system. 3. Fire. Department was called to the scene and a hose was tossed into an adjacent pond as a water source instead of the tanker truck whose valves had recently required replacement (and which had not yet been replaced-whey were on order). The volunteer fire compary entered the front door of the dwelling and opened the hose valve allowing pond water to drench the interior walls of the foyer and living room along with a sola ( 5890.00 ) two overstuffed chairs $449 ea), the walls and ceiling (clean and refinish $1,215.00,36HD TV $590.00 ). 4. Two volunteer Firemen made their way to the root and as they had been trained, began to chop holes in the roof to (a) let smole escape and (b) ascertain if the flames had spread to the attic. Damages to repair the roof $960 to remove shingles, undercoat, sheathing, repair and replace with LkQ materials: 5. While swinging their axes on the roof, the firemen came across an area that embers had floated to the attic ceiling and a small fire started when these embers hit the attic insulation. The action of the ax drove into the smoldering insulation and caused two things to occur simultaneoush with one another--flames spread throughout the attic insulationas the burning embers were swept to the left and right within the interior of the attic, and (b) other embers flew out of the roof exterior riding the upward arc of the swinging ax-.-floated down and lansted on both Poindexter's utility shed and his neighbor's utility shed setting both on fire. Damage to the residence $10,478.80, to P's utility shed $1.230.00 to neighbor's $897.40. 6. Building and construction materials were delivered to begin repairs to the home and left on the driveway, Poindexter and a few friends moved the materials from the drivewary to the side so that he could get his car into the driveway and into the garage. He had made arrangements for the repairs to be done while he was at work. Upon arrival at work. he received a call frorn the foreman who told him that he and his crew had arrived a few minutes ago and had been told all construction materials called for in the estimate had been delivered but none of the materials were present-wanted to know where the stuff was. Poindexter knew it had been delivered and tried to describe where it was finally stating in exasperation that he would be right home. He arrived a few minutes later and discovered as the repair guys before him, that all the materials were gone! Cost for replacement materials $5, 733.18 , 7. While the fire had been raging. Poindexter called his insurance company on his cell phore. He was told that a claims adjuster was in the area and would be sent right over. In the meantime. P's neighbor, Marvin jolned a group of onlookers to see what the commotion was all about. Marvin always liked fre trucks and he wanted to get a better vantage point so, he stepped off the grass ard onto P's driveway and began to waik up the driveway while never taking his eyes of the residence, the flames and the fre fighters racing to and fro. He loved that exciternent, at least up until he stepped on P's son's skateboard which then went out from under him. He went flying and came crashing down on the hard driveway pavement crying out in pain. He thinks he broke his ankle and was yelling for help. He went to the hospital, radiology tests were performed, doctor examined him, wrapped the ankle, gave him crutches with instructions to follow with his primary care physician. ER Visti $2.417.00 Follow up care with his pCP $1.008.00 Wants to sue lor pain and suffering.-wants a $1.000,000 compensation. - While this was going on. P's adjuster showed up. He had just made his way from his car parked in the street. to where P' was standing off to the side on a walkway. Both turned as they heard Marvin's cries for help. The adjuster as just a little faster as he tried to race across the front lawn. Unbeknowmt to him. P had a water sprinkler system installed when be bought the house which was recessed so that the sprinkler headk mostly, but not alli below ground level. The part that protrude above ground was camouflaged and could not be seek unless you know where to look. Wouldr't you know the adjuster's heel caught on one and he twisted his ankle and went down in a heap writhing in pain and calling out for help himselt! Taken to the hospital, was admitted as an in patient overnight $2.040.00 Diagnostics $1.540 Physician $750.00 Primary Care Physkcian follow up $2.100 Lovs of earnings $5.480 (was unable to work for 4 weeks) Asserts claim for pain and suffering as well as out of pochet expenses: 8. Poindexter had been riding on his brand new ATV all down having the time of his life, over hill and dale?