Change in Damage Estimate
An initial insurance estimate  identified approximately $24,000 in repair costs.

A later estimate provided by the attorney drops the damage estimate to approximately $6,000.

This represents a significant change in both scope and estimated cost of repairs.


Initial Adjuster Estimate
An initial estimate (see below) prepared by QBE Insurance, based on inspections conducted in October 2024, identified approximately $24,180 in repair costs.
This estimate was shared on December 6, 2024.

Important Limitation
The adjuster’s evaluation and overall scope was limited (By Insurance Company) to visible damage in the deck and walkway areas and did not include assessment of structural or foundation-related conditions.

Basis for Revised Scope
According to correspondence provided during the review process:

• "Some damage was acknowledged as potentially related to snow removal"

• "Broader structural concerns were attributed to other factors"

• "Repair scope was limited to specific identified items"

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Engineering Documentation

The HOA has indicated that consulting engineers were involved in evaluating the property.
However:

• "No formal engineering report was prepared"

• "No written findings have been provided"

• "Conclusions were based on informal assessments"
   

Conclusions regarding structural conditions were communicated without formal engineering documentation.

Comparison of Estimates
Initial Adjuster Estimate~$24,180   Deck & walkway (limited scope)
Later Contractor Estimate~$6,000   Reduced scope, no engineering backing

The reduction in repair scope, combined with the absence of formal engineering documentation, raises questions regarding how the extent of damage was evaluated.


Certain communications were designated as part of a settlement process and are not reproduced here.





The following documents reflect the initial repair estimate prepared by QBE Insurance based on site inspections conducted on October 17, 2024.  This estimate was later shared on December 6, 2024.