CLM-2026-0042
In ReviewThird-party property damage during excavation at Hines Midtown project. Backhoe struck underground utility, causing water main break affecting adjacent commercial property.
$42,500
total incurred
Jan 28, 2026
Jan 29, 2026
Commercial General Liability
GL-2026-001234
Third-Party Property Damage
Financial Summary
Location of Loss
1801 L Street, Sacramento, CA 95811 — Hines Midtown Mixed-Use Project
Activity Timeline
Incident occurred
Jan 28, 2026 at 2:30 PMBackhoe struck unmarked water main during excavation. Water service disrupted to adjacent commercial building at 1811 L Street.
Claim filed
Jan 29, 2026 at 8:15 AMFirst notice of loss submitted by Marcus Chen. Photos and incident report attached.
Claim acknowledged
Jan 29, 2026 at 4:00 PMHartford acknowledged receipt. Assigned claim reference HTF-2026-887421.
Adjuster assigned
Jan 31, 2026 at 10:00 AMDavid Kowalski assigned as lead adjuster. Site inspection scheduled for Feb 3.
Site inspection completed
Feb 3, 2026 at 1:00 PMAdjuster conducted on-site inspection. Documented water main damage and property impact to adjacent building. USA markings reviewed — utility was not properly marked.
Repair estimate received
Feb 5, 2026 at 9:30 AMContractor estimate for water main repair: $18,200. Adjacent property damage estimate pending.
Reserve set
Feb 10, 2026 at 2:00 PMTotal reserve set at $42,500 based on repair estimates and potential business interruption claim from adjacent tenant.
Claims Adjuster
David Kowalski
Hartford Financial Services
Related Policy
Policy #: GL-2026-001234
Effective: Jan 1, 2026 — Jan 1, 2027
Premium: $12,480/yr
activeDocuments
Claim Report - CLM-2026-0042.pdf
1416 KB