White Tab 104 — Pre‑Insurance Inspection Meeting (Dec 2019) — Evidence Packet (Facts‑Only)¶
GUARDRAIL: WHITE — FACT REPOSITORY ONLY
Facts & source pinpoints only. No strategy, no argument, no legal opinions. All quotations are "as reported" unless exact text appears in a cited source.
A. Scope & Source (Facts‑Only)¶
What this packet preserves: A neutral, citation‑ready record of pre‑insurance inspection interactions at G21 (226 Franklin Street, Apartment G21; entrance 97 Green Street, Brooklyn, NY 11222) following the October 13, 2019 flood.
Framework: A four‑event sequence documented in White:
- B.0 — Precursor (solo contractor inspection): Late November 2019 — Total Restoration (Chris Roussis) — moisture testing & preliminary scope observations.
- B.1 — Meeting #1 (Dec 11, 2019): Staging / pre‑inspection coordination — Evan Katz; Total Restoration representative (Chris Roussis and/or Julian Rivera — to be established); Christian Gray; Martin Kofman possibly at the beginning (to be established). Held on a different day than the master‑adjuster walkthrough (B.2).
- B.2 — Meeting #2 (mid/late Dec 2019): Master‑adjuster walkthrough — Master Adjuster (TBD); Martin Kofman; Evan Katz; Chris Roussis (TR); Christian Gray.
- B.3 — Meeting #3 (Feb 26, 2020): Post‑Approval Walkthrough / Mold Scope — Evan Katz; Julian Rivera (TR); Christian Gray; Alex Morales possible (minor presence; to be established).
Context note (facts‑only): Approval disclosure (as reported): a TR witness stated that the carrier had approved the landlord's insurance claim for Studios 1 & 2 (authorization of a full settlement amount). Whether funds were disbursed at that time is unknown and must be established in discovery.
Primary source attachment: Pre‑Insurance_Inspection_Meeting_Evidence.pdf — narrative/testimonial PDF memorializing participants, statements, and observations across these events.
Company naming correction (applied throughout): Total Restoration, Inc. is the contractor for both the precursor and later meetings (colleagues Chris Roussis and Julian Rivera). Prior references to "Total Remediation" were errors and are corrected here.
Attribution standard: Statements are recorded as reported with (PDF p. TBD) placeholders pending pinpoint pass. The master adjuster's identity remains TBD (see §G).
B. Four‑Event Chronology (Facts as Reported)¶
B.0 — Precursor: Early Contractor Inspection (Solo) — Late November 2019¶
Date window: ~2019‑11‑19 → 2019‑11‑25 (to be verified).
Anchors: WT‑102 references "first adjuster ~Nov 19" and identifies "Chris" performing moisture tests and demo spec; 2019‑11‑22 landlord scheduling email requests Monday access (likely 2019‑11‑25).
Location: G21 (on site)
Person/Company: Chris (Christopher) Roussis — Total Restoration, Inc. (solo)
Purpose: Moisture testing and initial scope observations.
Collection (WT‑003): Scheduling artifacts; moisture readings/notes; preliminary scope/estimate; photos; any transmittals to Power Adjustment or American Package Co.
B.1 — Meeting #1 — 2019‑12‑11 (Staging / Pre‑Inspection Coordination)¶
Time/Sequencing: ~10:00–11:00 AM. Not the same day as B.2; B.2 occurred later in mid/late December 2019.
Location: Studio G21 (97 Green Street).
Participants: Evan Katz (Power Adjustment); TR representative — Chris Roussis and/or Julian Rivera (to be established); Christian Gray; Martin Kofman possible at beginning (to be established).
Purpose (as reported): Pre‑inspection scene preparation/staging prior to the later master‑adjuster walkthrough.
Reported statement: Evan Katz — items "were moved to make it look like something was being done."
Collection: Photos/work orders/mover invoices (Dec 11–12); staging comms; statement from TR attendee.
B.2 — Meeting #2 — Mid/Late December 2019 (Master‑Adjuster Walkthrough)¶
Location: Studio G21.
Participants: Master Adjuster (TBD); Martin Kofman; Evan Katz; Chris Roussis (TR); Christian Gray.
Pre‑walk coordination (as reported):
- Kofman: non‑disclosure instruction re: tenant‑built fixtures; characterization approach favoring landlord property.
- Katz: reinforcement of non‑disclosure; assurance Kofman is a "standup guy" who would "cut you a large check."
Tenant response: Gray refused to participate in non‑disclosure.
Adjuster observations (as reported): Immediate recognition of professional studio; prior Electric Ladyland reference; "no doubt" on pro status.
Tier‑1 Critical: Master Adjuster identity/report/photos; Kofman↔Katz comms; G21 claim file; Dec 5, 2019 scheduling email.
Day‑separation: B.1 (2019‑12‑11) and B.2 (mid/late Dec) occurred on different days.
B.3 — Meeting #3 — 2020‑02‑26 (Post‑Approval Walkthrough / Mold Scope)¶
Participants: Evan Katz; Julian Rivera (TR); Christian Gray. Alex Morales possible (minor presence; to be established).
Purpose: Follow‑up visit to scope mold‑removal work.
Hallway (Studios 1 & 2 corridor) — approval disclosure (as reported): TR witness stated that the carrier had approved the landlord's insurance claim for Studios 1 & 2 (authorization of a full settlement amount). Whether funds were disbursed at that time is unknown and must be established in discovery.
Immediate reaction: Katz sharply reprimanded Rivera for making the disclosure in front of the tenant.
