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Claim #16
Scope Notes
Extract & summarize
Photo Analysis
12 photos
Final Assessment
Xactimate output
Overview
Photos (12)
Stage 1
Stage 2
Stage 3
Insured Information
Name: Mark & Linda Rogers
Property: Home
Policy: HO-3 Special Form
Property: Home
Policy: HO-3 Special Form
Primary Cause of Loss
Water intrusion.
Executive Summary
The property sustained water damage affecting drywall, popcorn ceiling tiles, crown molding, and rugs in the Living Room, Kitchen, and Family Room. Belfor mitigation services were deployed with an estimated cost of $4,000. The damage includes moderate staining and structural impact to ceilings and moldings.
Damaged Items (Xactimate Line Items)
Ceiling drywall
📍 Living Room
Damage: Cracking, water staining, and discoloration
Dimensions: 60 SF
Repair: Replace or repair ceiling drywall, repaint
Popcorn ceiling tiles
📍 Living Room
Damage: Water staining and discoloration
Dimensions: 60 SF
Repair: Replace damaged ceiling tiles
Crown molding
📍 Living Room
Damage: Water staining and discoloration
Dimensions: 28 LF
Repair: Replace or repaint crown molding
Ceiling drywall
📍 Kitchen
Damage: Water staining and discoloration
Dimensions: 45 SF
Repair: Replace or repair ceiling drywall, repaint
Crown molding
📍 Kitchen
Damage: Water staining and discoloration
Dimensions: 45 LF
Repair: Replace or repaint crown molding
Ceiling drywall
📍 Family Room
Damage: Water staining and discoloration
Dimensions: 80 SF
Repair: Replace or repair ceiling drywall, repaint
Crown molding
📍 Family Room
Damage: Water staining and discoloration
Dimensions: 32 LF
Repair: Replace or repaint crown molding
Rugs
📍 Living Room
Damage: Removed due to water damage
Dimensions: 18'x14'
Repair: Replace rugs
Subfloor
📍 Living Room
Damage: Exposed and water-stained
Dimensions: 18'x14'
Repair: Dry or repair subfloor
Wall paneling and trim/molding
📍 Unspecified room
Damage: Water staining and discoloration
Dimensions: NA
Repair: Clean, repaint, and potentially replace trim/molding
Coverage Assessment
The policy type is HO-3 Special Form, which typically covers sudden and accidental water damage but excludes damages caused by wear and tear, neglect, or long-term issues. Based on the scope notes and photos, the damages appear to be sudden and accidental, consistent with water intrusion. However, there is no explicit mention of the source of water intrusion (e.g., plumbing failure, roof leak, or external flooding). If the water intrusion is due to a maintenance issue or long-term neglect, coverage could be denied. Additionally, mold remediation may be limited or excluded depending on the policy terms. No explicit exclusions, such as wear and tear, were identified in the provided data.
Stage 1: Scope Notes Analysis
{
"construction_quality": "NA",
"damaged_structure_types": "Ceiling drywall, popcorn ceiling tiles, crown molding, and rugs.",
"extent_of_damage": "Moderate damage to ceilings and moldings in multiple rooms.",
"fixtures_affected": "Crown molding and rugs.",
"insured_name": "Mark \u0026 Linda Rogers",
"material_colors_and_finishes": "NA",
"material_types": "Drywall, popcorn ceiling texture, and crown molding.",
"object_dimensions": "Living Room: 18\u0027x14\u0027, 60 SF ceiling damage, 28 LF crown molding. Kitchen: 15\u0027x12\u0027, 45 SF molding impacted. Family Room: 20\u0027x16\u0027, 80 SF ceiling damage, 32 LF molding.",
"policy_type": "HO-3 Special Form",
"primary_cause_of_loss": "Water intrusion.",
"property_age": "NA",
"property_location": "NA",
"property_type": "Home",
"repair_and_estimate_indicators": "Belfor mitigation services deployed; estimated cost $4,000.",
"scope_notes_executive_summary": "The property sustained water damage affecting drywall, popcorn ceiling tiles, crown molding, and rugs in the Living Room, Kitchen, and Family Room. Belfor mitigation services were deployed with an estimated cost of $4,000. The damage includes moderate staining and structural impact to ceilings and moldings.",
"secondary_damages": "Water damage and staining.",
"structure_location_context": "Living Room, Kitchen, and Family Room.",
"structure_types": "Drywall, popcorn ceiling tiles, crown molding, and rugs.",
"visible_signs_of_damage": "Water damage and staining to drywall and popcorn ceiling tiles."
