This is a massive HTML email thread about the Wake Up 727 / Caribou Coffee project. Let me extract the key information from this:

From the email I can see:

1. **Wake Up 727, LLC** - Caribou Coffee franchisee
2. **Project**: 1700 Gulf to Bay Blvd, Clearwater, FL 33755
3. **Project Amount**: $686,299
4. **Current Status**: DEMOLITION WARNING active, bond issues being negotiated

**Punch List / Outstanding Items from the email:**

1. **Bond Issues**:
   - Need Payment & Performance bond
   - Bond company: Old Republic Surety Company
   - Waiting on final bond form approval
   - Landlord (Gratus Filius Enterprises, LLC) needs to be added as Obligee
   - Bond premium has been paid

2. **Demolition Warning**:
   - City of Clearwater issued NOTICE OF UNSAFE BUILDING
   - 7 days to cure or building will be demolished
   - Need to show progress to city

3. **Items Requested by Landlord's Attorney (Matthew T. Blackshear, Shutts & Bowen LLP)**:
   - Due diligence information on the proposed new GC
   - Proposed construction contact
   - Required form of Bond
   - Plans and Specs referenced in the proposed new contract
   - Evidence that all of the items set forth in demand/default letters have been cured

4. **Permit Issues**:
   - Just received permits from city
   - 6-month extension on permit being disputed

5. **Attorneys Involved**:
   - RJ Quezon (Quezon Law) - Wake Up 727's attorney
   - James Wardell (JAW Law) - Another attorney
   - Matthew T. Blackshear (Shutts & Bowen LLP) - Landlord's attorney

6. **Contacts**:
   - Michelle Mathis (michelle727icw@gmail.com) - Wake Up 727 principal
   - Scott Hendry (scott@ashenterprises.us) - Ash Enterprises President
   - Chad Rogers (chad@ashenterprises.us) - Ash
   - Suzy Filep (SFilep@odiorneinsurance.com) - Insurance (Odiorne Insurance)
   - RJ Quezon (rjq@quezonlaw.com) - Attorney
   - James Wardell (jwardell@jawlaw.net) - Attorney

I'll track down the Palm Harbor location and investigate the St. Pete Beach reference mentioned in the email.

Extracting punch list items and searching for Palm Harbor location:

exec

cat > /home/crogers2287/ash-ai-tools/knowledge-base/data/wake-up-727-punchlist.md << 'PUNCH_EOF'
# Wake Up 727 - Outstanding Items

## Project: 1700 Gulf to Bay Blvd, Clearwater, FL 33755
**Value**: $686,299
**Franchisee**: Wake Up 727, LLC (Michelle Mathis)
**Brand**: Caribou Coffee

---

## CRITICAL OUTSTANDING ITEMS

### 1. DEMOLITION WARNING - City of Clearwater
**Status**: ACTIVE
**Deadline**: 7 days from notice
**Action Required**:
- Show progress to City of Clearwater immediately
- Contact: Dana Root (city contact)
- Prove permits are active and work is progressing

### 2. Bond Issues
**Status**: IN PROGRESS
**Surety Company**: Old Republic Surety Company
**Bond Type**: Payment & Performance Bond
**Outstanding**:
- [ ] Final bond form approval from all parties
- [ ] Add landlord (Gratus Filius Enterprises, LLC) as Obligee
- [ ] Scott Hendry signature on bond (via DocuSign or wet signature)
- [x] Bond premium paid

### 3. Items Requested by Landlord's Attorney (Matthew T. Blackshear)
**Deadline**: IMMEDIATE
- [ ] Due diligence information on proposed new GC (Ash Enterprises)
- [ ] Proposed construction contract
- [ ] Required form of Bond (provided 2/23/26)
- [ ] Plans and Specs referenced in contract
- [ ] Evidence that ALL defaults have been cured

### 4. Permit Status
**Status**: APPROVED (recently)
**Issue**: 6-month extension validity disputed
**Action Required**: Verify permit doesn't expire before project completion

---

## KEY CONTACTS

### Wake Up 727 (Client)
- **Michelle Mathis** - Principal | michelle727icw@gmail.com

### Ash Enterprises (GC)
- **Chad Rogers** - Owner | chad@ashenterprises.us
- **Scott Hendry** - President | scott@ashenterprises.us

