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Taylor Property(4/21/2021) Page 3 of 4 • Based on assessment findings, FAGS concluded that wildfire smoke impact was suspected on surfaces and contents in the shop (aka garage), attic space and interior surfaces and contents located directly adjacent to exterior entry points (<5ft) in the home. • See FACS report for a detailed list of remediation recommended based on assessment findings. Discussion It is the understanding of FACS that the insured has concerns regarding differing conclusions and recommendations between FACS and Indy Safety regarding wildfire smoke impact to the property. The following discussion is provided in order to provide comment regarding this issue. In cases of wildfire smoke impact assessments, interpretation of some of the sampling data, specifically particle identification, is currently based on the experience and opinion of the evaluators (no standard or proposed published standard exists). FACS's interpretation of the documents provided is based on FACS's experience in assessing the impact of multiple wildfires on thousands of properties across the western United States, and review of reputable industry guidelines such as: American Industrial Hygiene Association's Technical Guide for Wildfire Impact Assessments for the OEHS Professional and the Restoration Industry Association (RIA) Guidelines for Fire and Smoke Damage Repair, 2nd Edition, 2007. FACS evaluates fire and smoke impact using the following criteria: sensory observations (observable smoke odors, visually confirmable(as fire related)debris/staining/corrosion indicative of smoke particle deposition)and dust composition sample results. In addition, a history of events and general construction characterization of the property is developed to assist in the evaluations. Conclusions and recommendations are generated based on review of all parameters noted above. FACS's approach is consistent with the American Industrial Hygiene Association's (AIHA) Technical Guide for Wildfire Impact Assessments for the OEHS Professional, which recommends that a comprehensive wildfire assessment should include a relevant history of events; general construction basics of the property of concern; detailed sensory observations (e.g., odor evaluation, visible/physical impact); and sampling as needed. FACS' review of the Indy Safety evaluation of the Taylor property indicates the evaluation does not include the basic elements of a comprehensive wildfire assessment. In general,the report lacked any on- site information with the exception of sample results. No photos or any information regarding on-site findings (visual or olfactory)were provided in the report. Additionally, sampling performed did not appear to provide detailed information on the methodology used or a clear explanation of its purpose. Examples include: • Particle counts were measured with direct reading devices. The devices were described as particle counters. However, the concentration values in which measurements were expressed in (e.g., particle counts per liter)was not provided. Results were reportedly compared to EPA's Air Quality Index(AQI)for"Good". No information regarding the value for an air quality index for "Good"was provided.Additionally, AQI values are calculated using monitors that measure mass concentrations (e.g., milligrams per cubic meter)and not particle counts. Therefore, comparing ------ particle counts to AQI values is unacceptable. • Surface wipe samples were collected for metals and results compared to OSHA PELs. OSHA PELs are occupational exposure limits and represent the maximum permitted 8-hour time- weighted average concentration of an airborne contaminant. They are set at a level to which nearly all workers may be exposed daily during a 40-hour workweek for a working lifetime without expected adverse effect. FACS disagrees with the use of the data as presented in the report. The subject property is a residential setting and results should be representative of that setting. FACS recommends that samples be compared to other reference levels such as EPA regional screening levels, or EPA benchmark study, etc. o Note, comparison of reference level cited by FACS has not been performed. If requested, FACS can do so with authorization from the client. www.forensicanalytical.com Right People. Right Perspective. Right Now.