}
Stage 2: Photo Analysis (12 photos)
[
{
"completeness_of_scope_notes": "Comprehensive (scope notes align with visible damage in the photo and provide detailed dimensions and repair estimates)",
"construction_quality": "NA (insufficient information to assess construction quality from the photo)",
"damaged_structure_type": "Ceiling drywall and crown molding",
"extent_of_damage": "Moderate (cracking and staining indicate structural and cosmetic damage, but the ceiling is still intact)",
"fixtures_affected": "Crown molding",
"material_color": "White (ceiling and molding appear white in the photo)",
"material_type": "Drywall and crown molding",
"object_dimensions": "Ceiling damage approximately 60 SF and 28 LF crown molding (as per scope notes for the Living Room)",
"photo_clarity": "Good (damage is clearly visible and identifiable)",
"primary_cause_of_loss": "Water intrusion (consistent with visible water staining and scope notes)",
"repair_and_estimate_indicators": "Replace or repair ceiling drywall and crown molding; mitigation services already deployed (as per scope notes)",
"secondary_damage": "Water staining (consistent with water intrusion noted in scope notes)",
"structure_location_context": "Living Room (based on crown molding and ceiling context in the photo and scope notes)",
"structure_type": "Ceiling drywall and crown molding",
"visible_signs_of_damage": "Cracking in the ceiling drywall and water staining visible near the crack"
},
{
"completeness_of_scope_notes": "Comprehensive (scope notes align with visible damage in the photo).",
"construction_quality": "NA (insufficient information to assess construction quality).",
"damaged_structure_type": "Ceiling drywall and crown molding.",
"extent_of_damage": "Moderate (consistent with scope notes and visible damage in the photo).",
"fixtures_affected": "Crown molding.",
"material_color": "White (visible in the photo).",
"material_type": "Drywall with popcorn ceiling texture.",
"object_dimensions": "Living Room: 18\u0027x14\u0027, 60 SF ceiling damage, 28 LF crown molding (from scope notes).",
"photo_clarity": "Good (damage is clearly visible).",
"primary_cause_of_loss": "Water intrusion (consistent with visible water damage and scope notes).",
"repair_and_estimate_indicators": "Replace or repair ceiling drywall, repaint, and address crown molding damage. Belfor mitigation services deployed with an estimated cost of $4,000 (from scope notes).",
"secondary_damage": "Water staining and potential mold development (consistent with water intrusion).",
"structure_location_context": "Living Room (based on crown molding and ceiling context in the photo and scope notes)",
"structure_type": "Ceiling drywall",
"visible_signs_of_damage": "Cracking, staining, and water damage visible on the ceiling drywall."
},
{
"completeness_of_scope_notes": "Comprehensive (scope notes align with visible damage in the photo and provide detailed context)",
"construction_quality": "NA (no clear indicators of construction quality visible in the photo)",
"damaged_structure_type": "Popcorn ceiling tiles",
"extent_of_damage": "Moderate (visible water stains and discoloration affecting multiple tiles, but no severe structural compromise visible)",
"fixtures_affected": "NA (no visible fixtures affected in this specific photo)",
"material_color": "White (with visible discoloration from water damage)",
"material_type": "Popcorn ceiling tiles",
"object_dimensions": "Ceiling damage spans multiple tiles; specific dimensions not measurable from this photo alone",
"photo_clarity": "Good (damage is clearly visible and identifiable)",
"primary_cause_of_loss": "Water intrusion (consistent with water staining visible on ceiling tiles)",
"repair_and_estimate_indicators": "Replace damaged ceiling tiles; mitigation services already deployed per scope notes",
"secondary_damage": "NA (no visible mold, rust, or other secondary damage in the photo)",
"structure_location_context": "Living Room (based on visible beams and ceiling design matching scope notes)",
"structure_type": "Ceiling",
"visible_signs_of_damage": "Water staining and discoloration on ceiling tiles"
},
{
"completeness_of_scope_notes": "Comprehensive (scope notes align with visible damage in the photo)",
"construction_quality": "NA (insufficient information to assess construction quality)",
"damaged_structure_type": "Drywall and crown molding",
"extent_of_damage": "Moderate (visible water staining and potential structural impact to drywall and molding)",
"fixtures_affected": "Crown molding",
"material_color": "Light beige (drywall) and white (crown molding)",
"material_type": "Drywall and crown molding",
