Complaint Unlimited Fee AppliesCal. Super. - 6th Dist.May 11, 2018Donald Charles Schwartz, Esq. (SBN 122476) Law Office ofDonald C. Schwarlz 7960 Soquel Drive, No. 291, Aptos, CA 95003 831-331-9909; Facsimile 815-301-6556 Email: donaldPlawofficedonaldschwmtz.corn 5 Attorney for Plaintiff Irene Nakano 6 7 INTHE SUPERIOR COURT 8 INAND FOR THE COUNTY OF SANTA CLARA 9 IRENE NAKANO, 10 Plaintiff11 vs. 12 GEICO INSURANCE AGENCY, INC. and DOES I to 100, 14 Defendants. 15 ] Case No. ] ] COMPLAINTFOR DAMAGES AND ] EQUITABLERELIEF -INSURANCE ] BAD FAITH ] ] DEMANDFOR JURY TRIAL ] ] 16 17 COMES NOW plaintiffIrene Nakano who alleges as follows: 18 PARTIES 19 [I] Plaintiff Irene Nakano ("plaintiff Nakano") is now and at all material times mentioned was an individual residing in the State of California. At all times relevant herein,20 plaintiff was insured for personal property loss at her home by defendant GEICO as named21 22 23 herein. [2] At all times relevant herein, defendant GEICO INSURANCE AGENCY, INC. ("defendant GEICO") is and was a corporation, organized and/or existing under the laws of the24 State ofCdifomia and/or is or was authorized to transact, and were and are transacting, business in25 the State ofCalifornia as an insurer.26 27 [3] At all times relevant herein, plaintiff Nakano was the insured beneficiary of defendant GEICO under a "Homesite Insurance Company of California" insurance policy No.28 E-FILED 5/11/2018 3:08 PM Clerk of Court Superior Court of CA, County of Santa Clara 18CV328177 Reviewed By: E. Fang 18CV328177 32886298, a true and correct copy ofwhich is attached as Exhibit 1 and incorporated herein. [4] The true names and capacities, whether individual, corporate, associate or otherwise of defendants Does 1 through 100, inclusive, are unknown to plaintiffat this time, who therefore sues4 said defendants by such fictitious names and when the true names and capacities of such defendants have been ascertained, willamend this Complaint accordingly. 6 [5] Plaintiff is informed and believes, and thereupon alleges, that each defendant designated herein as a Doe is responsible, negligently or in some manner, for the acts, facts, events, representatives and happenings hereinafter referred to, and caused injuries and damages proximately thereby to plaintif as hereinafter alleged, whether through said defendants'wn intentional, 10 negligent, fraudulent or other conduct or through the conduct of its agents, servants or employees, 11 or in some other manner. Plaintiffis informed and believes, and thereupon alleges, that at all times 12 stated herein defendants, and each of them, were the agents, servants, employees and/or joint 13 venturers of their co-defendants and were as such acting within the scope, course and authority of 14 such agency, employment and/or joint venture, and that each and every defendant, as aforesaid, 15 when acting as a principal, was negligent in the selection and hiring of each and every other 16 defendant as agent, servant, employee and/or joint venturer. 17 / 18 19 20 GENERALALLEGATIONS [6] PlaintiffNakano has had defendant GEICO insurance coverage when she suffered a covered loss to human hair eyelashes, imported from the Far East. [7] At all times herein mentioned, plaintiffNakano was informed by defendant GEICO 21 that plaintiffwas the insured beneficiary, through defendant GEICO, of the Homesite Insurance 22 Company of California policy of insurance coverage that pays for the loss to the human hair eye 23 lashes. The subject insurance policy is attached hereto at Exhibit1. 24 [8] Implied in said insurance policy is a covenant by defendants that they would act in 25 good faith and fair dealing with the insured and that said defendants, and each of them, would not 26 do anything to interfere with the rights of the insured to receive the benefits of the insurance 27 agreements. 28 [9] The above-said GEICO-Homesite insurance policy was in full force and effect and ! all of the coverage set forth hereinabove became due and payable when plaintiffNakano suffered a covered loss. A claim was opened and remains open at this time -yet has never been paid. [10] Plmntiff Nakano tendered the loss to defendant GEICO, who has never rendered a4 coverage opinion on the claim upon the insurance policy. [11] As a result thereof, plaintiffNakano has swered loss of the human hair eye lashes, and 6 willsuffer additional damages, covered under the subject insurance policy. 7 [12] At all times relevant herein, defendants, and each of them, knew that plaintiffwas 10 entitled to recover for the claim and losses suffered, but said defendant GEICO refused to negotiate or settle the matter in a fair manner with plaintiff [13] Defendant GEICO did not properly provide insurance coverage for plaintift's human 11 hair eye lashes, negligently or intentionally, ancVor falsely represented the coverage or defendant 12 GEICO has improperly denied plaintiff's claim by not rendering a coverage opinion. 13 [14] In fact, in failing to act on plaintiffs claim and loss, defendant GEICO knew that they 14 ~ owed plaintiffthe benefits therefrom. The denial of the claim by inaction was unjust and imposes a 15 cruel hardship upon this fail, single woman. 16 [15] The above acts and omissions were all done for the purpose of, inter alia, compelling 17 plaintiffNakano to abandon her claim and absorb the loss herself, during which time defendants 18 would retain use of the tnoney owed. Defendant GEICO and each and every other defendant, and 19 each of them, in breach of their covenant of good faith and fair dealing, intentionally, maliciously 20 and oppressively refused and failed to pay plaintiffNakano in accordance with the terms of the 21 policy. 22 [16] Because plaintilFNakano is a fail, single woman, she has suffered extreme general and 23 special damages. 24 [17] As a direct and proximate result of each and every defendants'rongful conduct as 25 herein alleged, plaintiffNakano is now compelled to pursue this claim and loss by way of, inter alia, 26 this Complaint and in connection herewith to incur costs ofsuit, according to proof. 27 [18] Each of the acts hereinabove was done through, or with the knowledge of each and 28 every other defendant. In fact, by the acts, facts and events complained of herein, plaintiffNakano is informed and believes that defendants, and each of them, conspired through an illegal and undisclosed business scheme to deny the claim and loss as alleged herein. [19] As a further direct proximate result of each and every defendants'rongful conduct as herein alleged, plaintiffhas suffered loss ofuse ofmoney owed by defendant GEICO Irom the date the claim should have been paid, in excess of the jurisdictional minimum ofthis Court. 8 10 12 13 14 15 16 17 19 20 21 22 23 24 25 26 27 28 FIRST CAUSE OF ACTION (Breach ofContract) [20] Plaintiffby this reference incorporates paragraphs 1 through 19, inclusive, as iffully set forth herein. [21] The written promises as set forth in the attached Exhibit 1 subject insurance policy caused to be issued by defendants, and each of them, and the subject policies, formed a written agreement between plaintiffand each and every defendant. [22] Plaintiffhas performed all conditions, covenants and promises required by her on her part to be performed in accordance with the terms and conditions of the contract. [23] Plaintiffhas requested that each and every defendant perform their obligations under the subject insurance. [24] Defendants have breached the contract by failing to provide coverage to plaintiff Nakano. [25] As a result of each and eve defendants'reach of the contract, plaintiffhas suffered I general and special damages, including medical expenses, attorney's fees and costs of suit, in sums according to proof, but in excess ofthe minimum jurisdictional 1 units of this Court. WHEREFORE, plaintiffprays judgment against defendants, and each of them, as further set forth below. SECOND CAUSE OF ACTION (Fraud) [26] Plaintiffby this reference incorporate paragraphs I through 25, inclusive, as iffullyset forth herein. [27] By the provisions of the written subject insurance policy agreement, each and every defendant represented to plaintiffNakano, that ifsaid plaintiffcomplied with all the terms and2 conditions of the subject insurance policy, said defendants would pay, or cause to be paid, to plaintiffor on plaintiffs behalf the amount of the claim and loss. Plaintiffduly complied with all the terms and conditions of the policies on her part. 5 [28] Each and every defendants'bove-stated representations and agreements, and theI 6 policy itself, were and remain false and fraudulent, in that defendants, and each of them, never 7 intended to pay, or cause to be paid, plaintiffs claim and loss, but instead have a fixed and firm I8 policy of contesting all losses where it could not negotiate a settlement for a sum ofmoney which 9 was substantially less than that required to make plaintiffwhole under the terms of the policy, as 10 well as the written representations. At the time defendants, and each of them, entered into the 11 insurance connacts for plaintiffs benefit, said defendants willfullyconcealed the above facts, all for 12 the purpose ofdefrauding and deceiving plaintiffand inducing the purchase of the policy. 13 [29] The representations, as aforesaid, and the policy issued by defendants, and each of 14 them, were in fact false. 15 [30] As a proximate result of said defendants'raud and deceit and the facts herein alleged, 16 plaintiffhas been induced to expend money on medical expenses, hours of time and energy in an 17 attempt to receive coverage under the subject insurance contract, as well as to incur attorney's fees 18 and costs ofsuit. 19 [31] PlaintiffNakano is entitled to recovery for general and special damffgcs as according 20 to proof. 