Kitchen: Katz reportedly "padded the numbers."
Collection: Rivera formal statement (approval disclosure; reprimand; kitchen admission); claim‑approval/disbursement records (notices, timing, amounts, payee); TR job file; PA claim file; TR↔PA / TR↔American Package comms.
C. Participant Directory (Facts‑Only; Roles as Documented)¶
| Person | Company | Appearance(s) | Status in White |
|---|---|---|---|
| Chris (Christopher) Roussis | Total Restoration, Inc. | B.0 (solo); B.2; B.1 (uncertain) | WT‑203; collect B.0 scope/drawings + transmittals; corroborate B.2 presence. |
| Julian Rivera | Total Restoration, Inc. | B.3; B.1 (possible) | WT‑202; verify any B.1 presence; collect estimate & statements. |
| Evan Katz | Power Adjustment | B.1; B.2; B.3 | WT‑201; license/claim‑file tasks open. |
| Master Adjuster (TBD) | Carrier or IA firm | B.2 | Identity/report/photos — Tier‑1 Critical. |
| Alex Morales (possible) | TBD | B.3 possible | Identity/affiliation verification. |
| Martin Kofman | American Package Co. | B.2; B.1 (possible at beginning) | Landlord principal. |
| Christian Gray | Tenant | B.0; B.1; B.2; B.3 | Tenant; WT‑102 contemporaneous email anchors. |
Naming canon: Total Restoration, Inc. (replace legacy "Total Remediation").
D. Reported Statements — Detailed Citations (For Exhibit Preparation)¶
All quotations are "as reported"; pinpoint pages to be added (Tasks 104‑010/011).
Kofman (B.2): non‑disclosure instruction; fixture characterization as landlord property.
Katz (B.1/B.2/B.3): staging remark; non‑disclosure reinforcement; "standup guy… large check"; "padded the numbers" (kitchen, B.3).
Rivera (B.3): carrier approved landlord's Studios 1 & 2 property‑damage claim for a full settlement amount; disbursement unknown.
Master Adjuster (B.2): recognized professional studio; Electric Ladyland reference; "no doubt" on pro status.
Tenant (B.2): refused to conceal fixture ownership.
E. Source Material References & Cross‑References¶
White Tabs: WT‑102 (Jan 21, 2020 email); WT‑103 (Dec 18, 2019 declination); WT‑201/202/203 (witness profiles); WT‑001 (Master Timeline); WT‑002 (Directory); WT‑003 (Collection Tracker).
External Anchors: 2019‑11‑22 landlord scheduling email; 2019‑12‑05 coordination email (collect); 2019‑10‑13 flood (context).
F. Attachment Index & Bates¶
Primary Attachment: Pre‑Insurance_Inspection_Meeting_Evidence.pdf
Bates: G21‑EVID‑041–049 (9 pp).
Content: Participants, reported statements, and observations across B.0–B.3.
Status: PDF confirmed; Bates confirmed. Pinpoints pending (104‑010).
Planned Bates Sub‑Ranges (to map in 104‑011):
Participants 041–0XX; B.0 0XX–0XX; B.1 0XX–0XX; B.2 pre‑walk 0XX–0XX; B.2 walkthrough 0XX–0XX; B.3 0XX–049 (all TBD).
G. Discovery & Collection Targets (Tracked in WT‑003)¶
Tier‑1 CRITICAL:
104‑001 Master Adjuster identity/report/photos · 104‑002 Kofman↔Katz comms (Nov–Dec 2019) · 104‑003 G21 claim file (fixture characterization; valuations) · 104‑004 Studios 1 & 2 claim‑approval/disbursement records (approval notices; timing; amounts; payee).
Tier‑2 HIGH:
104‑005 Roussis statement (B.0; B.2; any B.1 role) · 104‑006 Rivera statement (B.3 approval disclosure; reprimand; kitchen admission; any B.1 presence) · 104‑007 Alex Morales ID/affiliation (B.3 presence) · 104‑008 TR project files (B.0/B.1/B.3) · 104‑009 Tenant corroboration.
Tier‑3 PROCESSING:
104‑010 Page pinpoint pass · 104‑011 Bates sub‑range map · 104‑012 2019‑12‑05 coordination email.
H. Narrative Memorandum Companion (WT‑104M)¶
WT-104_PreInsurance_Inspection_Narrative.pdf
Title: WT‑104M — Pre‑Insurance Inspection Sequence: Narrative Companion (Facts‑Only)
Purpose: A linear, date‑stamped narrative synthesizing B.0 → B.3 with verbatim "as reported" quotes, explicit attributions, and inline references to WT‑102/WT‑103 and the Attachment PDF.
Scope/Boundaries:
- Facts‑only (White) — no strategy, no legal conclusions, no argument.
- Highlights who said what, when, and where, and which document anchors each assertion.
Suggested Outline:
- Overview & Actors (Kofman, Katz, Roussis, Rivera, Master Adjuster, Gray).
- Timeline Narrative (Nov 19–25 solo → Dec 11 staging → mid/late Dec master‑adjuster walkthrough → Feb 26 post‑claim‑approval follow‑up).
- Document Hooks (WT‑102; WT‑103; Attachment PDF; email anchors).
- Verification Gaps (what remains to be collected).
Cross‑refs: WT‑104 (this tab), WT‑201/202/203, WT‑003 task IDs.
END — White Tab 104 — Pre‑Insurance Inspection Meeting (Dec 2019) — Evidence Packet (Facts‑Only) v1.14