"object_dimensions": "NA (no measurable elements or reference markers visible in the photo)",
"photo_clarity": "Good (damage is clearly visible)",
"primary_cause_of_loss": "Water intrusion (consistent with visible water staining and scope notes)",
"repair_and_estimate_indicators": "Replace or repair drywall and crown molding; clean and repaint affected areas (consistent with scope notes and visible damage)",
"secondary_damage": "Water staining",
"structure_location_context": "Living Room (based on visible wall and ceiling context and scope notes)",
"structure_type": "Drywall and crown molding",
"visible_signs_of_damage": "Water staining on drywall and crown molding"
},
{
"completeness_of_scope_notes": "Comprehensive (scope notes align with visible damage in the photo)",
"construction_quality": "NA (no clear indicators of construction quality visible in the photo)",
"damaged_structure_type": "Ceiling drywall, popcorn ceiling tiles, and crown molding",
"extent_of_damage": "Moderate (visible water staining but no severe structural compromise)",
"fixtures_affected": "Crown molding",
"material_color": "White ceiling, off-white crown molding, and beige wall",
"material_type": "Drywall, popcorn ceiling texture, and crown molding",
"object_dimensions": "Living Room: 18\u0027x14\u0027, 60 SF ceiling damage, 28 LF crown molding (from scope notes)",
"photo_clarity": "Good (damage is clearly visible and identifiable)",
"primary_cause_of_loss": "Water intrusion (consistent with visible water staining and scope notes)",
"repair_and_estimate_indicators": "Replace or repair ceiling drywall, popcorn ceiling tiles, and crown molding; Belfor mitigation services deployed with an estimated cost of $4,000 (from scope notes)",
"secondary_damage": "NA (no visible mold, rust, or other secondary damage in the photo)",
"structure_location_context": "Living Room (based on crown molding and wall context)",
"structure_type": "Ceiling and wall",
"visible_signs_of_damage": "Water staining on the wall and ceiling"
},
{
"completeness_of_scope_notes": "Comprehensive (scope notes align with visible damage in the photo).",
"construction_quality": "NA (no clear indicators of construction quality visible in the photo).",
"damaged_structure_type": "Ceiling drywall, crown molding, and wall surface.",
"extent_of_damage": "Moderate (visible water staining and discoloration, but no severe structural compromise visible in the photo).",
"fixtures_affected": "Crown molding.",
"material_color": "White ceiling and molding, beige wall (relevant for replacement matching).",
"material_type": "Drywall and crown molding (as per scope notes and visual confirmation).",
"object_dimensions": "Living Room: 18\u0027x14\u0027, 60 SF ceiling damage, 28 LF crown molding (as per scope notes).",
"photo_clarity": "Good (damage is clearly visible and identifiable).",
"primary_cause_of_loss": "Water intrusion (consistent with visible water staining and scope notes).",
"repair_and_estimate_indicators": "Replace or repair ceiling drywall, repaint ceiling and wall, replace or repaint crown molding (consistent with scope notes and visible damage).",
"secondary_damage": "NA (no visible mold, rust, or other secondary damage in the photo).",
"structure_location_context": "Living Room (based on visible decor and scope notes)",
"structure_type": "Ceiling and wall",
"visible_signs_of_damage": "Water staining on the wall and ceiling, discoloration along the crown molding."
},
{
"completeness_of_scope_notes": "Comprehensive (scope notes align with visible damage in the photo).",
"construction_quality": "Fair (no visible signs of prior repairs or high-end materials).",
"damaged_structure_type": "Rugs and subfloor.",
"extent_of_damage": "Moderate (subfloor exposed and stained, but no severe structural compromise visible).",
"fixtures_affected": "NA (no permanently attached fixtures visible in this photo).",
"material_color": "Beige carpet with multicolored padding.",
"material_type": "Carpet and subfloor (likely wood or composite).",
"object_dimensions": "Living Room: 18\u0027x14\u0027 (as per scope notes).",
"photo_clarity": "Good (damage is clearly visible and identifiable).",
"primary_cause_of_loss": "Water intrusion (consistent with visible water damage and scope notes).",
"repair_and_estimate_indicators": "Carpet removal and replacement, subfloor drying or repair. Belfor mitigation services already deployed.",
"secondary_damage": "Water staining on the subfloor.",
"structure_location_context": "Living Room (based on visible context and scope notes)",
"structure_type": "Flooring",
"visible_signs_of_damage": "Carpet removed, subfloor exposed, and visible water staining on the subfloor."