-he parked it in his tool shed for overnight but the next morning when he got up to continue his exploits, the found that it had been stolen! He notified the police and gave them a tull description and obtained a report number. He then called his insurance company to make a claim for it's loss. He had just paid $6,326 (tax included), and it was gone. 9. Poindexter had a side business at his home. It was set up very well. He would meet with accounting clients he had met at his employer's place of business and over a couple of years, told them he could give them a better deal by working with them directly and to do so, he met with them at his heme otfice.i. away from prying eyes. He was able to reduce the amount charged for accounting services, and tax preparation and hllings. He kept accurate records of the clientele he had been syphoning away from his employerw right up until a lightning strike hit and wiped out his hard drive and back up server. Ali his records were gone. He brought the drive and server to a recovery service-cthey said they might be able to recover u to gots of what he had encrypted but that it would cost 599,500.00. They also suggested he purchase a second computer and server to maintain off premises but all data could be backed up to nighthis O. Poindexter had enough of he believed was the insurance company's toot dragging. He had given them all that they had asked for last week, he called twice a day to find out where his settiement checks were and they kept putting him otf. He was tired of getting the run around so he went to the courthouse and, representing himself, filed suit against his insurer alleging breach of contract and bad fath claims settlement on their behalt, He was seeking the amount on his proof of loss of $6,770.00 plus the costs of filing $185.00 and an additional $10,000 for emotional distress caused by their failure to promptly pay his claims under the policy. Poindexter has a HO-2 policy which provides the following covorages: (Calculate by reverse engineering) Coverage A $ Coverage B$ Coverage C $125,000.00 Coverage D $ Coverage E $300.000 /occurrence Coverage F $2,500/ occurrence $500 flat deductible for all perils other than Windstorm which is 2% M& Tholds the mortgage on a single story wood frame structure with asphalt shingle roof, brick and aluminum siding originally bulit in 1976 . Answer each question stating what coverage(s) would apply to the loss described, (f any) and the net amount of recovery Poindexter may anticipate. Who would be the payee(s) on settlement check(s). Treat each described incident as a separate loss trom the one(s) preceding unless expressly stated not to by the question. 1. Poindexter's electric stove short circuited out and a fire ensued. The flames spread over the stove top and onto adjacent countertops eventually destroving wooden storage cabinets on either side of the range. Repairs to the damage sustained by the appliance $576.00, Replacement cost $498.00. Repair/replacement to the cabinets $1,008,00 Refinish walls and ceilings $289.00. Clean up $125,00 2. The contents of each of the destroyed cabinets included 2 sets of Corelleware ( $59/ /each) punch bowi and matching glasses 8 ( $159,99 ). Examination of the circuit breaker box revealed that the box had been recently serviced by Roadrunner Electric Services, Inc. It seems that the woek order provided an internal rewiring of the circuit board using 09 gauge wiring which specifications required. 12 gauge wiring. Seems that the thinner gauge directly contributed to an overload and short circuit of the system. 3. Fire. Department was called to the scene and a hose was tossed into an adjacent pond as a water source instead of the tanker truck whose valves had recently required replacement (and which had not yet been replaced-whey were on order). The volunteer fire compary entered the front door of the dwelling and opened the hose valve allowing pond water to drench the interior walls of the foyer and living room along with a sola ( 5890.00 ) two overstuffed chairs $449 ea), the walls and ceiling (clean and refinish $1,215.00,36HD TV $590.00 ). 4. Two volunteer Firemen made their way to the root and as they had been trained, began to chop holes in the roof to (a) let smole escape and (b) ascertain if the flames had spread to the attic. Damages to repair the roof $960 to remove shingles, undercoat, sheathing, repair and replace with LkQ materials: 5. While swinging their axes on the roof, the firemen came across an area that embers had floated to the attic ceiling and a small fire started when these embers hit the attic insulation. The action of the ax drove into the smoldering insulation and caused two things to occur simultaneoush with one another--flames spread throughout the attic insulationas the burning embers were swept to the left and right within the interior of the attic, and (b) other embers flew out of the roof exterior riding the upward arc of the swinging ax-.-floated down and lansted on both Poindexter's utility shed and his neighbor's utility shed setting both on fire. Damage to the residence $10,478.80, to P's utility shed $1.230.00 to neighbor's $897.40. 