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Claim #50
Scope Notes
Extract & summarize
Photo Analysis
8 photos
Final Assessment
Xactimate output
Overview
Photos (8)
Stage 1
Stage 2
Stage 3
Insured Information
Name: Thomas & Karen Holt
Property: Family Home
Policy: HO-3
Property: Family Home
Policy: HO-3
Primary Cause of Loss
Fallen tree with limbs extending across boundary line
Executive Summary
The insured property, a family home built in 1985, sustained moderate damage to approximately 50 LF of fencing due to a fallen tree. The damage includes 6 broken posts and displaced sections, with access limited until tree removal. A tree removal estimate has been provided by the insured.
Damaged Items (Xactimate Line Items)
Unknown Item
📍 N/A
Damage: N/A
Dimensions: N/A
Repair: N/A
Unknown Item
📍 N/A
Damage: N/A
Dimensions: N/A
Repair: N/A
Unknown Item
📍 N/A
Damage: N/A
Dimensions: N/A
Repair: N/A
Coverage Assessment
The policy type is HO-3, which typically covers damage caused by falling objects, including trees, unless exclusions apply. There are no indications in the scope notes or photos of exclusions such as wear and tear being the primary cause of damage. While the fence appears aged and weathered, the damage is directly attributed to the fallen tree, which is a covered peril under an HO-3 policy. However, the fence's location partially on the neighbor's property may raise questions about coverage for the portion of the fence not on the insured's property. This should be clarified with the insurer. Additionally, tree removal costs may be subject to policy limits or exclusions, depending on the specific terms of the policy.
Stage 1: Scope Notes Analysis
{
"construction_quality": "Not specified",
"damaged_structure_types": "Fence",
"extent_of_damage": "Moderate",
"fixtures_affected": "Not specified",
"insured_name": "Thomas \u0026 Karen Holt",
"material_colors_and_finishes": "Not specified",
"material_types": "Not specified",
"object_dimensions": "Approximately 50 LF fence",
"policy_type": "HO-3",
"primary_cause_of_loss": "Fallen tree with limbs extending across boundary line",
"property_age": "39 years (Built 1985)",
"property_location": "122 Maple Grove Ln., Bridgewater, NJ 08807",
"property_type": "Family Home",
"repair_and_estimate_indicators": "Tree removal estimate provided by insured",
"scope_notes_executive_summary": "The insured property, a family home built in 1985, sustained moderate damage to approximately 50 LF of fencing due to a fallen tree. The damage includes 6 broken posts and displaced sections, with access limited until tree removal. A tree removal estimate has been provided by the insured.",
"secondary_damages": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_types": "Fence",
"visible_signs_of_damage": "6 posts broken, sections displaced"
}
Stage 2: Photo Analysis (8 photos)
[
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "Appears aged with no visible recent repairs",
"damaged_structure_type": "Fence posts and panels",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Brown (natural wood finish)",
"material_type": "Wood",
"object_dimensions": "Approximately 50 LF fence as noted in scope notes",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across boundary line",
"repair_and_estimate_indicators": "Tree removal required before fence repair; repair likely involves replacing broken posts and displaced sections",
"secondary_damage": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken posts and displaced fence sections"
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "Aged, with signs of wear and weathering",
"damaged_structure_type": "Fence posts and panels",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Weathered gray",
"material_type": "Wood",
"object_dimensions": "Approximately 50 LF fence",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across boundary line",
"repair_and_estimate_indicators": "Tree removal required before fence repair; repair includes replacing broken posts and displaced sections",
"secondary_damage": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken posts and displaced fence sections"
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "Appears aged but functional; no visible prior repairs",
"damaged_structure_type": "Fence posts and panels",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Red-stained finish",
"material_type": "Wood",
"object_dimensions": "Approximately 50 LF fence as noted in scope notes",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across boundary line",
"repair_and_estimate_indicators": "Tree removal required before fence repair; repair likely involves replacing broken posts and displaced sections",
"secondary_damage": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken posts, displaced sections, and tree resting on the fence"
},
{
"completeness_of_scope_notes": "Comprehensive; the scope notes align with the visible damage in the photo",
"construction_quality": "Appears aged but functional; no visible signs of prior repairs",
"damaged_structure_type": "Fence posts and fence panels",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Red (painted finish on the fence)",
"material_type": "Wood (based on visual inspection of the fence)",
"object_dimensions": "Approximately 50 LF of fencing (as noted in the scope notes)",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across the boundary line",
"repair_and_estimate_indicators": "Tree removal required before fence repair; repair actions likely include replacing broken posts and displaced sections",
"secondary_damage": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken posts, displaced fence sections, and fallen tree resting on the fence"