### Legal
- **RJ Quezon** - Tenant's Attorney | rjq@quezonlaw.com | (813) 278-1215
- **James Wardell** - Attorney | jwardell@jawlaw.net
- **Matthew T. Blackshear** - Landlord's Attorney (Shutts & Bowen LLP) | MBlackshear@shutts.com | (813) 227-8110

### Insurance
- **Suzy Filep** - Odiorne Insurance | SFilep@odiorneinsurance.com | (813) 982-3720

### Landlord
- **Gratus Filius Enterprises, LLC** - Landlord entity

---

## LOCATIONS (Wake Up 727 Portfolio)

1. **1700 Gulf to Bay Blvd, Clearwater, FL 33755** - ACTIVE PROJECT (demolition warning)
2. **4375 E Bay Dr, Clearwater, FL** - On hold (legal/landlord issues)
3. **St. Pete Beach, FL** - Third location (TBD)
4. **Palm Harbor, FL** - Fourth location (TBD)

---

## RISK ASSESSMENT

**CRITICAL**:
- Demolition warning could result in building being razed
- Bond not yet executed - work cannot proceed
- Landlord attorney not satisfied with default cures

**HIGH**:
- Permit validity disputed
- Multiple defaults claimed by landlord
- Attorney communication delays (paternity leave, holidays)

**MEDIUM**:
- Signage removal required at 4375 E Bay Dr
- Stucco and building repairs needed
PUNCH_EOF
echo "✓ Punch list created"
grep -i "palm.*harbor\|st pete beach\|st. pete beach" /tmp/ash-emails-500.yaml | grep -E "(address:|subject:)" | head -20


✓ Punch list created
    subject: Caribou St Pete Beach has entered Communication and Clarity


Found a reference to "Caribou St Pete Beach" in the emails. Let me search for more details about this location and the Palm Harbor location.

Found St. Pete Beach location mentioned! Searching for more details:

grep -B10 -A10 "St Pete Beach" /tmp/ash-emails-500.yaml | grep -E "(subject:|from:|address:|body:)" | head -30

grep -i "695\|694\|696\|690\|palm" /tmp/ash-emails-500.yaml | grep -E "(subject:|address:)" | head -20

grep -B5 -A5 "Communication and Clarity" /tmp/ash-emails-500.yaml | head -50


subject: Caribou St Pete Beach has entered Communication and Clarity
    body:
        address: notifications@usemotion.app
    from:
        address: notifications@usemotion.app


>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

DISREGARD!! I am confirming payment received!!

Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Suzy Filep
Sent: Friday, January 30, 2026 10:54 AM
To: 'Office' <office@ashenterprises.us>
Cc: 'Chad Rogers' <chad@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Good morning to all, I hope everyone is staying warm and doing well.

I am checking to see if this audit was reviewed.

Do we agree with the results or feel the need to dispute anything?

Due date is 2/15/2026.

Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Suzy Filep
Sent: Wednesday, January 21, 2026 2:18 PM
To: 'Office' <office@ashenterprises.us>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Good afternoon to all, I hope this email finds you well. Please see attached the final audit results, worksheets (showing how the audit was calculated) and invoice due for the General Liability policy term- 8/14/2024-8/14/2025.

If you do not agree with the results, please send me a dispute with supporting documents to send to the carrier.

If they are correct, please use the Epay link (or mail a check) to make the audit additional premium due. Thank you.

You must enter the info in RED first, then the invoice will generate.

Epay Odiorne Insurance Payment Link/portal:

Credit Card Fee- 3.5% of the premium amount due

-OR-

ACH fee- 1% of the premium due/Maximum amount of $5.00

Payer:   H&R Roofing, Inc.

Email address:   chad@ashenterprises.us

Account number:   27770

Zip code:   33675

Invoices: (click add from displayed invoices the correct amount to pay)   $7479.15

Odiorne Insurance Agency– Insurance Premium

Odiorne Insurance Agency Inc. (epaypolicy.com)

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Monday, October 20, 2025 9:33 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Richard Cronin <Richard.Cronin@neis1.net>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Good morning Suzy  -

Yes.  I have sent all of the requested audit documents to Richard.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Monday, October 20, 2025 8:52 AM
To: Office <office@ashenterprises.us>; Richard Cronin <Richard.Cronin@neis1.net>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Good morning to all, I hope everyone is well and had a nice weekend.

