diff --git a/BodyshopUploader/Utils/Decoder/EstimateDecoder.cs b/BodyshopUploader/Utils/Decoder/EstimateDecoder.cs
index b0b43cb..eca6d38 100644
--- a/BodyshopUploader/Utils/Decoder/EstimateDecoder.cs
+++ b/BodyshopUploader/Utils/Decoder/EstimateDecoder.cs
@@ -264,6 +264,35 @@ namespace BodyshopPartner.Utils.Decoder
                             ownerRoot.ownr_ea = readValues[101];
                             ownerRoot.shopid = AppMetaData.ActiveShopId;
 
+
+                            //Validate that the owner is not empty. If it is, use the insured.
+                            if (String.IsNullOrEmpty(ownerRoot.ownr_ln?.Value) && String.IsNullOrEmpty(ownerRoot.ownr_fn?.Value) && String.IsNullOrEmpty(ownerRoot.ownr_co_nm?.Value))
+                            {
+                                logger.Debug("Owner FN/LN/CO NM were all empty. Using insured information instead.");
+                                j.ownr_ln = readValues[68];
+                                j.ownr_fn = readValues[69];
+                                j.ownr_title = readValues[70];
+                                j.ownr_co_nm = readValues[71];
+                                j.ownr_addr1 = readValues[72];
+                                j.ownr_addr2 = readValues[73];
+                                j.ownr_city = readValues[74];
+                                j.ownr_st = readValues[75];
+                                j.ownr_zip = readValues[76];
+                                j.ownr_ctry = readValues[77];
+                                j.ownr_ph1 = readValues[78];
+                                if (String.IsNullOrWhiteSpace(ownerRoot.ownr_ph1.Value))
+                                {
+                                    ownerRoot.ownr_ph1 = readValues[80];
+                                }
+                                //j.insd_ph1x = readValues[79];
+                                // j.insd_ph2 = readValues[80];
+                                // j.insd_ph2x = readValues[81];
+                    
+                                j.ownr_ea = readValues[84];
+
+                            }
+
+
                             j.owner = new JObject();
                             j.owner.data = ownerRoot;
                             reader.Dispose();
@@ -1145,6 +1174,7 @@ namespace BodyshopPartner.Utils.Decoder
                             dynamic ttl_x = new JObject();
                             ttl_x.g_ttl_amt = readValues[0];//G_TTL_AMT
                             ttl_x.g_bett_amt = readValues[1];//G_BETT_AMT
+                            j.depreciation_taxes = readValues[1]; //Store Betterment IO-1324
                             ttl_x.g_rpd_amt = readValues[2];//G_RPD_AMT
                             ttl_x.g_ded_amt = readValues[3];//G_DED_AMT
                             ttl_x.g_cust_amt = readValues[4];//G_CUST_AMT