21 [32] The aforementioned conduct of defendants, and each of them, formed an intentional 22 misrepresentation, deceit or concealment of material facts known to said defendants with the 23 intention on the part of said defendants to deprive plaintiffof property or legal rights, or otherwise 24 causing injury, and was despicable conduct that subjected plaintiffto a cruel and unjust hardship in gd a i dia egatri f pi 'ifF 'gttta, t j tify m a md f x mptmy d p itic 26 damages. 27 WHEREFORE, plaintiffprays judgment against defendants, and each ofthem, as further set 28 forth below. THIRD CAUSE OF ACTION (Breach ofCovenant ofGood Faith and Fair Dealing) [33] Plaintiffby this reference incorporates paragraphs 1 through 32, inclusive, as iffully set forth herein. 7, 10 [34] Implied in all contracts of insurance within the State of California is the covenant of good faith and fair dealing [35] At all times relevant herein, defendants, and each of them, knew that plaintiffNakano was entitled to recover her claim for damages in the amount of the loss but each and every defendant refused to negotiate or settle the matter in a fair manner with plaint iffNakano. [36] For the sole purpose of compelling plaintiffNakano to whether abandon her claim or to force plaintiffto accept a lesser sum in settlement of her claim, or ifthey persisted in seeking more to incur substantial detriinent, delay and additional expenditures in pursuing enforcement of their claim, all during which time each and every defendant would retain use of the money, said defendants, in breach of their covenant ofgood faith and fair dealing, intentionally, maliciously and 15 oppressively refused and failed to pay in accordance with the terms of the policy. [37] As a direct and proximate result of each and every defendants'rongful conduct as 17 herein alleged, plaintiff was compelled to present her claim by way of this Complaint, and in 18 connection herewith, to incur attorney's fees and costs of suit according to proof. 19 [38] As a further direct proximate result of each and every defendants'rongful conduct as 20 herein alleged, plaintiff has suffered loss of use of money owed to them by each and every 21 defendant from the date the claim should have been paid to him, all in excess of the minimum 22 jurisdictional limits of this Court. 23 [39] As a further direct and proximate result of each and every defendants'rongful [ ] gfll g and was malicious, oppressive and lraudulent in nature, and plaintiffis therefore entitled to recover28 conduct as herein alleged, plaintiff has sustained emotional and mental distress, anguish,24 embarrassment, mortification, humiliation and indignity, all to her general damage and medical25 expenses, attorney's fees and costs of suit in a sum according to proof.26 40 Each and eve defendants'ron I conduct as herein alle ed was done intentionally punitive damages/exemplary damages according to proof. 2 WHEREFORE, plaintiffNakano prays judgment against defendants, and each of them, as 3 further set forth below. FOURTH CAUSE OF ACTION (Negligence) [41] Plaintiffby this reference incorporates paragraphs 1 through 40, inclusive, as iffully6 set forth herein. 7 [42] At all times relevant herein each and every defendant owed plaintiffNakano a general8 duty of due care. [43] At all times relevant herein, and within the applicable two-year statute of limitations10 for damages arising Irom negligence causing personal injury, each and every defendant breached11 their general duty ofdue care owed to plaintiff. 12 [44] As a proximate result of the negligence of each and every defendant, plaintiffNakano13 has suffered damages to by, inter alia, not being able to obtain critical business insurance benefits,14 by not being able to replace damaged property. 15 [45] As such, plaintiff has otherwise been hurt and injured in her health, strength and16 activity, sustaining injury to her nervous system and person, all of which injuries have caused, and17 continue to cause, plaintiffgreat mental, physical and nervous pain and suffering. As a result of18 such injuries, plaintiffNakano has suffered general and special damages in amounts according to19 proof. 20 WHEREFORE, plaintiffNakano prays judgment against defendants, and each of them, as21 further set forth below. 22 23 FIFTH CAUSE OF ACTION [ViolationofInsurance Code Section 790.03(h), et seq.]24 [46] Plaintiffby this reference incorporates paragraphs I through 48, inclusive, as iffully25 set forth herein. 26 [47] At all times relevant herein each and every defendant owed plaintiffa duty ofdue care27 not to violate the terms and conditions ofInsurance Code Section 790.03(h), et seq.28 I [48] At all times relevant herein, each and every defendant breached their duties to plaintiff as set forth herein. 3 [49] As a proximate restdt of the breaches of each and every defendant, plaintiff has ' suffered damages to by, inter alia, not being able to obtain critical business insurance benefits, by not being able to replace damaged personal property. 6 [50] As such, plaintiffNakano has otherwise been hurt and injured in her health, strength 7 and activity, sustaining injury to her nervous system and person, all of which injuries have caused, 8 and continue to cause, plaintiffgreat mental, physical and nervous pain and suffering. 9 As a further result of such injuries, plaintiffIrene Nakano has suffered general and special 10 damages, as well as incurred attorney's fees and costs ofsuit, in amounts according to proof. 11 WHEREFORE, plaintiffprays judgment against each and every defendant as follows: 12 I. For general damages, mental suffering and emotional distress, all according to proof; 13 2. For special damages, according to proof; 14 3. For exemplary and punitive damages, according to proof; 15 4. For attorney's fees, according to proof; 16 5. For costs of smt herein incurred; and 17 6. For such other and further r I' 18 Dated: May 3, 2018 er. 19 20 21 Donald Charles Attorney for Plaintiff Irene Nakano 22 23 24 25 27 EXHIBIT1HIBIT GElCCX 1 PORTFOLIO Secured through GEICQ Insurance Agency One Geico Blvd Fredericksburg, VA 22412 Irene Nakano Joann Nakano 3535 CLEMENT ST SAN FRANCISCO, CA 94121-1619 GEICO Insurance Agency, Inc. Underwritten by:HOMESITE INSURANCE COMPANY OF CALIFORNIA Tel: 1-866-372-8903 To File a Claim: 1-866-621-4823 Renewal For Policy Number 32886298 August 28, 2015 Dear Irene Nakano 8 Joann Nakano, Thank you for choosing GEICO Property Insurance Program! We are happy to renew your homeowners insurance policy,underwritten by HOMESITE INSURANCE COMPANY OF CALIFORNIA. Please take a minute to review your Renewal Packet which outlines coverage for the upcoming term and explainsimportant changes to your policy. Your packetinciudes: ~ Renewal Declarations Page -This summarizes your coverage limits, deductibles, discounts, contracts,and amendments. It is important to review this information to make sure your home is adequatelyprotected. Ifyou need to make an update, please call us at 1-866-372-8903. Renewal Billing Statement -This details your premium, recent billing activity and payment plan options. We are excited to offer you outstanding service and protection in the coming year. With your renewal, you can lookforward to: Peace of mind that we understand your home and your insurance needs Fast customer support from knowledgeable experts A smooth claims experience ifyou ever need us Convenient online features that make it easy to manage your policy Questions? We'e here to help. Call us at 1-866-372-8903 Monday through Friday from 8 a.m. to 9 p.m, and Saturday from9 a.m. to 6:30 p.m. EST. Want to learn more about what discounts are available? Check out the information online atHomesite.corn/discounts. Thanks, I/- John J. Zinno President GEICO Insurance Agency, Inc. Policies are underwritten by member companies of the Homesite Group incorporated. Member companies include: Homesite Insurance Company of california lcertiricate of Authority ¹6940), Homesite Indemnity company, Homesite Insurance company of illinois, Homesite Insurance company of Florida, Homeaite Insurance Company of the Midwest, Homesite Insurance Company of New York, Homesite Insurance Company of Georgia and Homesite Uoyda's of Texas. HH 1946 CW 1012 Policy Number 32666296 Ch t C tti C ~IJ itPlease review changes to your Property Coverages which can be found on your Renewal Declarations summary underSection I - Property. Each year we evaluate your property's current replacement cost which is listed under Coverage A-Dwelling. Replacement Cost is generally defined as "the cost to replace a structure with materials of like kind and qualitywithout deduction for depreciation". Replacement cost simply reflects the cost to rebuild your home in the event of a totalloss. Your home is broken down into components (framing, roofing, etc.) and valued at the cost to reconstruct eachcomponent in today's economy taking into consideration materials, labor rates and local building codes. It is also a goodidea to re-evaluate your home's replacement cost after you have completed any remodels, upgrades or modifications toyour home. Ifyou have made any alteration to your home or believe the renewal dwelling coverage limit to beinappropriate you may contact us at any time during the policy term so that we can update our information and re-evaluateyour coverages. The Coverage A amount listed on your Declarations page, (Limitof Liability) is based on an estimate of the cost to rebuildyour home, including the cost of labor and materials in your area, and specific information you have provided about yourhome. We take care in providing these estimates; however, the costs associated with rebuilding your home are subject tothe market environment at the time of loss. While we can assist you in calculating the Coverage A amount, it is yourresponsibility to make sure we have the most up to date information about your home and the amount of coverage issufficient to rebuild your home. Ifyour policy does not currently have one of our Replacement Cost endorsements listed inthe Optional Endorsements section of this packet, we urge you to call us today and speak to one of our licensedrepresentatives about adding these coverages. Ch t C~dP ti t For this Renewal policy there are no changes to your policy language and contract. Please refer to your existing policycontract for a complete description of your coverages, exclusions and rights as a policyholder. Policies are underwriiten by member companies of the Homesite Group Incorporated. Member companies include: Homesite Insurance Company of California (Certificate of Authonty ¹6940), Homesite Indemnity Company, Homesite Insurance Company of illinois, Homesite Insurance Company of Florida, Homesite Insurance Company of the Midwest. Homesite Insurance Company of New York, Homesite Insurance Company of Georgia and Homesite Lloyds's of Texas. HH I946 CW 1012 Policy Number 32886298 GEICO Insurance Agency, Inc. Underwritten by HOMESITE INSURANCE COMPANY OFCALIFORNIA One Geico Blvd Fredericksburg, VA22412 Phone number. 