Just making sure Richard responded to you Tracy on how to submit the audit docs.

If not, Richard, please advise an easy way to complete this when you have the phone audit interview at 11am.

I’m here to help, let me know if anyone needs anything.

Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Friday, October 17, 2025 5:56 PM
To: Richard Cronin <Richard.Cronin@neis1.net>
Cc: Chad Rogers <chad@ashenterprises.us>; Suzy Filep <SFilep@odiorneinsurance.com>
Subject: RE: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.
Importance: High

Good afternoon Richard  -

I followed the link that was listed in the instructions to upload the files for your phone audit with Chad Rogers on Monday.  The user/password did not work.  I tried twice and got a Not Found on this Server Error both times.

Please let us know on Monday morning if there is another option to upload the documents or how to proceed.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Richard Cronin <Richard.Cronin@neis1.net>
Sent: Tuesday, October 14, 2025 4:09 PM
To: Chad Rogers <chad@ashenterprises.us>; Suzy Filep <SFilep@odiorneinsurance.com>
Cc: Office <office@ashenterprises.us>
Subject: Re: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Chad,

Please see the attached letter for all the required documents and how to upload them to our secure site. I have us scheduled for a quick phone audit on 10/20/25 at 11am EST, please confirm your availability for the date/time and advise on a good phone# for me to reach you. Thanks so much

Richard Cronin
Remote Physical Auditor

Phone: 203-267-9727
Richard.Cronin@neis1.net

In the event you are unable to communicate electronically with this address, please reach out via the phone number located in the signature. Due to security requirements some emails are not received.

From: Chad Rogers <chad@ashenterprises.us>
Sent: Tuesday, October 14, 2025 9:25 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Richard Cronin <Richard.cronin@neis1.net>
Cc: Office <office@ashenterprises.us>
Subject: Re: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

You don't often get email from chad@ashenterprises.us. Learn why this is important

CAUTION: External Sender

Richard,

Please let me know what you need from us, and we will be sure to get you over everything you need.

Thanks,

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Tuesday, October 14, 2025 9:22 AM
To: Chad Rogers
Cc: Office
Subject: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Good morning to all, I hope everyone is doing well.

Chad looks like a letter was sent out to regarding an audit to be conducted for the expired General Liability term- 8/14/2025 to 8/14/2025. The auditor has not been successful getting in touch with you.

Please contact the auditor info below to complete this audit. Failure to do so can result in cancellation on the current term and estimated audit which can be 3 times higher than the written premium. Thank you.

Premium auditor contact info:

Richard Cronin

203-267-9727

Richard.cronin@neis1.net

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

"
      content: "\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\"><meta name=\"Generator\" content=\"Microsoft Word 15 (filtered medium)\">

Good morning Chad  -

Suzy has reached back out to me in regards to the request below.  If you want her to shop for a different policy for H & R, she needs a copy of H & R’s Subcontractor Agreement.

Otherwise, let me know that you are good with the policy you have for this year and they will look at it again at renewal time in August.

Please advise – either way.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Office
Sent: Friday, February 6, 2026 2:46 PM
To: Chad Rogers <chad@ashenterprises.us>; Maranda Wasden <maranda@ashenterprises.us>
Subject: FW: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Good afternoon  -

Does H & R Roofing have a subcontractor agreement that we can send to Suzy?  She is shopping for new GL insurance and needs a copy.

Please email to SFilep@odiorneinsurance.com and copy me.

If we don’t have an agreement, let me know and I will advise her.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Friday, February 6, 2026 2:25 PM
To: Office <office@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Hello Tracy, do you happen to have a copy of the sub-agreement for H&R Roofing handy in the file?

If so, send it over as I continue to market.

Most of the carriers will charge for material cost… I have found one that says they don’t..

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Wednesday, February 4, 2026 11:16 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

That sounds good Suzy.  It does seem strange that they charge us for materials that we buy.  Let me know what you find out.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Wednesday, February 4, 2026 10:24 AM
To: Office <office@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Tracy, I might have slight good news but let me work on this in the background while we dispute that audit per Chad.

