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Claim #6
Scope Notes
Extract & summarize
Photo Analysis
5 photos
Final Assessment
Xactimate output
Overview
Photos (5)
Stage 1
Stage 2
Stage 3
Insured Information
Name: Evergreen Event Center, LLC.
Property: Commercial
Policy: CP 1030
Property: Commercial
Policy: CP 1030
Primary Cause of Loss
Windstorm; wind uplift to roof panels caused structural failure.
Executive Summary
A windstorm caused the complete collapse of a 40'x20' outdoor trellis structure at a commercial property. The metal corrugated roof was ripped off, and the structure is deemed unstable, requiring replacement with a metal-clad wood or steel pergola. Estimated repair costs total $33K, including emergency services and construction.
Damaged Items (Xactimate Line Items)
Unknown Item
📍 N/A
Damage: N/A
Dimensions: N/A
Repair: Replace with metal-clad wood or steel pergola
Unknown Item
📍 N/A
Damage: N/A
Dimensions: N/A
Repair: Replace with new roofing as part of pergola replacement
Unknown Item
📍 N/A
Damage: N/A
Dimensions: N/A
Repair: Replace post as part of pergola replacement; reinstall or replace light fixture
Coverage Assessment
The policy type is CP 1030, which is a commercial property policy. Based on the scope notes and photos, there are no apparent coverage issues. The damage is directly caused by a windstorm, which is typically covered under such policies. However, wear and tear or pre-existing conditions are generally excluded, but no evidence of such issues (e.g., rust, prior damage, or poor construction quality) is visible in the photos or mentioned in the scope notes. The structure's age (12 years) does not indicate excessive wear or lack of maintenance.
Stage 1: Scope Notes Analysis
{
"construction_quality": "Structure is 12 years old; no additional details on construction quality provided.",
"damaged_structure_types": "Trellis structure, metal corrugated roof, and posts.",
"extent_of_damage": "Severe; complete collapse of the trellis structure.",
"fixtures_affected": "No specific fixtures mentioned.",
"insured_name": "Evergreen Event Center, LLC.",
"material_colors_and_finishes": "No specific colors or finishes mentioned.",
"material_types": "Metal corrugated roof, metal-clad wood or steel (recommended for replacement).",
"object_dimensions": "Trellis structure dimensions: 40\u0027x20\u0027.",
"policy_type": "CP 1030",
"primary_cause_of_loss": "Windstorm; wind uplift to roof panels caused structural failure.",
"property_age": "12 years",
"property_location": "1546 Redbud Rd.",
"property_type": "Commercial",
"repair_and_estimate_indicators": "Emergency services cost: $5K. Roofing and construction estimate: $28K. Recommended replacement with metal-clad wood or steel pergola.",
"scope_notes_executive_summary": "A windstorm caused the complete collapse of a 40\u0027x20\u0027 outdoor trellis structure at a commercial property. The metal corrugated roof was ripped off, and the structure is deemed unstable, requiring replacement with a metal-clad wood or steel pergola. Estimated repair costs total $33K, including emergency services and construction.",
"secondary_damages": "Structure appears unstable, and remaining posts should not be disturbed.",
"structure_location_context": "No specific location context within the property is mentioned.",
"structure_types": "Large outdoor trellis structure with a metal corrugated roof.",
"visible_signs_of_damage": "Collapsed trellis structure, metal corrugated roof ripped off frame, damaged posts."