1-866-372-8903 To Report a Claim: 1-866-621-4823 Irene Nakano Joann Nakano 3535 CLEMENT ST SAN FRANCISCO, CA 94121-1619 Renewal Declarations For Policy Number 32886298 Policy Period This policy covers the listed location(s) From 12:01 AM October 18, 2015 Through 12:01 AM October 18, 2016 (local time) Platinum Program Issued by Homesite Insurance Company of California Tier 001 Insured Location 3535 CLEMENT ST SAN FRANCISCO CA 94121-1619 Description of Dwelling 1919 Stucco on block, Single family home, Primary residence, 1000ft, or less from hydrant, within 5 miles from fire stationDeductible $ 1000 g In case of loss under Section I, we cover only thatQ part of the loss over the deductible stated. Coverage Section I - Property Coverage A - Dwelling Coverage B - Other Structures Coverage C - Personal Property Coverage D - Loss of Use Section ii - Liability Coverage E - Personal Liability Coverage F - Medical Payments to Others Additional Coverages See Additional Coverages on reverse side for details Surcharges See Surcharges on reverse side for details Discounts See Discounts on reverse side for details Total Authorized Representative II Limit $713,000 $71,300 $499,100, $ 142,600 i $300,000 $ 1,000 Premium $2,060. 00, Included Indudedl~ Included i $22.00 included $600.00 $ 141.00 ~$ 660.0'2,163.00 Policy Number 32886298 HHD102-1 003 Additional Coverages Limit $ 600.00 Premium Platinum Program HO 04 20 0694 Specified Additional Amount Insurance forCov A HO 04 90 0491 Personal Property Replacement CostHH 00 15 0209 Special Personal Property CoverageHO 24 82 0491 Personal Injury HO 04 66 0491 Coverage C Increased Special Limits ofLiability Increased Coverage C S urcharges HD-016 1298 New Home Credit Discounts 50% Limit Limit r$600.00 i Incl. lnck Incl.'ncl.'ncl~ Inc+i. $ 14'i.00 Premium 4660.00 Premium HD-017 1298 Deductible HD-063 1101 AffinityAuto IHO 04 16 0491 Premises Alarm or Fire Protection System Contracts and Amendments HO 00 03 0491 Special Form (HO 00 03 0491)HH 04 33 0902 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage-CAHO 01 04 0200 Special Provisions - CaliforniaHO 04 96 0491 No Section II Coverage - Home Day Care BusinessHO 24 90 0193 Workers Compensation Residence Employees - California Policy Number 32886298 HHD102-1003 Mortgagees I CAPITAL ONE NA I ISAOA ATIMA PO BOX 100595 FLORENCE, SC 29502 I 055~30 1681- ~JP Morgan Chase Bank NA ISAOA PO BOX 47208 ATLANTA,GA 30362 I N/A- f LRSC Investments, LLC 750 Lawton St SAN FRANCISCO, CA 94122l.0000n- Important Messages These Declarations are not the entire insurance policy. All information contained in the Declarationsregarding the insured, covered property, coverage limits, deductibles, and premium charges is subject tothe specific terms and conditions of the policy contract. Please read your policy contract andamendments carefully. We relied on the information you provided to underwrite and issue your insurance policy. Making surethe information we have about you is correct and up-to-date willensure your home is adequatelyprotected. Please review your "Declarations" page and check the description of your dwelling,occupancy, deductibles, coverages, and contracts and amendments. Ifany of this information needs tobe corrected, you must advise us within 30 days of receipt. You stated that: you occupy the insured property and do not rent out to more than two (2) roomers/boardersno business with more than two (2) visitors per week is conducted on the premisesno commercial or retail farming is conducted on the premisesyou do not have a dog As an Auto policyholder of one of our affinity partners, you are eligible for a discount on the basepremium of your Homeowners policy. This discount is shown in the Discounts section of our declarationpages as AffinityAuto. You are entitled to this discount as long as you remain with your current AutoInsurance carrier. Ifat any time that policy is cancelled and you no longer have auto insurance with thisaffinitypartner, you will no longer be eligible for this discount. This policy includes building code upgrade coverage ("Ordinance or Law") up to 10% of the limitshownfor Coverage A in these declarations. This coverage does not apply to any loss in value to a coveredstructure, or to costs related to pollutants affecting any covered structure. Please review your policycarefully. It is your responsibility to ensure the amount of Coverage A (Limitof Liabilityfor this structure) issufficient to rebuild your home. Any coverage recommendation you may have received is based in parton an estimate of the Replacement Cost of your home. Replacement Cost is generally defined as "thecost to replace a structure with materials of like kind and quality without deduction for depreciation". It isa good idea to reevaluate your home's replacement cost after you have completed any remodels,upgrades or modifications to your horne. Ifyou have made any alteration to your home, please contactUs. You have the right to designate a person to receive notice of lapse, termination, expiration, nonrenewal, orPolicy Numbor 32886298 HHD102-1003 cancellation for nonpayment of premium. In order to designate a person you may contact us at(866) 960-8609 for more information. In the event we fail to give you either an offer of renewal or notice of nonrenewal as required by law, theexisting policy, with no change in its terms and conditions, shall remain in effect for 45 days from the datethat either the offer to renew or the notice of nonrenewal is mailed to the named insured. Policy Number 32886298 HHD102-1 003 GEN CL j PORTFOLIO Secured through GEICO Insurance Agency One Geico Blvd Frederlcksburg, VA 22412 Irene Nakano Joann Nakano 3535 CLEMENT ST SAN FRANCISCO, CA 94121-1619 GEICO Insurance Agency, Inc. Underwritten by:HOMESITE INSURANCE COMPANY OF CALIFORNIA Tel: 1-866-372-8903 To File a Claim: 1-866-621-4823 RENEWAL BILLINGSTATEMENT Policy Number. 32886298 Policy Term: October 18, 2015 -October 18, 2016Payment Plan: 10 Pay Plan ifyou have any questions, please call us at 1-866-372-8903 Property Address: 3535 CLEMENT ST SAN FRANCISCO, CA 94121-1619 See reverse for otherim portent information.BillingSummary (reflects activity this billing period) PRIOR BALANCE 07-24-2015 $327.84RENEWAL POLICY PREMIUM 10-18-2015 $2,163.00NEW BALANCE 08-24-2015 $2,49th84 Minimum Amount Due: $868.59 Important Note: You can pay by phone with your credit card or an electronic check. Any check orelectronic payment returned by our bank may be subject to a $ 10.00 fee. For your convenience andinstallment fee savings, please consider paying via automated recurring deductions from your checkingaccount. For fee details, please see page 2. Bill Schedule (based on current payment plan)* Statement Date: August 28, 2015 *Amount Due includes a $5.00 fee for each installment. You may pay your entire balance at any time. Access your policy online and Go Papertess at www.homesite.corn/mvpo~lic . REMITTANCE SLIP tBKIC'CLIPORTFOLIO e ere ree Ilereerh GEICO eleereere Agency Please detach and return with your paymentRemember to write your Policy Number on your check.Make check payable to HOMESITE INSURANCE HOMESITE INSURANCE P 0 Box 414356 Boston, MA02241-4356 III, I,I I II I -III ,I„II I,L II ,I,I It , I II Due Date: October 18, 2015 Amount Due: $868.59 Amount Enclosed: 00063288629822015082420151023000086859000002490841 42008Policy Number 32886298 HH A101-0401 BillingStatement (P.2) Important Information Payment Plan Ootions Ten Payment(Monthly)* ue Details One Payment 00 The full policy premium is due on the effective date. No servicefee applies 25% of policy premium is due on the effective date. Remaining75 balance will be billed in 9 monthly installments. An installment I fee willbe applied to each installment after the first bill.Four Payment (Quarterly) 40% of policy premium is due on the effective date. RemainingL $865.20 balance will be billed in 3 quarterly installments. An installment~ b Ppl d ft th f \ bill.