West v. State Farm · CJ-2025-135 · Exhibit 04
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The roof “opportunity” was indemnity spend
Manduca called the bucket “indemnity spend,” compared State Farm’s replacement rates with Accenture figures, and said improved “Accuracy” in one bucket could be worth $50 million. Money not paid for full roofs was treated as an enterprise opportunity.
The hypothesis helped us see our biggest buckets of opportunity (indemnity spend)
- claim payments
- full roofs
- $50 million
Source: Released court-filed record · filed PDF pages 35. The source page is preserved; Friedman & Associates’ attribution sits outside it.