PWC Consulting : Ronnie Lee Kimble

Another claim was filed on 2/7/95 as the result of theft from another residential breaking and entering. The claim was settled for $4,454.64. An Olympus camera was reported as stolen. An Olympus camera was recovered from the residence of Theodore and Patricia Kimble during the course of the homicide and arson investigation.

Claim # 214F507840 was filed by Ted Kimble for the 10/9/95 fire loss. The claim amounted to $ 247,842,28. Review of supporting documentation furnished to the insurer in support of the claim appear to be inflated. For example, the personal property inventory presented by Ted Kimble claimed replacement costs of an unscheduled personal property inventory totaling $ 191,215.00, including clothing valued at $ 86,770.70. Of that amount $62,679.70 was allegedly purchased within the past two years. Ted Kimble's claim included linen, sheets, and bath accessories purchased in a single day in the amount of $ 4,787.52.

Claims payments to date

Date	Amount	Payee	For
10/13/95	$ 1,000.00	Ted Kimble	Advanced living expenses
10/25/95	5,000.00	Ted Kimble	Additional advance, living expenses
3/6/96	8,855.90	Patricia Kimble estate, mortgage companies	Advance on dwelling loss
6/18/96	2,533.65	Estate, Ted Kimble, First Restoration	Clean up, debris removal
6/28/96	16,350.00	Ronnie Kimble	Living expenses (rent)
2/6/97	52,606.35	Estate	Final - contents
2/ 6/ 97	53,417.34	Estate	Final - dwelling repairs

Total $ 139,763.24

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4Kimble File

Kimble File

Insurer: The Maryland Group

Insured: Patricia Kimble, Ted Kimble

Information: Homeowners coverage-See below

A claim was filed for a 4/5/93 date of loss due to a residential breaking, entering and theft. Claim was settled for $6340.00.

A claim was filed for a 2/7/95 date of loss due to a residential breaking, entering and theft. Claim was settled for $4454.64.

Each of these "B & E's" has been investigated by Det. Church of the Guilford Sheriff Department, who has advised he has recovered an Olympus camera (and has same in the evidence room) from the Kimble residence which was reportedly taken during a theft and which was listed on 2/7/95 claim submitted to the insurance company.

A claim was filed by Ted Kimble for a 10/9/95 date of loss due to theft and fire in the amount of $247,842.28. Kimble's wife Patricia was found in the home after the fire and it was determined she had been shot prior to the fire.

Review of supporting documents furnished to the insurer in support of this claim appear to be inflated, i.e. personal property inventory presented by Kimble indicated a total replacement cost of approximately $191,215.00. Of particular interest were Clothing items; for example, Kimble listed his wardrobe at a replacement cost of $17,822.70, all of which was purchased within the last 2 years, and his wife's wardrobe at a replacement cost of $68,948.04, with $44,857.00 of her clothing having been purchased within the last 2 years. On the total inventory, there is in excess of approximately $120,000.00 of personal property listed as having been purchased within the last 2 years (see attached partial listing of inventory).

Additionally, Kimble submitted a claim for linen, sheets, bath accessories, etc. in the amount of $4787.52...a one-day purchase(?26 bath towels, 26 wash cloths).

This claim was paid as follows: (see attached check copies)

Date	Amount	Payee	For
10/13/95	$ 1,000.00	Ted Kimble	Advanced living expenses
10/25/95	5,000.00	Ted Kimble	Additional advance, living expenses
3/6/96	8,855.90	Patricia Kimble estate & Mortgage companies	Advance on dwelling loss
6/18/96	2,533.65	Estate, Ted Kimble, & 1st Restoration	Clean up, debris removal
6/28/96	16,350.00	Ronnie Kimble (Ted's Father)	Living expenses (rent)
2/6/97	52,606.35	Estate	Final- contents
2/ 6/ 97	53,417.34	Estate	Final- dwelling repairs

Copies of checks, see PDF pages 4-6

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4T. M. Mayfield & Co.'s Supplemental Report, January 15, 1996

T. M. Mayfield & Company

Adjusters of Losses for Insurance Companies

P. O. Box 41114

Raleigh, NC 27629

January 15, 1996

Mr. Bruce Berger, Attorney at Law
Yates, McLamb & Weyher, L.L.P.
Suite 350, Carolina Place
2626 Glenwood Avenue
Raleigh, NC 27608

Re: Maryland Insured: Patricia & Ted Kimble
Maryland Claim #: 214E507840
D/L: 10-9-95
Our File: RAL02941

Dear Mr. Berger:

This supplements our report of December 4, 1995.

ENCLOSURES
1 - Inventory Presented for UPP
2 - Invoice for Completed Services from First Restoration Services
3 - Interim Adjuster's Invoice

ADJUSTMENT

Dwelling: Reference is made to our previous report. As a matter of interest, Gerry Havlena, the general contractor who performed the tear out, now advises that he has done nothing further on repairs due to Mr. Kimble's lack of commitment to have him perform the repairs per our estimate. Mr. Havlena's impression was that Mr. Kimble wanted to "cherry pick" the estimate, i.e. to perform certain tasks himself and to provide through his resources the carpet, doors, etc.

I am enclosing an invoice for completed services on the dwelling totaling $8,222.90.

