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Claim #55
Scope Notes
Extract & summarize
Photo Analysis
8 photos
Final Assessment
Xactimate output
Overview
Photos (8)
Stage 1
Stage 2
Stage 3
Insured Information
Name: John Doe
Property: Dwelling
Policy: NA
Property: Dwelling
Policy: NA
Primary Cause of Loss
Wind storm, tree impact
Executive Summary
A wind storm caused a large tree to fall on the insured's detached garage, resulting in severe damage to the roof, stucco, and fascia. The roof sustained two large holes, and the north wall's stucco and concrete block were also damaged. The garage has a 40' x 30' asphalt shingle roof with a 4/12 pitch.
Damaged Items (Xactimate Line Items)
Asphalt shingles
📍 N/A
Damage: Missing, torn, and displaced shingles
Dimensions: 40' x 30' roof, holes approximately 5' x 3' each
Repair: Replace damaged shingles
Roof decking
📍 N/A
Damage: Punctures and structural damage
Dimensions: Holes approximately 5' x 3' each
Repair: Repair or replace damaged decking
Roof underlayment
📍 N/A
Damage: Exposed and damaged underlayment
Dimensions: 40' x 30' roof, holes approximately 5' x 3' each
Repair: Replace underlayment
Structural wood
📍 N/A
Damage: Exposed and damaged structural components
Dimensions: Consistent with roof damage (40' x 30')
Repair: Repair or replace structural wood
Stucco
📍 N/A
Damage: Cracking, displacement, and missing materials
Dimensions: North wall height approximately 8-10 feet
Repair: Repair or replace damaged stucco
Concrete block
📍 N/A
Damage: Cracked and displaced concrete block
Dimensions: Consistent with north wall damage
Repair: Repair or replace damaged concrete block
Fascia
📍 N/A
Damage: Damaged and displaced fascia
Dimensions: Approximately 6-8 feet of fascia damage
Repair: Repair or replace fascia
Tree debris
📍 N/A
Damage: Tree trunk and debris leaning against structure
Dimensions: Tree trunk approximately 2-3 feet in diameter
Repair: Remove tree debris and assess structural integrity
Coverage Assessment
Based on the scope notes and photo analysis, the property is a residential dwelling with a detached garage, which would typically be covered under a standard homeowner's insurance policy. There are no explicit mentions of policy exclusions in the provided information. However, the age of the structure (40 years) and visible signs of wear and aging may raise concerns about pre-existing conditions or wear and tear, which are typically excluded from coverage. The damages caused by the wind storm and tree impact, however, are sudden and accidental, and should generally be covered under a standard policy. No other coverage issues are apparent.
Stage 1: Scope Notes Analysis
{
"construction_quality": "40 years old",
"damaged_structure_types": "Roof, stucco, concrete block, fascia",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"insured_name": "John Doe",
"material_colors_and_finishes": "NA",
"material_types": "Asphalt shingle, stucco, concrete block",
"object_dimensions": "Garage roof: 40\u0027 x 30\u0027, roof pitch: 4/12, holes in roof: approximately 5\u0027 x 3\u0027 each",
"policy_type": "NA",
"primary_cause_of_loss": "Wind storm, tree impact",
"property_age": "40 yrs",
"property_location": "NA",
"property_type": "Dwelling",
"repair_and_estimate_indicators": "NA",
"scope_notes_executive_summary": "A wind storm caused a large tree to fall on the insured\u0027s detached garage, resulting in severe damage to the roof, stucco, and fascia. The roof sustained two large holes, and the north wall\u0027s stucco and concrete block were also damaged. The garage has a 40\u0027 x 30\u0027 asphalt shingle roof with a 4/12 pitch.",
"secondary_damages": "NA",
"structure_location_context": "North wall, roof, detached garage",
"structure_types": "2-car detached garage, asphalt shingle roof, stucco, concrete block, fascia",
"visible_signs_of_damage": "Significant impact damage, two entry points from tree limbs, damaged stucco, damaged concrete block, affected fascia"
}
Stage 2: Photo Analysis (8 photos)
[
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "40 years old, signs of wear and aging",
"damaged_structure_type": "Roof shingles, roof decking",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "Brown",
"material_type": "Asphalt shingle",
"object_dimensions": "Holes approximately 5\u0027 x 3\u0027 each, roof dimensions 40\u0027 x 30\u0027",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Replace damaged shingles and decking, remove debris, patch holes, and potentially replace affected roof sections",