I have one carrier, Platinum that stated- Not typically(include material cost).  They should not include that in gross receipts.

So, I will use the SUBS cost of $650K and quote with them just to compare.(is the figure $650K adequate?)

If Chad is ready to move carriers after this audit, I will then present and rewrite to this carrier.

What are your thoughts?

Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Wednesday, February 4, 2026 10:12 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Thank you, Suzy.

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Wednesday, February 4, 2026 10:04 AM
To: Chad Rogers <chad@ashenterprises.us>; Office <office@ashenterprises.us>
Cc: Scott Hendry <scott@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Good morning,

I am confirming receipt of the emails below.

I have requested that the carrier review and dispute the final audit results based on the concerns you raised. I will keep you informed as soon as I receive their response.

I apologize for any inconvenience or frustration this situation may have caused. Based on my understanding, all carriers include labor and materials in one form or another; however, I will seek additional clarification.

I will also explore whether there is another company that may be a better fit for your H&R Roofing account.

Thank you for your patience, and please let me know if you have any questions in the meantime.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Chad Rogers <chad@ashenterprises.us>
Sent: Tuesday, February 3, 2026 4:44 PM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Office <office@ashenterprises.us>
Cc: Scott Hendry <scott@ashenterprises.us>
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

So doing more research on this, it looks like they are double dipping. Because the material costs are reflected in the sales numbers, but they're also trying to reflect them in the subcontractor costs as well. Either way, we want to refuse and reopen the audit. You can send the auditor out and we will meet with them on site.

Thanks,

From: Chad Rogers
Sent: Tuesday, February 3, 2026 4:29 PM
To: Suzy Filep; Office
Cc: Scott Hendry
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

And just so we're all on the same page, most subcontractors, like for a general contracting company. They provide labor and materials, so that would make sense that on those sub costs we would cover both. But for instance in our line of work, we supply all the materials and the sub only provides the labor. Which makes absolutely no sense that I would pay for that cost as a subcontractor cost.

Thanks,

From: Chad Rogers
Sent: Tuesday, February 3, 2026 4:21 PM
To: Suzy Filep; Office
Cc: Scott Hendry
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Suzy,

I don't think we've ever paid material cost on subs since we've started this. Not even through Ash do we pay material costs on subs. This is not the sub providing the materials, we are. I don't understand how they can say that that is a sub-cost. Please do not send them any funds at the moment. If we can't figure this out I'm going to start seeing if I can shop it around elsewhere.

Thanks,

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Tuesday, February 3, 2026 3:55 PM
To: Chad Rogers; Office
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Hello Chad, I am truly sorry for any frustration. Almost Every carrier, and I mean every carrier that I know of rates sub cost on Total Cost.

Meaning total cost is labor and materials, this is industry standard and I have never in my career known it to be any other way.

Not quite sure what happened in the prior year, but maybe the costs were lower or the auditor was incorrect in the audit calculation as last years audit closed even.

I did not want to go digging it up and stir the pot so to say, and they revisit that audit.

Please let me know any other questions or concerns. I am always here to help.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Chad Rogers <chad@ashenterprises.us>
Sent: Tuesday, February 3, 2026 3:16 PM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Office <office@ashenterprises.us>
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Suzy

So they are calculating material costs as part of the subcontractor cost? If that's the case, we need to find another carrier, all materials come out of our accounts, we are responsible for them, not the subcontractor. If the subcontractor was responsible in paying for them, that would be part of his cost and would be included in the amount that was paid to the subcontractor.

Thanks,

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Tuesday, February 3, 2026 3:05 PM
To: Office
Cc: Chad Rogers
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Good afternoon to all, I hope everyone is doing well and warm! Please review the carriers response below on "material cost" included. Once reviewed, let me know if you have any other questions. It looks like we will have to include all material cost moving forward to not be hit with a large audit. Let me know if we agree on the audit now and I will have our accounting department issue the funds of $7,479.15 to the carrier. We can review the renewal at $650K and see about adjusting that to include material cost? If not, we can keep it as is and just let the audit determine the final figures. Please note, these GL carriers will not return premium if we overestimate.

Please see below from the company’s guide regarding class code 91585.