},
{
"completeness_of_scope_notes": "Partial, as the scope notes do not explicitly mention this specific room or flooring damage.",
"construction_quality": "NA (insufficient information to assess construction quality).",
"damaged_structure_type": "Flooring materials (likely carpet or rug previously present, now removed).",
"extent_of_damage": "Moderate, as the flooring has been removed, and the subfloor shows signs of water damage but appears structurally intact.",
"fixtures_affected": "NA (no visible fixtures appear to be affected in this photo).",
"material_color": "Grayish with discoloration from water staining.",
"material_type": "Subfloor (material type not explicitly identifiable, possibly plywood or concrete).",
"object_dimensions": "NA (no measurable elements or reference markers visible in the photo).",
"photo_clarity": "Good, as the damage and context are clearly visible.",
"primary_cause_of_loss": "Water intrusion, consistent with visible staining and the scope notes.",
"repair_and_estimate_indicators": "Likely requires replacement of flooring materials (e.g., carpet, rug, or other finish). No specific repair actions or cost estimates visible in the photo.",
"secondary_damage": "Water intrusion and staining on the subfloor.",
"structure_location_context": "Room interior (specific room not identified, possibly a bedroom or office based on furniture).",
"structure_type": "Flooring",
"visible_signs_of_damage": "Exposed subfloor with visible staining and discoloration, indicating water damage."
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "Appears aged with no visible prior repairs",
"damaged_structure_type": "Popcorn ceiling tiles and crown molding",
"extent_of_damage": "Moderate",
"fixtures_affected": "Crown molding",
"material_color": "White",
"material_type": "Popcorn ceiling tiles and crown molding",
"object_dimensions": "60 SF ceiling damage, 28 LF crown molding (Living Room dimensions per scope notes: 18\u0027x14\u0027)",
"photo_clarity": "Good",
"primary_cause_of_loss": "Water intrusion",
"repair_and_estimate_indicators": "Replace damaged ceiling tiles and crown molding; Belfor mitigation services deployed with an estimated cost of $4,000.",
"secondary_damage": "Water staining",
"structure_location_context": "Living Room",
"structure_type": "Ceiling",
"visible_signs_of_damage": "Water staining and discoloration on popcorn ceiling tiles."
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "NA",
"damaged_structure_type": "Popcorn ceiling tiles and ceiling drywall",
"extent_of_damage": "Moderate",
"fixtures_affected": "Crown molding",
"material_color": "White",
"material_type": "Popcorn ceiling texture and drywall",
"object_dimensions": "60 SF ceiling damage, 28 LF crown molding",
"photo_clarity": "Good",
"primary_cause_of_loss": "Water intrusion",
"repair_and_estimate_indicators": "Replace or repair damaged ceiling tiles and crown molding; mitigation services already deployed.",
"secondary_damage": "NA",
"structure_location_context": "Living Room",
"structure_type": "Ceiling",
"visible_signs_of_damage": "Water staining and discoloration on the ceiling tiles."
},
{
"completeness_of_scope_notes": "Comprehensive, as the scope notes align with the visible damage in the photo.",
"construction_quality": "Appears standard, no visible signs of prior repairs or poor workmanship.",
"damaged_structure_type": "Drywall and crown molding",
"extent_of_damage": "Moderate, as the damage appears localized but includes visible staining and warping.",
"fixtures_affected": "Crown molding",
"material_color": "Beige wall paint and white crown molding",
"material_type": "Drywall and crown molding",
"object_dimensions": "NA (no measurable reference markers visible in the photo)",
"photo_clarity": "Good, damage is visible and identifiable.",
"primary_cause_of_loss": "Water intrusion, consistent with visible water staining and scope notes.",
"repair_and_estimate_indicators": "Likely requires cleaning, repainting, and possible replacement of drywall and crown molding. Belfor mitigation services are noted in the scope.",
"secondary_damage": "Water staining",
"structure_location_context": "Interior wall and ceiling corner, likely in the Living Room, Kitchen, or Family Room based on scope notes.",
"structure_type": "Drywall and crown molding",
"visible_signs_of_damage": "Water staining and slight warping visible on the drywall near the corner."