*Installinent fee is $5.00. EFT fee is $3.00 Service Charges: You may be charged a $ 15.00 service fee ifwe issue you a legal notice of cancellation fornon-payment of premium. Recurring Payments: To eliminate check writing, sign up for payment deductions from your checking account.Your premium due willbe paid automatically. For enrollment details, contact Customer Service at the phonenumber shown on the front side. Menu of Optional Endorsernents A complete list of your policy's coverage limits can be found on your declarations summary. In addition to thesecoverages, we offer a wide range of optional endorsements that can be added to your policy to enhance theprotection of your home and personal property, as well as extend additional protections for liabilityand relatedrisks. We also have a number of discounts and credits that may reduce your premium. We urge you to review these coverage and premium options. Please note, ifcoverages do not appear on yourdeclarations summary, they are not included in your policy. Ifthere are other coverages that you would like toadd, or ifyou have any questions, you can check out more information online at Homesite.corn or you cancontact Customer Service at 1-866-372-8903 to discuss any changes to your policy. Optional Endorsements and Coverages Below we have outlined a list of our most common endorsements as well as a few more ways Homesite can helpprotect your home and your peace of mind. Dwellino Covera~es Extended Replacement Cost on Dwelling Increased Limits on Other Structures Personal Pronertv Coveraaes Replacement Cost on Personal Property Increased Limits on Personal Property Increased Limits on Business Property Scheduled Personal Property Special Computer Coverage Identity Theft LiabilitvCoveraoes Loss Assessment Coverage Personal Injury Description of Coveraoe This endorsement provides additional coverage of up to 25% or 50% of yourDwelling Coverage ifthe amount to replace your home exceeds the amountof coverage provided by your policy. To protect structures other than your home you can purchase thisendorsement. It provides an additional limit for specified structures on theresidence premises covered under Coverage B. When you purchase this endorsement, you can replace stolen or destroyedpersonal property with items of like kind and quality without deduction fordepreciation. This endorsement offers you the ability to increase certain personal propertycoverages from the standard homeowner's limit. For example, the basehomeowner's policy covers the theft of valuable silverware for up to $2,500.With this endorsement you can choose to increase that coverage to $ 10,000. For an additional premium, this endorsement increases your coverage for"business" property on and off the "residence premises". This endorsement allows us to offer open perils coverage for your valuableitems such as jewelry, furs, cameras, musical instruments, silverware, finearts, and golfer's equipment. Losses on scheduled items are not subject to adeductible and these items would be covered up to their insured value. We know your computers are Important, that's why we offer thisendorsement. It broadens the coverage for your computer due to directphysical loss. For example, ifyou accidentally spill a glass of water on thecomputer, the resulting damage would be covered. Recovering from identity theft can be time-consuming and costly. In theevent your identity is stolen, this endorsement covers up to $ 15,000 ofexpenses you incur as a direct result of identity theft. This coverage is onlysubject to a deductible ranging from $ 250-$ 500. This endorsement provides additional protection for assessments made byyour homeowners or condominium owners association resulting from loss toassociation property or from a claim for bodily injury or property damagearising out of the property. With this endorsement, you can extend the limitof Personal Liabilityon yourhomeowner's policy to cover you against libel, slander, and invasion ofprivacy. HH 12 48 CW 05 15 Other Coveraae Ootions Earthquake Water Back up and Sump Overflow Discounts and Credits You may add this endorsement to cover your property against losscaused by an earthquake. This coverage is subject to a separatedeductible. In California, this coverage is offered through the CaliforniaEarthquake Auth odity (C EA). Provides coverage for direct physical loss due to water backing upthrough sewers or drains and water that overflows from a sump. This isnot flood coverage, which requires a separate policy. Check out our discounts and other ways to save. Discounts Welcome Home/Home As our waPurchase Discount receive a d Moving In Discount Drive Home lAffinity Discount Roofit Over/Age of Roof Discount lAge ofHomeNew Construction Discount y of congratulating you on your new home purchase, you couldiscount when you buy a new home. Moving from an apartment or condo into a new home? Congratulations!You could receive a discount just for staying with Homesite. Weappreciate your continued business and willalways be there for you asyour needs change. We'e happy to help with all of your insurance needs. Ifyou bundle yourhome and auto policies together, you could receive a 10% discount. When your roof is less than 10 years old or you decide to purchase anew roof make sure to let us know, you may qualify for a discount onyour homeowners insurance premium. New homes have the benefit of advances in building technology and areless likely to have a claim. We understand this and offer a discountbased on the age of your home. Safety First/Premises Alarm or Fire Protection System Discount Better Together Gets Better with Age /Retired Occupant Discount Other Wavs to Save increased Deductibles We like that you value home safety as much as we do. Ifyou have eithercentral monitored or direct-line fire or burglar alarms, or ifyou havesprinklers in every room of your home, you could receive a discount. Now you can save on those endorsements that you would havepurchased anyway. Homesite offers two endorsement package optionsthat cost less than ifyou bought the endorsements by themselves. Ifyou'e above a certain age or retired, you could receive a discount.Eligibilitymay vary depending on your area and availability. Check withus to see ifyou qualify. By increasing your deductible(s) you can lower the cost of your annualinsurance premium. For instance, increasing your regular deductible to$2,500 may decrease your premium significantly. *Availabilitvand eliaibilitvreauirements varv bv state. oolicv tvoe. oolicv terms and underwritingcomoanv. Discounts willbe automaticallv aoolied based on vour eliaibilitv.Additional endorsements and credits are subiect to availabili tv and aualification. "* HH I2 48 CW 05 15 HOMEOWNERS HH 00 15 02 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.SPECIAL PERSONAL PROPERTY COVERAGE Form HO 00 03 Only For an additional premium, the Perils InsuredAgainst under Coverages A, 8 and C are deletedand replaced by the following: SECTION I -PERILS INSURED AGAINST We insure against risk of direct loss to propertydescribed in Coverages A, 8 and C, only if thatloss is a physical loss to property. We do not insure, however, for loss: 1. Under Coverages A, B and C: a. Excluded under SECTION I - EXCLUSIONS; b. Caused by: (1) Freezing of a plumbing, heating, airconditioning or automatic fire protective sprinkler system or of ahousehold appliance, or bydischarge, leakage or overflow fromwithin the system or appliance caused by freezing. This exclusion applies only while the dwelling isvacant, unoccupied or being constructed, unless you have used reasonable care to: (a) Maintain heat in the building; or (b) Shut off the water supply and drain the system and appliancesof water; (2) Freezing, thawing, pressure or weightof water or ice, whether driven bywind or not, to a: (a) Fence, pavement. patio or swimming pool; (b) Foundation, retaining wall, or bulkhead; or (c) Pier, wharf or dock; (3) Theft in or to a dwelling under construction, or of materials and supplies for use in the construction until the dwelling is finished and occupied; (4) Any of the following: (a) Wear and tear, marring, deterioration; (b) Inherent vice, latent defect, mechanical breakdown; (c) Smog, rust or other corrosion, mold, wet or dry rot; (d) Smoke from agricultural smudgingor industrial operations; (e) Discharge, dispersal, seepage, migration, release or escape of pollutants unless the discharge, dispersal, seepage, migration, release or escape is itself caused by one or more of the Perils insured Against that would applyunder Coverage C of the policyform if this endorsement were not attached to the policy form. Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis,chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed; (f) Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings; (g) Birds, vermin, rodents, or insects;or (h) Animals owned or kept by an"insured." If any of these cause water damagenot otherwise excluded, from a plumbing, heating, air conditioning orautomatic fire protective sprinkler system or household appliance, wecover loss caused by the water including the cost of tearing out andreplacing any part of a building necessary to repair the system or appliance. We do not cover loss to the systemor appliance from which this water escaped. Under items (1) through (4), any ensuingloss to property described in Coverages A,B and C not excluded or excepted in thispolicy is covered. 2. Under Coverages A and B: a. Caused by vandalism and malicious mischief if the dwelling has been vacant for more than 30 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant. HH 00 15 02 09 Includes copyrighted material of Insurance Services Office, Inc. With its permission Copyright Insurance Services Office, Inc., 1990 Page 1 of 2 b. Involving collapse, other than as provided in Additional Coverages 8. Collapse. However, any ensuing loss to property described in Coverages A and B not excluded or excepted in this policy is covered. 