“Total Cost - Rate basis is determined:

The total cost of all work let or sublet in connection with each specific project including:

The cost of all labor, materials and equipment furnished, used or delivered for use in the execution of the work, however, do not include the cost of finished equipment installed but not furnished by the subcontractor if the subcontractor does no other work on or in connection with such equipment; and

All fees, bonuses or commissions made, paid or due.”

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Friday, January 30, 2026 11:53 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Hey Suzy  -

Can you call me when you get a chance.  The numbers are not correct.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Chad Rogers <chad@ashenterprises.us>
Sent: Friday, January 30, 2026 11:35 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Office <office@ashenterprises.us>
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

I mean looking back, I guess I can't contest it too much if that's what our actual numbers were. I didn't realize our sub costs were that high last year. Either way, as long as we're sticking with the same number going forward, I guess we'll leave it alone for now.

Thanks,

From: Chad Rogers
Sent: Friday, January 30, 2026 11:33 AM
To: Suzy Filep; Office
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Oh wow, no I'm definitely not good with that premium then. This year has been the slowest we have had yet I believe. So I definitely don't want to pay premiums based on last year's numbers. Not sure how we need to fix this but if that's the case we will need to shop this as soon as possible.

Thanks,

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Friday, January 30, 2026 11:14 AM
To: Chad Rogers; Office
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

This was additional premium due to an audit on the term 8/14/2024 – 8/14/2025

Policy stared at $7,778.40 rated off $650K in subs cost

After audit, the policy increased by $7,479.15 as subs cost ended for this term at $ 1,562,164

Currently, your policy for term 8/15/2025 to 8/14/2026 is at $650,000…

We can go ahead and increase figure if you think you will end again at a higher number, or you can just let that one be audited once it expires just like the past policy and then you just owe the additional premium for the difference.

Let me know. Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Chad Rogers <chad@ashenterprises.us>
Sent: Friday, January 30, 2026 11:03 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Office <office@ashenterprises.us>
Subject: Re: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Suzy,

Just to make sure we're understanding this one correctly, did the premium go down or up? When I looked back through my email I think the initial premium was like $8,000, and this it looks like was in the $7,000 somethings.

Thanks,

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Friday, January 30, 2026 10:57 AM
To: Office
Cc: Chad Rogers
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

You too and thank you!!

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Friday, January 30, 2026 10:55 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Thanks Suzy.  Have a great weekend!

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Friday, January 30, 2026 10:55 AM
To: Office <office@ashenterprises.us>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

DISREGARD!! I am confirming payment received!!

Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Suzy Filep
Sent: Friday, January 30, 2026 10:54 AM
To: 'Office' <office@ashenterprises.us>
Cc: 'Chad Rogers' <chad@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Good morning to all, I hope everyone is staying warm and doing well.

I am checking to see if this audit was reviewed.

Do we agree with the results or feel the need to dispute anything?

Due date is 2/15/2026.

Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Suzy Filep
Sent: Wednesday, January 21, 2026 2:18 PM
To: 'Office' <office@ashenterprises.us>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT RESULTS 8.14.2024-8.14.206=$7479.15 DUE 2.15.2026 // H&R Roofing, Inc, POLICY# L174002128-1

Good afternoon to all, I hope this email finds you well. Please see attached the final audit results, worksheets (showing how the audit was calculated) and invoice due for the General Liability policy term- 8/14/2024-8/14/2025.

If you do not agree with the results, please send me a dispute with supporting documents to send to the carrier.

If they are correct, please use the Epay link (or mail a check) to make the audit additional premium due. Thank you.

You must enter the info in RED first, then the invoice will generate.

Epay Odiorne Insurance Payment Link/portal:

Credit Card Fee- 3.5% of the premium amount due

-OR-

ACH fee- 1% of the premium due/Maximum amount of $5.00

Payer:   H&R Roofing, Inc.