},
{
"completeness_of_scope_notes": "Partial, as the scope notes do not explicitly mention this specific wall or room.",
"construction_quality": "Appears standard, with no visible signs of prior repairs or poor workmanship.",
"damaged_structure_type": "Wall paneling and trim/molding.",
"extent_of_damage": "Minor, as the damage appears localized and does not show severe structural impact.",
"fixtures_affected": "Trim/molding along the wall.",
"material_color": "Light beige wall paneling with white trim/molding.",
"material_type": "Painted wall paneling and trim/molding.",
"object_dimensions": "Dimensions not explicitly measurable from the photo. No tools or reference markers are visible.",
"photo_clarity": "Good, as the damage is visible and the photo is clear.",
"primary_cause_of_loss": "Water intrusion, consistent with the staining visible on the wall and the scope notes.",
"repair_and_estimate_indicators": "Likely repair actions include cleaning, repainting, and potentially replacing the affected trim/molding. No specific cost estimates or trade groupings are provided in the scope notes for this area.",
"secondary_damage": "NA, as no mold, rust, or other consequential damage is visible in the photo.",
"structure_location_context": "Unspecified room, likely a common area based on flooring and wall design. Not explicitly mentioned in scope notes.",
"structure_type": "Interior wall",
"visible_signs_of_damage": "Staining and possible water damage visible on the wall surface."
}
]
Stage 3: Final Assessment
{
"items_damaged": [
{
"damage": "Cracking, water staining, and discoloration",
"dimensions": "60 SF",
"item": "Ceiling drywall",
"location": "Living Room",
"repair_action": "Replace or repair ceiling drywall, repaint"
},
{
"damage": "Water staining and discoloration",
"dimensions": "60 SF",
"item": "Popcorn ceiling tiles",
"location": "Living Room",
"repair_action": "Replace damaged ceiling tiles"
},
{
"damage": "Water staining and discoloration",
"dimensions": "28 LF",
"item": "Crown molding",
"location": "Living Room",
"repair_action": "Replace or repaint crown molding"
},
{
"damage": "Water staining and discoloration",
"dimensions": "45 SF",
"item": "Ceiling drywall",
"location": "Kitchen",
"repair_action": "Replace or repair ceiling drywall, repaint"
},
{
"damage": "Water staining and discoloration",
"dimensions": "45 LF",
"item": "Crown molding",
"location": "Kitchen",
"repair_action": "Replace or repaint crown molding"
},
{
"damage": "Water staining and discoloration",
"dimensions": "80 SF",
"item": "Ceiling drywall",
"location": "Family Room",
"repair_action": "Replace or repair ceiling drywall, repaint"
},
{
"damage": "Water staining and discoloration",
"dimensions": "32 LF",
"item": "Crown molding",
"location": "Family Room",
"repair_action": "Replace or repaint crown molding"
},
{
"damage": "Removed due to water damage",
"dimensions": "18\u0027x14\u0027",
"item": "Rugs",
"location": "Living Room",
"repair_action": "Replace rugs"
},
{
"damage": "Exposed and water-stained",
"dimensions": "18\u0027x14\u0027",
"item": "Subfloor",
"location": "Living Room",
"repair_action": "Dry or repair subfloor"
},
{
"damage": "Water staining and discoloration",
"dimensions": "NA",
"item": "Wall paneling and trim/molding",
"location": "Unspecified room",
"repair_action": "Clean, repaint, and potentially replace trim/molding"
}
],
"policy_coverage_issues": "The policy type is HO-3 Special Form, which typically covers sudden and accidental water damage but excludes damages caused by wear and tear, neglect, or long-term issues. Based on the scope notes and photos, the damages appear to be sudden and accidental, consistent with water intrusion. However, there is no explicit mention of the source of water intrusion (e.g., plumbing failure, roof leak, or external flooding). If the water intrusion is due to a maintenance issue or long-term neglect, coverage could be denied. Additionally, mold remediation may be limited or excluded depending on the policy terms. No explicit exclusions, such as wear and tear, were identified in the provided data.",
"primary_cause_of_loss": "Water intrusion. The photos and scope notes consistently indicate water intrusion as the primary cause of loss. This is evidenced by visible water staining, discoloration, and cracking in the ceiling drywall, popcorn ceiling tiles, crown molding, and subfloor. No inconsistencies were found between the photos and the scope notes. Secondary damages, such as water staining and potential mold development, further support this conclusion. External contributing factors, such as storm debris or waterline marks, were not explicitly mentioned or visible in the provided data."
}