3. Under Coverage C caused by: a. Breakage of: (1) Eyeglasses, glassware, statuary, marble; (2) Bric-a-brac, porcelains and similar fragile articles other than jewelry,watches, bronzes, cameras and photographic lenses. There is coverage for breakage of the property by or resulting from: (1) Fire, lightning, windstorm, hail; (2) Smoke, other than smoke from agricultural smudging or industrial operations; (3) Explosion, riot, civil commotion; (4) Aircraft, vehicles, vandalism andmalicious mischief, earthquake orvolcanic eruption; (5) Collapse of a building or any part of a building; (6) Water not otherwise excluded; (7) Theft or attempted theft; or (8) Sudden and accidental tearing apart, cracking, burning or bulging of: (a) A steam or hot water heating system; (b) An air conditioning or automatic fire protective sprinkler system; or (c) An appliance for heating water; b. Dampness of atmosphere or extremes oftemperature unless the direct cause ofloss is rain, snow, sleet or hail; c. Refinishing, renovating or repairing property other than watches, jewelry andfurs; d. Collision, other than collision with a land vehicle, sinking, swamping or strandingof watercraft, including their trailers, furnishings, equipment and outboard engines or motors; e. Destruction, confiscation or seizure byorder of any government or public authority; or f. Acts or decisions, including the failure toact or decide, of any person, group,organization or governmental body.However, any ensuing loss to propertydescribed in Coverage C not excludedor excepted in this policy is covered. SECTION I - COVERAGE C - PERSONALPROPERTY The Special Limits of Liability items 5., 6., and7., are deleted and replaced by the following: 5. $ 1,000 for loss by theft, misplacing or losingof jewelry, watches, furs, precious andsemi-precious stones. 6. $2,000 for loss by theft, misplacing or losingof firearms. 7. $ 2,500 for loss by theR, misplacing or losingof silverware, silver-plated ware, goldware,gold-plated ware and pewterware. Thisincludes flatware, hollowware, tea sets,trays and trophies made of or includingsilver, gold or pewter. SECTION I -ADDITIONALCOVE RAGES 8. Collapse Paragraph a. is deleted and replaced by thefollowing: a. Perils Insured Against in Coverages Aand B. The following paragraph is also added: This additional coverage does not apply toCoverage C -Personal Property. SECTION I -EXCLUSIONS 1.c. Water Damage. The following paragraphsare added: Water damage to property described inCoverage C away from a premises orlocation owned, rented, occupied orcontrolled by an "insured" is covered. Water damage to property described inCoverage C on a premises or locationowned, rented, occupied or controlled by an"insured" is excluded even if weatherconditions contribute in any way to producethe loss. All other provisions of this policy apply. HH 00 15 02 09 includes copyrighted material of Insurance Services Office, Inc. With its permission Copyright Insurance Services Office, Inc., 1990 Page 2 of 2 HOMEOWNERS HH 04 33 09 02 THIS ENDORSENIENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITEDFUNGI, WET OR DRY ROT, OR BACTERIA COVERAGE FOR USE WITH FORM HO 00 03 WITH HO 00 15 AND FORM HO 00 06 WITH HO 17 31 OR HO 17 32 SCHEDULE'hese limits of liabilityapply to the total of all loss or costs payable under this endorsement, regardless of the Inumber of "occurrences", the number of claims made, or the number of locations insured under thisendorsement and listed in this Schedule. 1. 'Section I - Property Coverage Limit Of Liabilityfor the Additional Coverage "Fungi", Wet Or i $2,500Dry Rot, Or Bacteria 2. Section II - Coverage E Aggregate Sublimit Of Liabilityfor "Fungi", Wet Or Dry Rot, OrBacteria $25,000 *Entries may be left blank if shown elsewhere in this policy for this coverage. DEFINITIONS The following definition is added: "Fungi" a. "Fungi" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or byproducts produced or released by fungi. b. Under Section II, this does not include any fungi that are, are on, or are contained in, a good or product intended for consumption. SECTION I - PROPERTY COVERAGES ADDITIONALCOVERAGES The following Additional Coverage is added: 12. "Fungi", Wet Or Dry Rot, Or Bacteria a. The amount shown in the Schedule above is the most we will pay for: (1) The total of all loss payable under Section I - Property Coverages caused by "fungi", wet or dry rot, or bacteria; (2) The cost to remove "fungi", wet or dry rot, or bacteria from property covered under Section I - Property Coverages; (3)The cost to tear out and replace any partof the building or other covered property asneeded to gain access to the "fungi", wet or dry rot, or bacteria; and (4)The cost of testing of air or property to confirm the absence, presence or level of"fungi", wet or dry rot, or bacteria whether performed prior to, during or after removal, repair, restoration or replacement. The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of "fungi", wet or dry rot, or bacteria. b. The coverage described in 12.a. only applies when such loss or costs are a result of aPeril Insured Against that occurs during the policy pedod and only if all reasonable means were used to save and preserve the property fromfurther damage at and after the time the Peril Insured Against occurred. HH 04 33 09 02 Copyright ISO Properties, Inc., 2002 Page 1 of 3 c. The amount shown in the Schedule for this coverage is the most we will pay for the total ofall loss or costs payable under this Additional Coverage regardless of the: (1) Number of locations insured under this endorsement; or (2) Number of claims made. d. If there is covered loss or damage tocovered property, not caused, in whole or in part, by "fungi", wet or dry rot, or bacteria, loss payment will not be limited by the terms of this Additional Coverage, except to the extent that"fungi", wet or dry rot, or bacteria causes anincrease in the loss. Any such increase in theloss will be subject to the terms of this Additional Coverage. This coverage does not increase the limit of liability applying to the damaged covered property. (This is Additional Coverage 11. in Form HO 00 06.) SECTION I - PERILS INSURED AGAINST in Form HO 00 03 with HO 00 15: Paragraph 1.b.(4)(c) is deleted and replaced by thefollowing: (c) Smog, rust or other corrosion; Paragraph 1.b.(4)(i) is added: (i) Constant or repeated seepage or leakage of water or the presence or condensation of humidity, moisture or vapor, over a period of weeks, months or years unless such seepageor leakage of water or the presence or condensation of humidity, moisture or vapor and the resulting damage is unknown to all"insureds" and is hidden within the walls orceilings or beneath tne floors or above the ceilings of a structure. In Form HO 00 06 with HO 17 31: Paragraph 3.d.(3) is deleted and replaced by thefollowing: (3) Smog, rust or other corrosion; Paragraph 3.d.(9) is added: (9) Constant or repeated seepage or leakageof water or the presence or condensation of humidity, moisture or vapor, over a period of weeks, months or years unless such seepage or leakage of water or the presence or condensation of humidity, moisture or vapor and the resulting damage is unknown to all "insureds" and ishidden within the walls or ceilings or beneath the floors or above the ceilings of a structure. In Form HO 00 06 with HO 17 32: Paragraph 2.e.(3) is deleted and replaced by thefollowing: (3) Smog, rust or other corrosion; Paragraph 2.e.(9) is added: (9) Constant or repeated seepage or leakageof water or the presence or condensation ofhumidity, moisture or vapor, over a period ofweeks, months or years unless such seepage or leakage of water or the presence or condensationof humidity, moisture or vapor and the resulting damage is unknown to all "insureds" and ishidden within the walls or ceilings or beneath thefloors or above the ceilings of a structure. SECTION I - EXCLUSIONS Exclusion 1.i. is added. i. "Fungi", Wet Or Dry Rot, Or Bacteria "Fungi", Wet Or Dry Rot, Or Bacteria meaningthe presence, growth, proliferation, spread or anyactivity of "fungi", wet or dry rot, or bacteria. This Exclusion does not apply: (1) When "fungi", wet or dry rot, or bacteria results from fire or lightning; or (2) To the extent coverage is provided for in the "Fungi", Wet Or Dry Rot, Or Bacteria Additional Coverage under Section I - Property Coverages with respect to loss caused by aPeril Insured Against other than fire or lightning. Direct loss by a Peril Insured Against resultingfrom "fungi", wet or dry rot, or bacteria is covered. (This is Exclusion 9. in Form HO 00 06.) SECTION II - CONDITIONS Condition 1. Limit Of Liability is deleted and replaced by the following: 1. Limit Of Liability Our total liability under Coverage E for all damages resulting from any one "occurrence" will not be morethan the Coverage E limit of liability shown in the Declarations. This limit is the same regardless of thenumber of "insureds", claims made or persons injured. All "bodily injury" and "property damage" resulting from any one accident or from continuous or repeated exposure to substantially the same general harmful conditions will be considered to bethe result of one "occurrence". Our total liability under Coverage F for all medical expense payable for "bodily injury" to one person asthe result of one accident will not be more than theCoverage F limit of liability shown in the Declarations. HH 04 33 09 02 Copyright ISO Properties, Inc., 2002 Page 2 of 3 However, our total liability under Coverage E for thetotal of all damages arising directly or indirectly, inwhole or in part, out of the actual, alleged orthreatened inhalation of, ingestion of, contact with,exposure to, existence of, or presence of any "fungi",wet or dry rot, or bacteria will not be more than theSection II - Coverage E Aggregate Sublimit OfLiability for "Fungi", Wet Or Dry Rot, Or Bacteria. That sublimit is the amount shown in the Schedule. This is the most we will pay regardless of the: a. Number of locations insured under the policy to which this endorsement is attached; b. Number of persons injured; c. Number of persons whose property is damaged; d. Number of "insureds"; or e. Number of "occurrences" or claims made. This sublimit is within, but does not increase, the Coverage E limit of liability. It applies separately toeach consecutive annual period and to anyremaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations. With respect to damages arising out of "fungi", wetor dry rot, or bacteria described in 1. Limit OfLiability of this endorsement, Condition 2.Severability Of Insurance is deleted and replaced by the following: 2. Severability Of Insurance This insurance applies separately to each "insured" except with respect to the Aggregate Sublimit ofLiability described in this endorsement under Section II - Conditions 1., Limit Of Liability. This condition will not increase the limit of liability for this coverage. SECTION I AND II CONDITIONS Condition 1. Policy Period is deleted and replaced by the following: 1. Policy Period This policy applies only to loss or costs in Section Ior "bodily injury" or "property damage" in Section II,which occurs during the policy period. All other provisions of the policy apply. HH 04 33 09 02 Copyright ISO Properties, Inc., 2002 Page 3 of 3 GEICO Insurance Agency, Inc. Underwritten by HOMESITE INSURANCE COMPANY OF CALIFORNIAOne Geico Blvd Fredericksburg, VA 22412 Phone number. 