CLM-2025-0215
ApprovedStorm damage to stored materials at Elk Grove warehouse site. Unsecured lumber and drywall inventory damaged by wind and rain during November atmospheric river.
$12,400
total incurred
Nov 20, 2025
Nov 21, 2025
Inland Marine / Builders Risk
IM-2025-004321
Inland Marine — Weather Damage
Financial Summary
Location of Loss
Pacific Ridge Warehouse, 9100 Elk Grove Blvd, Elk Grove, CA 95624
Activity Timeline
Storm damage occurred
Nov 20, 2025 at 2:00 AMAtmospheric river brought 3.2 inches of rain and 45 mph gusts overnight. Tarps covering lumber yard failed. Approximately 8,000 board feet of lumber and 200 sheets of drywall damaged.
Damage assessed & claim filed
Nov 21, 2025 at 8:00 AMWarehouse team assessed damage. Photos and material inventory submitted with claim. Estimated loss: $12,400.
Adjuster inspection
Nov 25, 2025 at 2:00 PMKaren Liu inspected warehouse site. Confirmed extent of water damage to materials. Noted tarps were inadequate for storm severity.
Claim approved
Dec 2, 2025 at 9:00 AMClaim approved. Total covered: $12,400 less $2,500 deductible = $9,900 payout.
Payment issued
Dec 10, 2025 at 12:00 AMCheck for $9,900 issued to Pacific Ridge Builders. Deposited Dec 14.
Claim closed
Dec 15, 2025 at 12:00 AMMaterials replaced. Zurich recommended upgrading to enclosed storage. Claim closed.
Claims Adjuster
Karen Liu
Zurich North America
Related Policy
Policy #: IM-2025-004321
Effective: Jun 1, 2025 — Jun 1, 2026
Premium: $7,200/yr
active