Email address:   chad@ashenterprises.us

Account number:   27770

Zip code:   33675

Invoices: (click add from displayed invoices the correct amount to pay)   $7479.15

Odiorne Insurance Agency– Insurance Premium

Odiorne Insurance Agency Inc. (epaypolicy.com)

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Monday, October 20, 2025 9:33 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Richard Cronin <Richard.Cronin@neis1.net>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Good morning Suzy  -

Yes.  I have sent all of the requested audit documents to Richard.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Monday, October 20, 2025 8:52 AM
To: Office <office@ashenterprises.us>; Richard Cronin <Richard.Cronin@neis1.net>
Cc: Chad Rogers <chad@ashenterprises.us>
Subject: RE: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Good morning to all, I hope everyone is well and had a nice weekend.

Just making sure Richard responded to you Tracy on how to submit the audit docs.

If not, Richard, please advise an easy way to complete this when you have the phone audit interview at 11am.

I’m here to help, let me know if anyone needs anything.

Thank you.

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

From: Office <office@ashenterprises.us>
Sent: Friday, October 17, 2025 5:56 PM
To: Richard Cronin <Richard.Cronin@neis1.net>
Cc: Chad Rogers <chad@ashenterprises.us>; Suzy Filep <SFilep@odiorneinsurance.com>
Subject: RE: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.
Importance: High

Good afternoon Richard  -

I followed the link that was listed in the instructions to upload the files for your phone audit with Chad Rogers on Monday.  The user/password did not work.  I tried twice and got a Not Found on this Server Error both times.

Please let us know on Monday morning if there is another option to upload the documents or how to proceed.

Thank you,

Tracy Lane

Tracy Lane

Office Manager

ASH Enterprises, Inc

PO Box 76395

Tampa, FL  33675

office@ashenterprises.us

www.ashenterprises.us

(813) 247-2192 xt. 210

From: Richard Cronin <Richard.Cronin@neis1.net>
Sent: Tuesday, October 14, 2025 4:09 PM
To: Chad Rogers <chad@ashenterprises.us>; Suzy Filep <SFilep@odiorneinsurance.com>
Cc: Office <office@ashenterprises.us>
Subject: Re: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Chad,

Please see the attached letter for all the required documents and how to upload them to our secure site. I have us scheduled for a quick phone audit on 10/20/25 at 11am EST, please confirm your availability for the date/time and advise on a good phone# for me to reach you. Thanks so much

Richard Cronin
Remote Physical Auditor

Phone: 203-267-9727
Richard.Cronin@neis1.net

In the event you are unable to communicate electronically with this address, please reach out via the phone number located in the signature. Due to security requirements some emails are not received.

From: Chad Rogers <chad@ashenterprises.us>
Sent: Tuesday, October 14, 2025 9:25 AM
To: Suzy Filep <SFilep@odiorneinsurance.com>; Richard Cronin <Richard.cronin@neis1.net>
Cc: Office <office@ashenterprises.us>
Subject: Re: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

You don't often get email from chad@ashenterprises.us. Learn why this is important

CAUTION: External Sender

Richard,

Please let me know what you need from us, and we will be sure to get you over everything you need.

Thanks,

From: Suzy Filep <SFilep@odiorneinsurance.com>
Sent: Tuesday, October 14, 2025 9:22 AM
To: Chad Rogers
Cc: Office
Subject: ***AUDIT REQUEST FOR GENERAL LIABILITY*** Copy of Audit Reminder Mailed to Insured: Atlantic Casualty Ins Co / H&R Roofing, Inc.

Good morning to all, I hope everyone is doing well.

Chad looks like a letter was sent out to regarding an audit to be conducted for the expired General Liability term- 8/14/2025 to 8/14/2025. The auditor has not been successful getting in touch with you.

Please contact the auditor info below to complete this audit. Failure to do so can result in cancellation on the current term and estimated audit which can be 3 times higher than the written premium. Thank you.

Premium auditor contact info:

Richard Cronin

203-267-9727

Richard.cronin@neis1.net

Suzy Filep

Suzy Filep

Commercial Lines CSR

George H. Odiorne Insurance Agency Inc.

P.O. Box 830

Brandon, FL   33509

Direct Line:          (813)982-3720

Automated Line:  (813)685-7731, Ext. 3720

Fax:                       (813)685-1823

sfilep@odiorneinsurance.com

For Certificates, billing and any policy service questions/needs, please email or call Leann Collins @ 813-982-3741 / lcollins@odiorneinsurance.com

IMPORTANT DISCLAIMER:  No coverage can be bound until confirmed by an agent of George H Odiorne Insurance Agency.