1-866-372-8903 To Report a Claim: 1-866-621-4823 California Residential Property Insurance BillofRights The largest single investment most consumers make is their home and related property. In order tobest protect these assets, it is wise for consumers to understand the homeowner's insurance market.Consumers should consider the following: Read your policy carefully and understand the coverage and limits provided. Homeowner's insurancepolicies contain sublimits for various coverages such as personal property, debris removal, additionalliving expense, detached fences, garages, etc. Keep accurate records of renovations and improvements to the structures of your home, as it couldaffect your need to increase your coverage. Maintaining a list of all personal property, pictures, and video equipment may help in the case of aloss. The list should be stored away from your home. Comparison shop for insurance, as not all policies are the same and coverage prices vary. Take time to determine the cost to rebuild or replace your property in today's market. You can seekan independent evaluation of this cost. You may select a licensed contractor or vendor to repair, replace, or rebuild damaged propertycovered by the insurance policy. An agent or insurance company may help you establish policy limits that are adequate to rebuild yourhome. Once the policy is in force, contact your agent or insurance company immediately ifyou believe yourpolicy limits may be inadequate. A consumer is entitled to receive information regarding homeowner's insurance. The following is alimited overview of information that your insurance company can provide: The California Residential Property Insurance Disclosure. An explanation of how your policy limits were established. HHI 029 0611 Page 1 of 2 The insurance company's customer service telephone number for underwriting, rating, and daimsinquires. A written explanation for any cancellation or nonrenewal of your policy. A copy of your policy. The toll-free telephone number and Internet address for reporting complaints and concerns abouthomeowner's insurance issues to the department's consumer services unit. In the event of a claim, an itemized, written scope of loss report prepared by the insurer or its adjusterwithin a reasonable time period. In the event of a claim, notification of a consumer's rights with respect to the appraisal process forresolving claims disputes. in the event of a claim, a copy of the Unfair Practices Act and a copy of the Fair Claims PracticesRegulations. An offer of coverage and premium quote for earthquake coverage, if eligible This insurer reports claim information to one or more claims information databases. The claiminformation is used to furnish loss history reports to insurers. Ifyou are interested in obtaining areport from a claims information database, you may do so by contacting: A-PLUS Consumer Inquiry Center 545 Washington 8oulevard Loc. 226 Jersey City, NJ 07302 Telephone: 1-800-709-8842 The information provided herein is not all inclusive and does not negate or preempt existing Californialaw. Ifyou have any concerns or questions, the officers at your Consumer Hotline are there to helpyou. Please call them at 1-800-927-HELP (4357) or contact us at www.insurance.ca.gov. HHI 029 0611 Page 2 of 2 GEICO Insurance Agency, Inc. Underwditten by HOMESITE INSURANCE COMPANY OF CALIFORNIAOne Geico Blvd Fredericksburg, VA 22412 Phone number: 1-866-372-8903 To Report a Claim: 1-866-621-4823 Customers with prior property claims may have an increased premium. HOMESITE INSURANCECOMPANY OF CALIFORNIAuses company records as well as data obtained from A-PLUS todetermine claims history. To determine ifyour claims history has impacted your premium, please call: GEICO Insurance Agency, Inc. Customer Service Telephone: 1-866-372-8903 Under Section 612 of the Fair Credit Reporting Act you have the right to obtain a free copy of yourproperty loss report within 60 days by request to: A-PLUS Consumer Inquiry Center 545 Washington Boulevard 22"'loor Jersey City, NJ 07310 - 1686 Telephone: 800-709-8842 Under Section 611 of the Fair Credit Reporting Act you also have the right to dispute the accuracy orcompleteness of any information A-PLUS furnished in this report, by notifying them directly of thedispute. Please note that A-PLUS does not participate in determining your premium, and cannot give thespecific information on our rates. HHI201SS 0605 GEICO Insurance Agency, Inc. Underwritten by HOMESITE INSURANCE COMPANY OF CALIFORNIAOne Geico Blvd Fredertcksburg, VA 22412 Phone number: 1-866-372-8903 To Report a Claim: 1-866-621-4823 Consumer Contacts - California GEICO Property Insurance Program's insurance specialists will be glad to assist you withpolicy changes or questions, at 1466-372-8903. Our Customer Affairs and Information Department also responds to questions and complaints.Please send correspondence to: Homesite Insurance P.O. Box 5300 Binghamton, NY 13902-9953 Attention: Consumer Affairs Or call 617-832-1300 (collect calls accepted). If you call, we may request that you also send aletter to document your inquiry. The California Department of Insurance Consumer Services Division (CSD) responds toquestions and complaints about insurance matters from California residents. The CSD requests that you discuss any concerns with us or your agent or broker first and onlycontact them ifwe are unable to resolve the issue to your satisfaction. California Department of Insurance Consumer Services Division 300 S. Spring St., South Tower Los Angeles, CA 90013 (800) 927HELP (4357) (213) 897-8921 (Los Angeles and out of state) TDD: (800) 4824TDD (4833) HM IO 06 CA 0115 GEICO Insurance Agency, Inc. Underwritten by HOMESITE INSURANCE COMPANY OF CALIFORNIAOne Geico Blvd Fredericksburg, VA 22412 Phone number: 1-866-372-8903 To Report a Claim: 1-866-621-4823 Flood Coverage Disclosure Notice Allhomeowner insurance policyholders are cautioned that: Your policy excludes coverage for damage caused by flooding of all types. This exclusionmay exclude any and all damages resulting from storm surge from a hurricane, surface water,flash floods, waves, tidal water, tidal waves, wind driven rain or water, or any other overflow ofwater, and spray from any of these events. For further details, please see the language ofyour policy. The language of your policy will control the obligations of the parties. You are further advised that to be covered for such a loss, you will have to obtain a separateflood insurance policy through the National Flood Insurance Program (NFIP). Ifavailable inyour location, the NFIP can provide both structure and contents coverage. You can contact the National Fiood Insurance Program at: National Flood Insurance Program P.O. Box 619 Lanham, MD 20706 (800) 427-4661 (888) 379-9531 www.dood~omod. ov HAI033 CW 0814 32886298 GEICO Insurance Agency, Inc. Underwritten by HOMESITE INSURANCE COMPANY OF CALIFORNIAOne Geico Blvd Fredericksburg, VA 22412 Phone number: 1-866-372-8903 To Report a Claim: 1-866-621-4823 Notice of Insurance Information Practices Issued by HOMESITE INSURANCE COMPANYOF CALIFORNIA The Homesite Insurance Companies ("Homesite" ) use information from many sources. This assists us to fairlydetermine eligibilityfor our programs and ensure accurate rates for all policies. Using this information alsospeeds the application process. How we may collect, use and disclose this information is regulated by law, and we would like you to be aware ofour practices and how they may affect your privacy. Following is a description of the kinds of information we may collect, how we may collect it, and what is donewith the information once it has been collected. We also describe how you can find out what information wehave about you in our records or files, and how you can correct inaccurate information. We follow thesepractices with your information whether you are a policyholder, claimant, former policyholder, or just an inquiringconsumer. What kind ofinformation do we collect about you? Most of our information comes directly from you. The information you provide when you call us, complete anapplication, make a policy change or report a claim gives us most of the information we need to know. Thisinformation, of course, includes identifying information such as name and address, as well as your type of homeand claims history. We may also obtain information such as credit reports, claims history, and investigative reports from othersources. We may send someone to inspect your property. The information we obtain about you may come from other insurance companies, insurance supportorganizations, or sources such as credit bureaus and property data collection services. What do we do with the information collected about you? We may, as permitted by law, disclose information about you in our records or files to certain persons ororganizations without your prior permission. These include: Other insurance institutions, financial institutions, agents, or insurance supportorganizations. * Persons who perform a business, professional, or insurance function for us.