}
Stage 2: Photo Analysis (5 photos)
[
{
"completeness_of_scope_notes": "Comprehensive; scope notes align with visible damage and provide detailed repair recommendations",
"construction_quality": "Structure is 12 years old; no visible signs of prior repairs or workmanship issues",
"damaged_structure_type": "Trellis structure, metal corrugated roof, and posts",
"extent_of_damage": "Severe; the structure is largely collapsed and unstable",
"fixtures_affected": "No specific fixtures mentioned or visible in the photo",
"material_color": "No specific colors or finishes mentioned in scope notes",
"material_type": "Metal corrugated roof and metal-clad wood or steel posts",
"object_dimensions": "Trellis structure dimensions: 40\u0027x20\u0027, consistent with scope notes",
"photo_clarity": "Fair; damage is visible, but lighting and angle could be improved for better detail",
"primary_cause_of_loss": "Windstorm; wind uplift caused structural failure, consistent with visible damage",
"repair_and_estimate_indicators": "Recommended replacement with metal-clad wood or steel pergola; estimated repair costs total $33K, including emergency services and construction",
"secondary_damage": "Structure appears unstable; potential for further collapse if disturbed",
"structure_location_context": "Outdoor area, no specific location context provided in scope notes",
"structure_type": "Trellis structure",
"visible_signs_of_damage": "Collapsed structure, missing roof panels, damaged and leaning posts"
},
{
"completeness_of_scope_notes": "Comprehensive; the scope notes provide detailed information about the damage, dimensions, materials, and repair estimates relevant to this photo.",
"construction_quality": "The structure is 12 years old, and the damage suggests that the roof was not able to withstand the windstorm. No additional indicators of poor construction quality are visible.",
"damaged_structure_type": "Metal corrugated roof panels",
"extent_of_damage": "Severe; the roof panels are completely detached and deformed, indicating total loss of functionality.",
"fixtures_affected": "No specific fixtures are visible or mentioned as affected in this photo.",
"material_color": "Gray (natural metal finish)",
"material_type": "Metal corrugated roofing",
"object_dimensions": "The scope notes indicate the trellis structure dimensions as 40\u0027x20\u0027. The photo does not provide additional measurable elements or reference markers for scale.",
"photo_clarity": "Good; the photo clearly shows the damaged roof panels and their condition.",
"primary_cause_of_loss": "Windstorm; the visible damage (detached and deformed roof panels) aligns with wind uplift as described in the scope notes.",
"repair_and_estimate_indicators": "Replacement of the metal corrugated roof is recommended. The scope notes estimate $28K for roofing and construction, with a total repair cost of $33K including emergency services.",
"secondary_damage": "NA; no visible signs of secondary damage such as rust, mold, or water intrusion in the photo.",
"structure_location_context": "Outdoor area near the trellis structure; specific location not detailed in scope notes but appears adjacent to the building.",
"structure_type": "Metal corrugated roof",
"visible_signs_of_damage": "Collapsed and detached metal corrugated roof panels, visible bending and deformation of the metal sheets."
},
{
"completeness_of_scope_notes": "Comprehensive; the scope notes provide detailed information about the damage, dimensions, materials, and repair recommendations.",
"construction_quality": "The structure is 12 years old, as noted in the scope notes. No additional indicators of construction quality are visible in the photo.",
"damaged_structure_type": "Trellis structure, wooden beams, and metal corrugated roof panels.",
"extent_of_damage": "Severe; the structure shows significant damage, including partial collapse and missing roof components.",
"fixtures_affected": "No specific fixtures are visible or mentioned as affected in the scope notes.",
"material_color": "No specific colors are discernible from the photo or mentioned in the scope notes.",
"material_type": "Wooden beams and metal corrugated roof panels.",
"object_dimensions": "The trellis structure dimensions are 40\u0027x20\u0027, as noted in the scope notes. No additional measurement tools or markers are visible in the photo.",
"photo_clarity": "Fair; the photo provides a clear view of the damaged trellis structure but lacks close-up details of specific damage points.",
"primary_cause_of_loss": "Windstorm; the damage aligns with the scope notes indicating wind uplift caused structural failure.",
"repair_and_estimate_indicators": "The scope notes recommend replacement with a metal-clad wood or steel pergola. Estimated repair costs total $33K, including emergency services and construction.",
"secondary_damage": "Structure appears unstable, as noted in the scope notes. No additional secondary damage (e.g., mold or rust) is visible in the photo.",
"structure_location_context": "No specific location context is provided in the scope notes, but the photo shows an outdoor trellis structure, likely part of the property\u0027s exterior.",
"structure_type": "Trellis structure",
"visible_signs_of_damage": "The trellis structure appears partially collapsed, with visible damage to the wooden beams and missing or displaced roof panels."
},
{
"completeness_of_scope_notes": "Comprehensive; the scope notes provide detailed information about the structure, damage, cause of loss, and repair recommendations, which align with the photo.",
"construction_quality": "The structure is 12 years old, as noted in the scope notes. No additional indicators of construction quality (e.g., prior repairs or workmanship issues) are visible in the photo.",
"damaged_structure_type": "Metal corrugated roof",
"extent_of_damage": "Severe; the roof panels are completely detached and deformed, indicating a total loss of functionality.",
"fixtures_affected": "No specific fixtures are visible or mentioned as affected in this photo.",
"material_color": "No specific color is discernible from the photo or mentioned in the scope notes.",
"material_type": "Metal corrugated roofing",
"object_dimensions": "The scope notes specify the trellis structure dimensions as 40\u0027x20\u0027. No additional measurable elements are visible in the photo.",
"photo_clarity": "Good; the photo clearly shows the damaged roof panels and their condition.",
"primary_cause_of_loss": "Windstorm; the visible damage (detached and deformed roof panels) aligns with the reported wind uplift as the cause of structural failure.",
"repair_and_estimate_indicators": "The scope notes recommend replacing the structure with a metal-clad wood or steel pergola, with an estimated repair cost of $28K for roofing and construction, plus $5K for emergency services.",
"secondary_damage": "NA; no visible signs of secondary damage such as mold, rust, or water intrusion are apparent in the photo.",
"structure_location_context": "No specific location context is provided in the scope notes, but the photo shows the roof debris on the ground near a wall, likely adjacent to the trellis structure.",
"structure_type": "Metal corrugated roof",
"visible_signs_of_damage": "The metal corrugated roof is visibly detached, bent, and displaced from its original position. The panels are deformed and lying on the ground."