6. Building and construction materials were delivered to begin repairs to the home and left on the driveway, Poindexter and a few friends moved the materials from the drivewary to the side so that he could get his car into the driveway and into the garage. He had made arrangements for the repairs to be done while he was at work. Upon arrival at work. he received a call frorn the foreman who told him that he and his crew had arrived a few minutes ago and had been told all construction materials called for in the estimate had been delivered but none of the materials were present-wanted to know where the stuff was. Poindexter knew it had been delivered and tried to describe where it was finally stating in exasperation that he would be right home. He arrived a few minutes later and discovered as the repair guys before him, that all the materials were gone! Cost for replacement materials $5, 733.18 , 7. While the fire had been raging. Poindexter called his insurance company on his cell phore. He was told that a claims adjuster was in the area and would be sent right over. In the meantime. P's neighbor, Marvin jolned a group of onlookers to see what the commotion was all about. Marvin always liked fre trucks and he wanted to get a better vantage point so, he stepped off the grass ard onto P's driveway and began to waik up the driveway while never taking his eyes of the residence, the flames and the fre fighters racing to and fro. He loved that exciternent, at least up until he stepped on P's son's skateboard which then went out from under him. He went flying and came crashing down on the hard driveway pavement crying out in pain. He thinks he broke his ankle and was yelling for help. He went to the hospital, radiology tests were performed, doctor examined him, wrapped the ankle, gave him crutches with instructions to follow with his primary care physician. ER Visti $2.417.00 Follow up care with his pCP $1.008.00 Wants to sue lor pain and suffering.-wants a $1.000,000 compensation. - While this was going on. P's adjuster showed up. He had just made his way from his car parked in the street. to where P' was standing off to the side on a walkway. Both turned as they heard Marvin's cries for help. The adjuster as just a little faster as he tried to race across the front lawn. Unbeknowmt to him. P had a water sprinkler system installed when be bought the house which was recessed so that the sprinkler headk mostly, but not alli below ground level. The part that protrude above ground was camouflaged and could not be seek unless you know where to look. Wouldr't you know the adjuster's heel caught on one and he twisted his ankle and went down in a heap writhing in pain and calling out for help himselt! Taken to the hospital, was admitted as an in patient overnight $2.040.00 Diagnostics $1.540 Physician $750.00 Primary Care Physkcian follow up $2.100 Lovs of earnings $5.480 (was unable to work for 4 weeks) Asserts claim for pain and suffering as well as out of pochet expenses: 8. Poindexter had been riding on his brand new ATV all down having the time of his life, over hill and dale?-he parked it in his tool shed for overnight but the next morning when he got up to continue his exploits, the found that it had been stolen! He notified the police and gave them a tull description and obtained a report number. He then called his insurance company to make a claim for it's loss. He had just paid $6,326 (tax included), and it was gone. 9. Poindexter had a side business at his home. It was set up very well. He would meet with accounting clients he had met at his employer's place of business and over a couple of years, told them he could give them a better deal by working with them directly and to do so, he met with them at his heme otfice.i. away from prying eyes. He was able to reduce the amount charged for accounting services, and tax preparation and hllings. He kept accurate records of the clientele he had been syphoning away from his employerw right up until a lightning strike hit and wiped out his hard drive and back up server. Ali his records were gone. He brought the drive and server to a recovery service-cthey said they might be able to recover u to gots of what he had encrypted but that it would cost 599,500.00. They also suggested he purchase a second computer and server to maintain off premises but all data could be backed up to nighthis O. Poindexter had enough of he believed was the insurance company's toot dragging. He had given them all that they had asked for last week, he called twice a day to find out where his settiement checks were and they kept putting him otf. He was tired of getting the run around so he went to the courthouse and, representing himself, filed suit against his insurer alleging breach of contract and bad fath claims settlement on their behalt, He was seeking the amount on his proof of loss of $6,770.00 plus the costs of filing $185.00 and an additional $10,000 for emotional distress caused by their failure to promptly pay his claims under the policy