},
{
"completeness_of_scope_notes": "Comprehensive; aligns with visible damage in the photo",
"construction_quality": "Appears aged but functional; no visible signs of prior repairs",
"damaged_structure_type": "Fence posts and panels",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Red-stained wood",
"material_type": "Wood",
"object_dimensions": "Approximately 50 LF fence as noted in scope notes",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across boundary line",
"repair_and_estimate_indicators": "Tree removal required before fence repair; repair likely involves replacing broken posts and displaced sections",
"secondary_damage": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken posts, displaced fence sections, fallen tree resting on the fence"
},
{
"completeness_of_scope_notes": "Comprehensive. The scope notes align with the visible damage in the photo and provide sufficient details for assessment.",
"construction_quality": "Appears to be standard wood fence construction. No visible signs of prior repairs or poor workmanship.",
"damaged_structure_type": "Fence posts and fence sections",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Reddish-brown finish",
"material_type": "Wood",
"object_dimensions": "Approximately 50 LF of fencing, as noted in the scope notes. No measuring tools or reference markers visible in the photo for further verification.",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across the boundary line, as indicated in the scope notes. The tree and its impact on the fence are consistent with the visible damage.",
"repair_and_estimate_indicators": "Tree removal required before fence repair. Repair actions likely include replacing broken posts and displaced sections. Tree removal estimate provided by the insured.",
"secondary_damage": "Access limited until tree removal, as noted in the scope notes. No additional secondary damage visible in the photo.",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken posts and displaced sections visible in the fence, consistent with the scope notes."
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "Appears aged with signs of wear, consistent with a 39-year-old property",
"damaged_structure_type": "Fence posts and panels",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Reddish-brown",
"material_type": "Wood",
"object_dimensions": "Approximately 50 LF fence, consistent with scope notes",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across boundary line",
"repair_and_estimate_indicators": "Tree removal required, followed by fence repair or replacement (posts and panels). Tree removal estimate provided by insured.",
"secondary_damage": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken posts, displaced sections, fallen tree resting on fence"
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "Appears aged with no visible recent repairs",
"damaged_structure_type": "Fence posts and panels",
"extent_of_damage": "Moderate",
"fixtures_affected": "NA",
"material_color": "Natural wood finish (brown)",
"material_type": "Wood",
"object_dimensions": "Approximately 50 LF fence as per scope notes",
"photo_clarity": "Good",
"primary_cause_of_loss": "Fallen tree with limbs extending across boundary line",
"repair_and_estimate_indicators": "Tree removal required before fence repair; repair actions likely include replacing broken posts and displaced sections",
"secondary_damage": "Access limited until tree removal",
"structure_location_context": "Boundary line, partially on neighbor\u0027s property",
"structure_type": "Fence",
"visible_signs_of_damage": "Broken post and displaced sections visible in the image"
}
]
Stage 3: Final Assessment
{
"items_damaged": [
{
"description": "Replace broken wooden fence posts caused by fallen tree impact",
"line_item": "Fence post replacement",
"quantity": 6,
"unit": "EA"
},
{
"description": "Replace displaced wooden fence panels caused by fallen tree impact",
"line_item": "Fence panel replacement",
"quantity": "Approximately 50 LF",
"unit": "LF"
},
{
"description": "Remove fallen tree resting on the fence to allow for repair access",
"line_item": "Tree removal",
"quantity": 1,
"unit": "EA"
}
],
"policy_coverage_issues": "The policy type is HO-3, which typically covers damage caused by falling objects, including trees, unless exclusions apply. There are no indications in the scope notes or photos of exclusions such as wear and tear being the primary cause of damage. While the fence appears aged and weathered, the damage is directly attributed to the fallen tree, which is a covered peril under an HO-3 policy. However, the fence\u0027s location partially on the neighbor\u0027s property may raise questions about coverage for the portion of the fence not on the insured\u0027s property. This should be clarified with the insurer. Additionally, tree removal costs may be subject to policy limits or exclusions, depending on the specific terms of the policy.",
"primary_cause_of_loss": "The primary cause of loss is a fallen tree with limbs extending across the boundary line, as consistently indicated in both the scope notes and all photo analyses. The photos clearly show a tree resting on the fence, with broken posts and displaced sections. There are no inconsistencies between the scope notes and the photographic evidence. The weathering and aged condition of the fence do not appear to be contributing factors to the damage, as the tree impact is the direct cause. No external contributing factors such as storm debris or waterline marks are visible in the photos."
}