},
{
"completeness_of_scope_notes": "Comprehensive; the scope notes provide detailed information about the damage, dimensions, materials, and repair recommendations.",
"construction_quality": "The structure is 12 years old, as noted in the scope notes. No additional indicators of construction quality are visible in the photo.",
"damaged_structure_type": "Wooden post and attached light fixture (part of the trellis structure).",
"extent_of_damage": "Severe; the visible damage to the post and the overall collapse of the trellis structure as described in the scope notes indicate significant structural failure.",
"fixtures_affected": "Light fixture attached to the damaged wooden post.",
"material_color": "Wood appears natural, and the light fixture is metallic gray.",
"material_type": "Wood (post) and metal (light fixture).",
"object_dimensions": "No measurable elements or reference markers are visible in the photo. The scope notes indicate the trellis structure dimensions as 40\u0027x20\u0027.",
"photo_clarity": "Fair; the photo provides a close-up view of the damage but lacks a broader perspective of the overall structure.",
"primary_cause_of_loss": "Windstorm; the damage is consistent with the reported wind uplift and structural failure described in the scope notes.",
"repair_and_estimate_indicators": "The scope notes recommend replacing the trellis structure with a metal-clad wood or steel pergola, with an estimated repair cost of $33K.",
"secondary_damage": "NA; no visible signs of secondary damage such as mold, rust, or water intrusion are evident in the photo.",
"structure_location_context": "No specific location context is visually evident in the photo, and the scope notes do not specify a location within the property.",
"structure_type": "Trellis structure",
"visible_signs_of_damage": "The photo shows a damaged wooden post with attached light fixtures. The post appears cracked and misaligned, consistent with structural failure."
}
]
Stage 3: Final Assessment
{
"items_damaged": [
{
"damage_type": "Severe structural failure; complete collapse",
"description": "Collapsed 40\u0027x20\u0027 outdoor trellis structure, including wooden beams and posts.",
"estimated_cost": "$33,000 (including emergency services and construction)",
"line_item": "Trellis structure",
"material": "Wooden beams and posts",
"repair_action": "Replace with metal-clad wood or steel pergola"
},
{
"damage_type": "Severe; panels completely detached and deformed",
"description": "Detached and deformed metal corrugated roof panels.",
"estimated_cost": "Included in $33,000 total repair cost",
"line_item": "Metal corrugated roof",
"material": "Metal corrugated roofing",
"repair_action": "Replace with new roofing as part of pergola replacement"
},
{
"damage_type": "Severe; structural failure and misalignment",
"description": "Cracked and misaligned wooden post with attached metallic light fixture.",
"estimated_cost": "Included in $33,000 total repair cost",
"line_item": "Wooden post with light fixture",
"material": "Wood (post) and metal (light fixture)",
"repair_action": "Replace post as part of pergola replacement; reinstall or replace light fixture"
}
],
"policy_coverage_issues": "The policy type is CP 1030, which is a commercial property policy. Based on the scope notes and photos, there are no apparent coverage issues. The damage is directly caused by a windstorm, which is typically covered under such policies. However, wear and tear or pre-existing conditions are generally excluded, but no evidence of such issues (e.g., rust, prior damage, or poor construction quality) is visible in the photos or mentioned in the scope notes. The structure\u0027s age (12 years) does not indicate excessive wear or lack of maintenance.",
"primary_cause_of_loss": "Windstorm; the primary cause of loss is consistent across all photos and scope notes, with visible damage such as wind uplift causing the structural failure of the trellis structure and the detachment of the metal corrugated roof panels. The photos clearly show collapsed and deformed components, aligning with the reported windstorm as the cause. No inconsistencies were found between the photos and the scope notes. External contributing factors, such as the lack of prior repairs or visible workmanship issues, suggest the windstorm was the sole cause of the damage."
}