* Businesses that conduct actuarial or research studies.* Insurance regulatory authorities. * Law enforcement or other governmental authorities.* Our affiliated companies who assist our insurance business activities.Confd. HMI002 0115 Notice of Insurance Information Practices Your information may be provided to others in the following circumstances, as permitted by law, for them to: Perform a business, professional, or insurance function for us.Provide information to us in order to a. Determine your eligibilityfor an insurance benefit or payment, orb. Detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosurein connection with an insurance transaction. Perform a function in connection with an insurance transaction involving you.Conduct an audit of our operations or services. Conduct a joint marketing program with Homesite pursuant to a joint marketing agreement. The information we obtain about you from a report prepared by an insurance support organization may beretained by the insurance support organization and disclosed to other sources. We may consider your claims history and future losses in determining whether to decline, cancel, nonrenew, orsurcharge your policy. Claims incurred willalso be reported to an insurance support organization. How confidential and secure is the information we have about you P Homesite protects the confidentiality of the information that we have about you by restricting access to thoseemployees who need to know that information to provide our products and services to you. We maintainphysical electronic and procedural safeguards that comply with federal and state regulations to guard yourinformation. How can you find out whatinformation we have about youP You have the right to know what information we have about you in our insurance records or files. To obtain thisinformation, provide to us in writing an identification of yourself and a reasonable explanation of the informationyou desire. Ifthe information can be reasonably located and obtained, we will inform you of its nature andsubstance within thirty (30) business days from the day we receive the request. You may personally see andobtain the information, or ifyou prefer, we willmail the information to you. We willalso inforin you who hasreceived this information within the last two (2) years, or, ifnot recorded, to whom such information is normallydisclosed. What can you do ifyou disagree with the information we have about youP You have the right to make a written request that we correct, delete, or change any recorded information wehave about you in our records or files. Ifwe agree to comply with your request, we will notify you within thirty (30) business days of receiving yourrequest. We will then furnish the amended information to any person you designate, who may have receivedthe information within the past two (2) years, as well as to any person or organization who either supplied us withthe information or to whom we disclosed it. If we are unable to comply with your request, we willnotify you within thirty (30) business days of receiving yourwritten request with the reasons for our decision. Ifyou disagree with the reasons for our decision, you have theriight to file a concise statement of what you think is correct, relevant or fair information. Your statement willbefiled with the disputed information and will be furnished to any person, insurance institution, agent or insurancesupport organization who either supplied us with information or to whom we disclosed it. Your statement willalso be furnished to anyone reviewing the disputed information. HMI002 0115 Notice of Insurance Information Practices GEICO Insurance Agency, lnc. Underwritten by HOMESITE INSURANCE COMPANY OF CALIFORNIAOne Geico Blvd Fredericksburg, VA 22412 Phone number: 1-866-372-8903 To Report a Claim: 1-866-621-4823 California Residential Property Insurance Disclosure This disclosure is required by California law (Section 10102 of the Insurance Code). It describes theprincipal forms of insurance coverage in California for residential dwellings. It also identifies the formof dwelling coverage you have purchased or selected. This disclosure form contains only a general description of coverages and is not part of yourresidential property insurance policy. Only the specific provisions of your policy will determinewhether a particular loss is covered and, if so, the amount payable. Regardless of which type ofcoverage you purchase, your policy may exclude or limitcertain risks. READ YOUR POLICY AND POLICY DECLARATIONS PAGE CAREFULLY:The policy declarationspage shows the specific coverage limits you have purchased for your dwelling, personal property,separate structures such as detached garages, and additional living expenses. The actual policy andendorsements provide the details on extensions of coverage, limitations of coverage, and coverageconditions and exclusions. The amount of any claim payment made to you will be reduced by anyapplicable deductibles shown on your policy dedarations page. It is important to take the time toconsider whether the limits and limitations of your policy meet your needs. Contact your agent, broker,or insurance company ifyou have questions about what is covered or ifyou want to discuss yourcoverage options. Ifyou do not understand any part of it or have questions about what it covers,contact your insurance agent or company. You may also call the California Department of Insuranceconsumer information line at (800) 927-HELP (4357). (In the Los Angeles area, dial (213) 897-8921.) The cost to rebuild your home may be very different from the market value of your home sincereconstruction is based primadily on the cost of labor and materials. Many factors can affect the costto rebuild your home, including the size of your home, the type of construction, and any uniquefeatures. Please review the following coverages carefully. Ifyou have questions regarding the levelof coverage in your policy, please contact your insurance agent or company. Additional coveragemay be available for an additional premium. This disclosure form does not explain the types of contents coverage (furniture, clothing, etc.)provided by your policy. Some policies do not replace contents with new items, but instead, only payfor the current market value of an item. If you have any questions, contact your insurer or agent. Dwelling Coverage selected or purchased: 3. LIMITEDREPLACEMENT COST COVERAGE WITH AN ADDITIONALPERCENTAGE PAYSREPLACEMENT COSTS UP TO A SPECIFIED AMOUNTABOVE POLICY LIMIT. 6. BUILDINGCODE UPGRADE-ORDINANCE AND LAWCOVERAGE PAYS, UP TO LIMITSSPECIFIED IN YOUR POLICY, ADDITIONALCOSTS REQUIRED TO BRING THE DWELLING"UP TO CODE." HMI 008 0611 Page 'I of 5 FORMS OF COVERAGE FOR DWELLINGS 1. GUARANTEED REPLACEMENT COST COVERAGE WITH FULL BUILDINGCODEUPGRADE PAYS REPLACEMENT COSTS WITHOUTREGARD TO POLICY LIMITS, ANDINCLUDES COSTS RESULTING FROM CODE CHANGES. In the event of any covered loss to your home, the insurance company will pay the full amount neededto repair or replace the damaged or destroyed dwelling with like or equivalent construction regardlessof policy limits. Your policy will specify whether you must actually repair or replace the damaged ordestroyed dwelling in order to recover guaranteed replacement cost. The amount of recovery will bereduced by any deductible you have agreed to pay. This coverage includes all additional costs of repairing or replacing your damaged or destroyeddwelling to comply with any new building standards (such as building codes or zoning laws) requiredby government agencies and in effect at the time of rebuilding. To be eligible to recover fullguaranteed replacement costs with building code upgrade, you must insure the dwelling to its fullreplacement cost at the time the policy is issued, with possible periodic increases in the amount ofcoverage to adjust for inflation and increases in building costs; you must permit inspections of thedwelling by the insurance company; and you must notify the insurance company about any alterationsthat increase the value of the insured dwelling by a certain amount (see your policy for that amount). 2. GUARANTEED REPLACEMENT COST COVERAGE WITH LIMITEDOR NO BUILDINGCODE UPGRADE PAYS REPLACEMENT COSTS WITHOUT REGARD TO POLICY LIMITSBUT LIMITSOR EXCLUDES COSTS RESULTING FROM CODE CHANGES. In the event of any covered loss to your home, the insurance company will pay the full amount neededto repair or replace the damaged or destroyed dwelling with like or equivalent construction regardlessof policy limits. Your policy will specify whether you must actually repair or replace the damaged ordestroyed dwelling in order to recover guaranteed replacement cost. The amount of recovery will bereduced by any deductible you have agreed to pay. This coverage does not include all additional costs of repairing or replacing your damaged ordestroyed dwelling to comply with any new building standards (such as building codes or zoning laws)required by government agencies and in effect at the time of rebuilding. Consult your policy for theapplicable exclusions or limits with respect to these costs. To be eligible to recover full guaranteed replacement cost with limited or no building code upgrade,you must insure the dwelling to its full replacement cost at the time the policy is issued, with possibleperiodic increases in the amount of coverage to adjust for inflation and increases in building costs; youmust permit an inspection of the dwelling by the insurance company; and you must notify theinsurance company about any alterations that increase the value of the insured dwelling by a certainamount (see your policy for that amount). 