December 12, 2007

1. SoCal 2007 Wildfire Roadmap to Recovery: Legal Issues & Scopes of Loss December 12, 2007 Rancho Bernardo Community Presbyterian Church www.unitedpolicyholders.org

14. Reserve slides

19. Introduction to Gafcon Wildfire Presentation

20. Competitive Bid Estimating Litigation Support Estimating

21. Preparing a Scope of Loss Estimate and Why

22. Documentation

23. Check List of Finishes for a Single Family Residence EXTERIOR FINISH Did/Does the exterior of the home have any siding? If yes, what locations? If yes, what species or composite (Wood composite, Cementitious, redwood, cedar or spruce)? If yes, what style of siding (Totem, tongue and grove or lap siding? Did the exterior of the home have stucco? If yes, what locations and dimensions per elevation? Did/Does the exterior of the home have any veneer installed over stucco? If yes, what type - Brick, Stone, other? If yes, what locations? Does the exterior of the home have any wood trim? If yes, what widths and lengths? If yes, is the wood trim over stucco or siding, is it around windows and doors etc?

24. Quantity Survey

25. Develop Unit Costs

26. Smith Residence Date: January 1, 2008 1234 Front Street Estimated Cost of Replacement Description QTY Unit Unit Cost Total Wall Framing 2" x 4" Wood stud wall, exterior 2,750 SFSA $1.95 $5,363 2" x 4" Wood stud wall, interior 1,845 SFSA $1.95 $3,598 Blocking 4,595 SFSA $0.25 $1,149 1/2" CDX Sheathing with shear nailing 2,750 SF $1.30 $3,576 8" x 8" Exterior post 10 LF $15.25 $153 Subtotal-Wall Framing 2,731 SF $5.07 $13,839

27. Smith Residence Date: January 1, 2008 1234 Front Street Estimated Cost of Replacement Description QTY Unit Unit Cost Total Landscaping Amendments/Top soil 2,500 SF $0.60 $1,500 Ground Cover 500 SF $1.25 $625 Sod 2,000 SF $0.70 $1,400 1 gallon trees/scrubs 1 EA $15 $15 5 gallon trees/scrubs 100 EA $30 $3,000 15 gallon trees/scrubs 4 EA $125 $500 Specimen trees, 24” box 11 EA $300 $3,300 Specimen trees, 36” box 3 EA $750 $2,250 Specimen trees, 48” box 4 EA $1,500 $6,000 Sub-Landscaping $18,590

28. General Requirements

29. Smith Residence Date: January 1, 2008 1234 Front Street Estimated Cost of Replacement Description QTY Unit Unit Cost Total General Requirements Supervision Superintendent, part time 5 MO $3,250 $16,250 Safety & Fire Control First aid locker 1 EA $75 $75 Safety equipment & supplies 5 MO $50 $250 Fire extinguishers 2 EA $150 $300 Subtotal - Safety & Fire Control $625 Temporary Utilities Temporary electricity 5 MO $150 $750 Temporary telephone 5 MO $200 $1,000 Temporary construction water 5 MO $100 $500 Temporary Toilet 5 MO $175 $875 Temporary hand washing station 5 MO $200 $1,000 Sub-Total Temporary Utilities $4,125

30. Overhead Profit

31. Building Plan Check and Permit Fees Architectural and Engineering Fee

32. The American Society of Professional Estimators - ASPE Forensic Expert Witness Association - FEWA Forensic Consultants Association - FCA American Association of Cost Engineers - AACE

33. www.gafcon.com SAN DIEGO  IRVINE  LOS ANGELES 701 B Street, Suite 1600  San Diego, CA 92101 Contact Maryssa Ptacnik with any questions at 619.231.6100 ext 1251 or email at mptacnik@gafcon.com