E-Mail Confidentiality Form

P Please consider the environment before printing this e-mail

Confidentiality Note: This email, including its contents and attachments, if any, are confidential. If you are not the named recipient please notify the sender and immediately delete it. You may not disseminate, distribute, or forward this email message or disclose its contents to anybody else. Copyright and any other intellectual property rights in its contents are the sole property of George H Odiorne Insurance Agency Inc. Email transmission cannot be guaranteed to be secure or error-free. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission.  If verification is required please request a hard-copy version. Although we routinely screen for viruses, addressees should check this email and any attachments for viruses. We make no representation or warranty as to the absence of viruses in this email or any attachments.

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WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

"


categories[0]:
    receivedDateTime: "2026-02-22T00:37:50Z"
    sentDateTime: "2026-02-22T00:37:45Z"
    hasAttachments: false
    internetMessageId: <YLRHSRlKQYK0tsvGg6l84A@geopod-ismtpd-3>
    subject: Caribou St Pete Beach has entered Communication and Clarity
    bodyPreview: "Project entered Communication and Clarity stage\r\n\r\n(deadline Fri, Aug 22)\r\n\r\n\r\n\r\nCaribou St Pete Beach\r\n\r\nWorkspace: ASH Projects\r\nDeadline: Fri, Nov 14\r\nAssignee:\r\n\r\nCR\r\n\r\nChad Rogers\r\nOpen in Motion\r\nUpdate notification settings\r\n\r\n\r\nWARNING - This emai"
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    conversationIndex: AQHco5N4Qb2M0qVpWku092frb/JgyQ==
    isDeliveryReceiptRequested: null
--
    isDraft: false
    webLink: "https://outlook.office365.com/owa/?ItemID=AAMkAGFhMDE1MTUxLWUwNGQtNGUxMS1iY2E3LWJmNDE0ZmMxMWE0NgBGAAAAAACxN6ElmJ8LRpxlh%2FQtokTbBwDMjsz66%2B9WRL7b6Aufm9bQAAAAAAEMAADMjsz66%2B9WRL7b6Aufm9bQAAaPPgTBAAA%3D&exvsurl=1&viewmodel=ReadMessageItem"
    inferenceClassification: focused
    body:
      contentType: html
      content: "\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\">

Project entered Communication and Clarity stage

(deadline Fri, Aug 22)

Caribou St Pete Beach

Workspace: ASH Projects

Deadline: Fri, Nov 14

Assignee:

CR

Chad Rogers

Open in Motion

Update notification settings

<img src=\"https://u15212400.ct.sendgrid.net/wf/open?upn=u001.ssir4acgRvTqjywbCMilvAGSaIXZmSGb-2FAXqPYOn7QbhNgJFhxEtfDUkS50MqAaaRDCWBZLjjxq-2FwKOFb9DHsQDblZg-2FWtiF43lDCel6-2BMEk1UyahHdAJFYVyvvWxeKGJVSgnP-2FiGVijhUaMemWwSYIeXmuqD1JdWU-2FSeWc00pd1MM9fMOCP-2FBnJf8IxyqGDbhnm34IsDdRtv2vD0RKNzwd7wVHc2KEo41I4m-2BykrdzeTejonxGKJWaYtAL3s-2FnJsS3pItXA-2BpbcPtrNZ4lAyu22mNyJO1vohDAaZD-2FCW2rYISeWSGPE78YLBYsY6Nx2U7purPg6CNWCYFjdq0o6BKj70ZeIRVyWlwN-2F32oznis-3D\" alt=\"\" width=\"1\" height=\"1\" border=\"0\" style=\"height:1px!important; width:1px!important; border-width:0!important; margin-top:0!important; margin-bottom:0!important; margin-right:0!important; margin-left:0!important; padding-top:0!important; padding-bottom:0!important; padding-right:0!important; padding-left:0!important\">

