good places first of all to understand the disparity between my current estimates and reference work you have to understand that my current estimates included over fifty thousand dollars  from an expert saying i'm in a building or a contractor and no reasonable person could possibly think this would be done for eighteen thousand dollars and then you'd be pointing us towards that evidence i don't see anything like that  record you have to understand the composition of the reference panel consist of the property adjusters but they simply determine what they thought the amount was they didn't determine the spectrum of reasonableness and you need to have u find that the seventeen thousand eight hundred was off the spectrum of three some of this not just different from the number picked by the referee i don't think you can draw an inference just from the award but if you couple it company's position was after my clients it submitted over one hundred and fifty thousand dollars worth of estimates you just the supervisor came back with the same seventeen thousand dollars they were going to after another inspection of the property it how does it get off that well because even there their own independent adjuster when they saw the one hundred and fifty thousand dollars worth of estimates were that is only an estimate of seventeen thousand dollars and said something is wrong here estimates that the difficulty here you're in i guess would be easier if you could put yourself in my client shoes and say was it reasonable for nuisance to happen in this sequence over this or i learned it was two different people arrive to different assessment of how much the work was cost you're saying because they were so far apart the lower one dollar must be unreasonable  guys said still on the open market never sells for less than a one thousand dollars a square foot and they say they have steel of a dollar a square foot so that's just totally unreasonable if there were something like that in the record then you could start to say something like that or if you could show that they are actually your honor we did in the brief in the opposition to summary judgment brief we did argue that prices that were experience why it's per se unreasonable for an insurance company send out an estimate in june and not contact it's insured until he was contacted by them in november which is mostly talking every two weeks different point in time and against that backdrop it's not uncommon in a situation where there is damage to property the more additional day and age to be discovered or to become apparent in a later point in time you at the outset of the ok i'll bank i put that aside and you keep a sort of not running get answered the question at that period from november when they sent the estimates to my never it is that insurance i believe in may or june of two thousand and fifteen and it's not a general failure of two thousand and fifteen but the insurers were spoiled and at that point in time provide copies of the insurance attorney and the insurance contractor so i mean everybody who's got a say in this when ross s his president through this inspection a seller mental estimate is worth and i think the replacement cost values thirty six thousand the actual cash value was twenty eight at the request of my brother was to hire all the insurance company issued the payment the insurers were not satisfied with that sold they demanded reference estimate for two hundred and thirty six thousand dollars by the time this crane goes through reference and you've got the insurance briefs in the record on the twelve frames now two hundred and eighty thousand dollars and even during the reference on time and say it's crystal clear and there's no evidence of that in the record you know and as to the delays that they found out i don't really have excuses for those you have the correspondence that was sent by individuals adjuster gets to sit down and make up the unit cost per square foot to replace shuttles these are all pre determined but there was never any testimony taken from the adjusters who conducted the actual inspections and who prepared the estimates the kind of ferret that out so you know if it is in there i would submit that it's more of a conclusion restatement rather than something that's backed up by actual tangible evidence that the adjusters did something wrong in the calculation of their absence of any evidence to show that you know the original estimate was the product of so you know shortcomings in the investigation or other unfair and set of kind of what accounted for one hundred and thirty thousand difference well  can tell you for i can tell you for example that the insurance company there are some issues about inspecting the roof that are discussed in the correspondence contained in the record the parties each had who st at the reference who were on the roof top to one reasoned decision they just come out with with a memo so it's clear to me that you know they said that some of the plaintiffs were claiming and they did not accept other items that the plaintiffs were claiming exactly  and again none of that is apparent in the record here chiqui with regards to the you know initial delay in communication and also with regards to to the investigation this is just of no evidence to support the varies depending on whether it's st her rd party yes i think there are as and i think