3. LIMITEDREPLACEMENT COST COVERAGE WITH AN ADDITIONALPERCENTAGE PAYSREPLACEMENT COSTS UP TO A SPECIFIED AMOUNTABOVE POLICY LIMIT. In the event of any covered loss to your home, the insurance company will pay to repair or replace thedamaged or destroyed dwelling with like or equivalent construction up to a specified percentage overthe policy's limits. See the declarations page of your policy for the limit that applies to your dwelling.Your policy will specify whether you must actually repair or replace the damaged or destroyed dwellingin order to recover this benefit. The amount of recovery will be reduced by any deductible you haveagreed to pay. HMI 008 0611 Page 2 of 5 To be eligible for this coverage, you must insure the dwelling to its full replacement cost at the time the policy is issued, with possible periodic increases in the amount of coverage to adjust for inflation; you must permit an inspection of the dwelling by the insurance company; and you must notify theinsurance company about any alterations that increase the value of the insured dwelling by a certain amount (see your policy for that amount). Read your declaration page to determine whether your policy includes coverage for building code upgrades. 4. LIMITEDREPLACEMENT COST COVERAGE WITH NO ADDITIONALPERCENTAGE PAYSREPLACEMENT COSTS UP TO POLICY LIMITS ONLY. In the event of any covered loss to your home, the insurance company will pay to repair or replace the damaged or destroyed dwelling with like or equivalent construction up to the policy's limit of liability. See the declarations page of your policy for the limit that applies to your dwelling. Your policy willspecify whether you must actually repair or replace the damaged or destroyed dwelling in order torecover this benefit. The amount of recovery will be reduced by any deductible you have agreed topay. To be eligible to recover this benefit, you must insure the dwelling to eighty percent (80%) of itsreplacement cost at the time of loss. Read your declaration page to determine whether your policy includes coverage for building code upgrades. 5. ACTUALCASH VALUECOVERAGE PAYS THE FAIR MARKETVALUEOF THE DWELLINGAT THE TIME OF LOSS, OR THE COST TO REPAIR, REBUILD, OR REPLACE THEDAMAGEDOR DESTROYED DWELLINGWITH LIKE KINDAND QUALITYCONSTRUCTION, UP TO POLICY LIMIT. In the event of any covered loss to your home, the insurance company will pay either the fair marketvalue of the damaged or destroyed dwelling (excluding the value of land) at the time of the loss or thecost to repair, rebuild, or replace the damaged or destroyed dwelling with like kind and qualityconstruction up to the policy limit, with possible consideration of physical depreciation. The amount ofrecovery will be reduced by any deductible you have agreed to pay. Read your declaration page todetermine whether your policy includes coverage for building code upgrades. 6. BUILDINGCODE UPGRADE-ORDINANCE AND LAWCOVERAGE PAYS, UP TO LIMITSSPECIFIED IN YOUR POLICY, ADD/TIONALCOSTS REQUIRED TO BRING THEDWELLING"UP TO CODE." In the event of any covered loss, the insurance company will pay any additional costs, up to the statedlimits, of repairing or replacing a damaged or destroyed dwelling to conform with any buildingstandards such as building codes or zoning laws required by government agencies and in effect at thetime of the loss or rebuilding (see your policy). HMI 008 0611 Page 3 of 5 INFORMATIONYOU SHOULD KNOW ABOUT RESIDENTIALDWELLINGINSURANCE AVOID BEING UNDERINSURED: Insuring your home for less than its replacement cost may result inyour having to pay thousands of dollars out of your own pocket to rebuild your home if it is completelydestroyed. Contact your agent, broker, or insurance company immediately if you believe your policylimits may be inadequate. THE RESIDENTIAL DWELLINGCOVERAGE LIMIT:The coverage limit on the dwelliqg structureshould be high enough so you can rebuild your home if it is completely destroyed. Please note: * The cost to rebuild your home is almost always different from the market value.Dwelling coverage limits do not cover the value of your land.* The estimate to rebuild your home should be based on construction costs in your area andshould be adjusted to account for the features of your home. These features include but arenot limited to the square footage, type of foundation, number of stories, and the quality of thematerials used for items such as flooring, countertops, windows, cabinetry, lighting andplumbing. * The cost to rebuild your home should be adjusted each year to account for inflation.Coverage limits for contents, separate structures, additional living expenses and debrisremoval are usually based on a percentage of the limit for the dwelling. Ifyour dwelling limit istoo low, these coverage limits may also be too low. You are encouraged to obtain a current estimate of the cost to rebuild your home from your insuranceagent, broker, or insurance company or an independent appraisal from a local contractor, architect, orreal estate appraiser. Ifyou do obtain an estimate of replacement value, and wish to change yourpolicy limits, contact your insurance company. While not a guarantee, a current estimate can helpprotect you against being underinsured. DEMAND SURGE: After a widespread disaster, the cost of construction can increase dramatically asa result of the unusually high demand for contractors, building supplies and construction labor. Thiseffect is known as demand surge. Demand surge can increase the cost of rebuilding your home.Consider increasing your coverage limits or purchasing Extended Replacement Cost coverage toprepare for this possibility. CHANGES TO PROPERTY: Changes to your property may increase its replacement cost. Thesechanges may include the building of additions, customizing your kitchen or bathrooms, or otherwiseremodeling your home. Failure to advise your insurance company of any significant changes to yourproperty may result in your home being underinsured. EXCLUSIONS: Not ag causes of damage are covered by common homeowners or residential firepolicies. You need to read your policy to see what causes of loss or perils are not covered. Coveragefor landslide is typically excluded. Some excluded perils such as earthquake or flood can bepurchased as an endorsement to your policy or as a separate policy. Contact your agent, broker, orinsurance company if you have a concern about any of the exclusions in your policy. CONTENTS IPERSONAL PROPERTY) COVERAGE DISCLOSUREThis disclosure form does not explain the types of contents coverage provided by your policy for itemssuch as your furniture or clothing. Contents may be covered on either an actual cash value orreplacement cost basis depending on the contract. Almost all policies include specific dollar limitationson certain property that is particularly valuable such as jewelry, art, or silverware. Contact your agent,broker or insurance company ifyou have any questions about your contents coverage. You shouldcreate a list of all personal property in and around your home. Pictures and video recordings also helpyou document your property. The list, photos, and video should be stored away from your home. HMI 008 0611 Page 4 of 5 CONSUMER ASSISTANCE Ifyou have any concerns or questions, contact your agent, broker, or insurance company. You arealso encouraged to contact the California Department of insurance consumer information line at (800)927-HELP (4357) or at www.insurance.ca. ov for free insurance assistance. HMI 006 0611 Page 5 of 5 Important Notice about Dwelling Coverage LimitsDwelling Coverage Limits (Coverage A) The Dwelling Coverage Limitof Liability ("Coverage A" amount) of your policy is provided on your declarationssummary. This Coverage A is based on an estimate of the Replacement Cost of your home, which has beencalculated from the information you provided during the application process. This is the minimum amount ofCoverage A we recommend. We take care in providing these recommendagons; however, the actual costs associated with rebuilding yourhorne are subject to the market environment at the time of loss. While we can assist you in your selection of theCoverage A amount, we rely upon you to: ~ Verify that we have the most up to date information about your home~ Ensure that the total amount of coverage is sufficient to rebuild your home Please review the information below closely and contact us ifany of the information reflected should be updatedor revised. Further, ifyou feel that the amount of Coverage A should be increased, please contact us to discussoptions. The estimate of replacement cost includes the following expenses: (1) Cost of construction labor, building materials and supplies (2) Contractor overhead and profit (3) Cost of permits and architect's plans Subtotal (4) Cost of demolition and debris removal* $570,400 $ 114,080 $28,520 $ 713,000 $ 35,650 * Note that your policy covers up to $35,650 for cost of demolition and debris removal in case the DwellingCoverage (Coverage A) limit is exhausted. (The Coverage A limitof your policy is $713,000.) The following information was provided during the application process and has been used to estimate theReplacement Cost of your home: (A) Foundation type (B) Type of frame/style (C) Roof a. Material b. Shape (D) Siding (E) Slope (F) Square footage (G) Location of property (H) Number of stories (I) Average wall height (J) Number of units (K) Special features a. Heating type b. Central air c. Interior wall type d. Floor covering e. Rooms with cathedral or vaulted ceilings f. Rooms with crown molding Walkout Basement Colonial Tar or Gravel Flat Stucco on block No 2.500 3535 CLEMENT ST SAN FRANCISCO, CA 94121-1619 3 8 ft. 1 ELECTRIC No Drywall/Veneer Plaster 100% Hardwood 100% 0 1 HH 12 38 CA 0913 g. Fireplaces Number of ii. Type(s) h. Kitchen countertop material i. Bathrooms Full baths ii. Half baths j. Finished basement square footage (M) Year built (N) Garage a. Type b. Size (number of cars) Granite or Marble 1919 Attached 2 HH I2 38 CA 0913