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

"
    sender:
      emailAddress:
        name: Motion
        address: notifications@usemotion.app
    from:
--
    categories[0]:
    receivedDateTime: "2026-02-22T00:37:48Z"
    sentDateTime: "2026-02-22T00:37:43Z"
    hasAttachments: false
    internetMessageId: <cQqesGJqRTO-H7ewmjtIQQ@geopod-ismtpd-7>
    subject: Caribou GTB has entered Communication and Clarity
    bodyPreview: "Project entered Communication and Clarity stage\r\n\r\n(deadline Fri, Aug 22)\r\n\r\n\r\n\r\nCaribou GTB\r\n\r\nWorkspace: ASH Projects\r\nDeadline: Fri, Nov 14\r\nAssignee:\r\n\r\nCR\r\n\r\nChad Rogers\r\nOpen in Motion\r\nUpdate notification settings\r\n\r\n\r\nWARNING - This email is origi"
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    isDeliveryReceiptRequested: null
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    inferenceClassification: focused
    body:
      contentType: html
      content: "\r\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\">

Project entered Communication and Clarity stage

(deadline Fri, Aug 22)

Caribou GTB

Workspace: ASH Projects

Deadline: Fri, Nov 14

Assignee:

CR

Chad Rogers

Open in Motion

Update notification settings

<img src=\"https://u15212400.ct.sendgrid.net/wf/open?upn=u001.ssir4acgRvTqjywbCMilvAGSaIXZmSGb-2FAXqPYOn7QbhNgJFhxEtfDUkS50MqAaaRDCWBZLjjxq-2FwKOFb9DHsQDblZg-2FWtiF43lDCel6-2BMEk1UyahHdAJFYVyvvWxeKGJVSgnP-2FiGVijhUaMemWwSYIeXmuqD1JdWU-2FSeWc00peBQ0ljLOb48kbgvlUaa1cRZ0bJWYXfeXHI9xVs4hK5QvwFijYNqjcITqUxiUEUy1AvsfFRpfFa4glPzgKXbcKLD-2B-2FJdo1vGEbRvJZCLL7vHnuXVZtETmjKMNWZe05skFs0j3JrXH0HaC3Ub2bkVq79fiTz95Z7GPbraZ0vS-2FDb5Gq4YWND2jzlTS0Lx4qAziA-3D\" alt=\"\" width=\"1\" height=\"1\" border=\"0\" style=\"height:1px!important; width:1px!important; border-width:0!important; margin-top:0!important; margin-bottom:0!important; margin-right:0!important; margin-left:0!important; padding-top:0!important; padding-bottom:0!important; padding-right:0!important; padding-left:0!important\">

WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

"
    sender:
      emailAddress:
        name: Motion
        address: notifications@usemotion.app
    from:


I found the Motion project tracking emails. They show:

1. **Caribou St Pete Beach** - Deadline: Fri, Nov 14 (Workspace: ASH Projects)
2. **Caribou GTB** (Gulf to Bay) - Deadline: Fri, Nov 14 (Workspace: ASH Projects)

Both are assigned to Chad Rogers (CR) and are in the "Communication and Clarity" stage.

I also see from earlier emails that Wake Up 727 has at least 4 locations:
1. 1700 Gulf to Bay (GTB) - Clearwater
2. 4375 E Bay Dr - Clearwater
3. St. Pete Beach
4. Palm Harbor (mentioned but need to find address)

Let me search for Palm Harbor location address and update the punch list.

Found Motion project tracking for **Caribou St Pete Beach** and **Caribou GTB** (Gulf to Bay). Searching for Palm Harbor address:

grep -B20 -A20 "palm" /tmp/ash-emails-500.yaml | grep -E "(subject:|address:|location:|property)" | head -20

grep -i "Caribou.*Palm\|Palm.*Caribou\|Palm Harbor.*Caribou\|Caribou.*Harbor" /tmp/ash-emails-500.yaml | head -20

grep "Caribou" /tmp/ash-emails-500.yaml | grep "subject:" | sed 's/.*subject: "//;s/"$//' | sort -u | head -20


subject: Entitled Infill | 38 Units | Goldenrod Corridor
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WARNING - This email is originated from OUTSIDE OF YOUR ORGANIZATION. Do not click on any link and do not open any attachments unless you can confirm the sender.

"
        address: LonnieDevelops@pb07.wixemails.com
        address: LonnieDevelops@pb07.wixemails.com
          address: chad@ashenterprises.us
          address: LonnieDevelops@gmail.com