"secondary_damage": "NA",
"structure_location_context": "Detached garage, north side",
"structure_type": "Roof",
"visible_signs_of_damage": "Puncture, missing shingles, and debris from tree impact"
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "40 years old, signs of aging and wear",
"damaged_structure_type": "Roof shingles, roof decking, and structural wood",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "Brown",
"material_type": "Asphalt shingle",
"object_dimensions": "Hole approximately 5\u0027 x 3\u0027, garage roof dimensions 40\u0027 x 30\u0027",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Replace damaged roof shingles, repair roof decking and structural wood, patch and seal roof",
"secondary_damage": "NA",
"structure_location_context": "Detached garage, north wall",
"structure_type": "Roof",
"visible_signs_of_damage": "Significant impact damage, large hole, missing and displaced asphalt shingles, exposed wood, and structural damage"
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "40 years old, showing signs of aging and wear",
"damaged_structure_type": "Roof shingles, stucco, concrete block, fascia",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "NA",
"material_type": "Asphalt shingle, stucco, concrete block",
"object_dimensions": "Roof: 40\u0027 x 30\u0027, holes approximately 5\u0027 x 3\u0027 each",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Replace roof shingles, repair stucco, repair or replace fascia, repair concrete block",
"secondary_damage": "NA",
"structure_location_context": "North wall and roof of detached garage",
"structure_type": "Detached garage roof and north wall",
"visible_signs_of_damage": "Significant impact damage, large holes in the roof, broken stucco, exposed concrete block, and damaged fascia"
},
{
"completeness_of_scope_notes": "Comprehensive, aligns with visible damage in the photo.",
"construction_quality": "40 years old, showing signs of aging and wear",
"damaged_structure_type": "Roof shingles, underlayment, fascia",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "Brown",
"material_type": "Asphalt shingle",
"object_dimensions": "Hole approximately 5\u0027 x 3\u0027, consistent with scope notes",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Replace damaged shingles, underlayment, and fascia; repair roof structure; roofer and carpenter required.",
"secondary_damage": "NA",
"structure_location_context": "Detached garage roof, north side",
"structure_type": "Roof",
"visible_signs_of_damage": "Large puncture hole, torn and displaced asphalt shingles, exposed underlayment, and damaged fascia."
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "40 years old, showing signs of aging and wear",
"damaged_structure_type": "Roof shingles, underlayment, and roof decking",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "Brown",
"material_type": "Asphalt shingle",
"object_dimensions": "Holes in roof approximately 5\u0027 x 3\u0027 each, garage roof dimensions 40\u0027 x 30\u0027",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Replace damaged shingles, underlayment, and roof decking; repair or replace affected roof sections",
"secondary_damage": "NA",
"structure_location_context": "North wall, detached garage",
"structure_type": "Roof",
"visible_signs_of_damage": "Significant impact damage, large holes, missing shingles, exposed underlayment, and broken materials"
},
{
"completeness_of_scope_notes": "Comprehensive, aligns with visible damage in the photo",
"construction_quality": "40 years old, showing signs of aging and wear",
"damaged_structure_type": "Stucco, fascia",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "Beige stucco, painted fascia (color not clearly discernible)",
"material_type": "Stucco, wood fascia",
"object_dimensions": "Stucco wall height approximately 8-10 feet; fascia damage length approximately 6-8 feet (visual estimate)",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Replace damaged stucco and fascia; potential repainting required",
"secondary_damage": "NA",
"structure_location_context": "North wall of detached garage",
"structure_type": "Stucco wall and fascia",
"visible_signs_of_damage": "Cracking, displacement, and missing materials on stucco; damaged fascia"
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "40 years old, signs of aging visible",
"damaged_structure_type": "Stucco, concrete block",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "NA",