UPP: I am enclosing the UPP inventory presented by Mr. Kimble indicating a grand total replacement cost of approximately $191,215.00. You will note that Mr. Kimble listed neither the vendor nor the original cost of any item. In my opinion, the prices are highly inflated, particularly on clothing items; for example, Mr. Kimble has listed his wardrobe at a replacement cost of $17,822,70, all of which was purchased within the last 2 years, and his wife's wardrobe at a replacement cost of $68,948.00, with 544,857.00 of her clothing having been purchased within the last 2 years.

Mr. Bruce Berger

Page 2

January 15,1996

Insured: Patricia & Ted Kimble

On the total inventory, there is in excess of approximately $120,000.00 of personal property listed as having been purchased within the last 2 years. For further details, see the attached inventory.

Mr. Kimble has submitted as part of his inventory pages captioned "Expenses" totaling $909.40, which he identifies as charges incurred for friends, family, meals, etc. to prepare the personal property inventory. It is the insured's duty under the policy to present his claim and I don't feel coverage would be provided for these expenses.

Due to my inability to verify the accuracy of the replacement cost prices with the limited information provided, I have not attempted to arrive at the actual cash value loss.

I am enclosing an invoice from First Restoration Services for removal of the contents, which includes moving some of the items to their warehouse for storage.

DRAFT REQUEST

By copy of this letter we are requesting that Marie Bartello issue draft to First Restoration Services in the amount of $11,389.55 and forward direct to First Restoration Services. <Invoice>

Please review this report and provide your instructions on further handling. As our file has been open for more than 60 days, we are submitting our interim bill for services.

Very truly yours,

/signature/

Garry M. Britt

General Adjuster

GMB:sb

cc: Marie Bartello, The Maryland Insurance Group

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4Letter: Ted Kimble to Marie Bartello (The Maryland Group)

January 19, 1996

Ms. Marie Bartello

P. 0. Box 5258
Timonium, MD 21094

Re: Theodore Kimble
TH45004579

Dear Ms. Bartello:

Please find enclosed the sworn statement in Proof of Loss. I have previously forwarded to you numerous forms designated as Insured's Statement of Claim. Also you are aware of an estimate by First Restoration Services for repairs to the house.

As to the Insured's Statement of Claims forms, I did the best I could in estimating dates of purchase of various items, but I was not able to be exact in many instances. I did the best I could at estimating the replacement cost of those items. The only way I knew to do this was to try to compare what those particular items were selling for in Greensboro in the last three months. I realize many of the items have lost value over the years, but I attempted to list what it would cost to replace these items today. I did not attempt to list what was actually paid for these items. (Some of
these items were wedding gifts, etc.) As I understood your instructions, this was the way I was supposed to proceed.

I have been as thorough as possible in trying to reconstruct what was destroyed by the fire and to fill in these forms in accordance with your instructions. As I understood from our phone conversation today, you are satisfied with the manner in which I have filled out these forms. Please inform me if I need to make any corrections or changes and I will do so.

In addition, we discussed the fact that I have been living with my parents instead of renting a motel room and settled on a price of $50.00 a day rent for the use of my parents' home. At the present time I have been living with my parents for over three months, and it will take another four to six months to repair my house. Therefore, on my Cost of Living Claim I would think that seven months would be adequate at $50.00 per day or $10,500.00.

In calculating the total insurance for paragraph 5, I added the coverages on the building, personal property and loss of use.

To determine the Actual Cash Value for paragraph 6, I added the amount of the appraisal on the house done by Nationsbank in 1995, less $20,000.00 for the value of the land, to the replacement values of the various items of personal property and the per diem costs for an alternative residence.

The Whole Loss and Damage figure represents the estimate done by First Restoration Services plus the value of the personal property plus the loss of use figure.

The Amount Claimed for paragraph 8 is the same as paragraph 7. It seemed like the appropriate figure. Again, I understand that the company will depreciate the personal property figure considerably and I do not expect to receive the "Amount Claimed."

Please inform me if I need to complete any other forms or if I have done anything incorrectly. I understand your company will depreciate the value of all the listed items and will determine the amount to be paid in settlement of this claim. I will be glad to discuss any details with you at your convenience.

Thank you for your help in processing this claim. It has been an overwhelming task to try to estimate the value of all these items and I appreciate your help in getting these things together.

Sincerely,

/Ted Kimble/

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4Invoice for rent

Handwritten notes are included

RONNIE L. KIMBLE

6318 LIBERTY RD.

JULIAN N.C. 27283

S.S. # [blacked out]

INVOICE TO MARYLAND CAUSALITY
FOR THE CLAIM TED KIMBLE

ROOM AND BOARD WAS AGREED UPON FOR THE SUM OF $50.00 A DAY.

BEGINNING DATE OF OCTOBER 9TH 1995 UNTIL JULY 12TH 1996 BALANCE DUE IS $13,390.00. ESTIMATED REPAIR TIME IS ANOTHER 90 DAYS WHICH WOULD BE ANOTHER $4,500.00 BRINGING THE BALANCE DUE TO $17,890.00. PLEASE MAKE CHECK PAYABLE TO RONNIE L. KIMBLE.

IF YOU HAVE ANY QUESTIONS CONCERNING THIS INVOICE I CAN BE REACHED AT HOME (910)685-0705, OR BY MY PAGER (910)316-9663. THANK YOU.

/signature/ 7-12-199

R. L. Kimble

ATT.

Miss Linda LaFontaine

Claim #214F507840

policy #TH041204579

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