"material_type": "Stucco, concrete block",
"object_dimensions": "Tree trunk approximately 2-3 feet in diameter, damage area consistent with scope notes (40\u0027 x 30\u0027 garage dimensions)",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Repair stucco and concrete block, remove tree debris, assess structural integrity of wall",
"secondary_damage": "NA",
"structure_location_context": "North wall of detached garage",
"structure_type": "North wall and adjacent area of detached garage",
"visible_signs_of_damage": "Impact damage to stucco and concrete block, visible tree trunk leaning against the structure, displaced materials"
},
{
"completeness_of_scope_notes": "Comprehensive",
"construction_quality": "40 years old, showing signs of aging and wear",
"damaged_structure_type": "Roof shingles, underlayment, and structural components of the roof",
"extent_of_damage": "Severe",
"fixtures_affected": "NA",
"material_color": "Brown",
"material_type": "Asphalt shingle",
"object_dimensions": "Holes in roof approximately 5\u0027 x 3\u0027 each, garage roof dimensions 40\u0027 x 30\u0027",
"photo_clarity": "Good",
"primary_cause_of_loss": "Tree impact caused by wind storm",
"repair_and_estimate_indicators": "Replace damaged shingles, underlayment, and structural components; roofing contractor required",
"secondary_damage": "NA",
"structure_location_context": "Detached garage, north wall",
"structure_type": "Roof",
"visible_signs_of_damage": "Large holes, missing shingles, exposed underlayment, and debris from tree impact"
}
]
Stage 3: Final Assessment
{
"items_damaged": [
{
"damage": "Missing, torn, and displaced shingles",
"dimensions": "40\u0027 x 30\u0027 roof, holes approximately 5\u0027 x 3\u0027 each",
"item": "Asphalt shingles",
"repair_action": "Replace damaged shingles"
},
{
"damage": "Punctures and structural damage",
"dimensions": "Holes approximately 5\u0027 x 3\u0027 each",
"item": "Roof decking",
"repair_action": "Repair or replace damaged decking"
},
{
"damage": "Exposed and damaged underlayment",
"dimensions": "40\u0027 x 30\u0027 roof, holes approximately 5\u0027 x 3\u0027 each",
"item": "Roof underlayment",
"repair_action": "Replace underlayment"
},
{
"damage": "Exposed and damaged structural components",
"dimensions": "Consistent with roof damage (40\u0027 x 30\u0027)",
"item": "Structural wood",
"repair_action": "Repair or replace structural wood"
},
{
"damage": "Cracking, displacement, and missing materials",
"dimensions": "North wall height approximately 8-10 feet",
"item": "Stucco",
"repair_action": "Repair or replace damaged stucco"
},
{
"damage": "Cracked and displaced concrete block",
"dimensions": "Consistent with north wall damage",
"item": "Concrete block",
"repair_action": "Repair or replace damaged concrete block"
},
{
"damage": "Damaged and displaced fascia",
"dimensions": "Approximately 6-8 feet of fascia damage",
"item": "Fascia",
"repair_action": "Repair or replace fascia"
},
{
"damage": "Tree trunk and debris leaning against structure",
"dimensions": "Tree trunk approximately 2-3 feet in diameter",
"item": "Tree debris",
"repair_action": "Remove tree debris and assess structural integrity"
}
],
"policy_coverage_issues": "Based on the scope notes and photo analysis, the property is a residential dwelling with a detached garage, which would typically be covered under a standard homeowner\u0027s insurance policy. There are no explicit mentions of policy exclusions in the provided information. However, the age of the structure (40 years) and visible signs of wear and aging may raise concerns about pre-existing conditions or wear and tear, which are typically excluded from coverage. The damages caused by the wind storm and tree impact, however, are sudden and accidental, and should generally be covered under a standard policy. No other coverage issues are apparent.",
"primary_cause_of_loss": "The primary cause of loss is a wind storm that caused a tree to fall onto the detached garage, resulting in significant impact damage. This conclusion is consistent across the scope notes and all photo analyses, which indicate tree impact as the primary cause. The visible damage includes large holes in the roof, missing shingles, exposed underlayment, broken stucco, damaged fascia, and cracked concrete blocks. There are no inconsistencies between the scope notes and the photo analysis. Weather-related contributing factors include the wind storm that caused the tree to fall, as well as debris from the tree visible in the photos."
}