Claim #6

{
  "_model": "rikai2",
  "_total_photos_analyzed": 5,
  "items_damaged": [
    {
      "damage": "Displaced, bent, and detached from the structure",
      "dimensions": "40\u0027x20\u0027 (entire trellis structure)",
      "item": "Metal corrugated roof panels",
      "location": "Trellis structure",
      "repair_action": "Replace with metal-clad wood or steel pergola roof"
    },
    {
      "damage": "Splitting, deformation, and structural compromise",
      "dimensions": "40\u0027x20\u0027 (entire trellis structure)",
      "item": "Wooden posts",
      "location": "Trellis structure",
      "repair_action": "Replace with metal-clad wood or steel posts"
    },
    {
      "damage": "Collapsed and structurally compromised",
      "dimensions": "40\u0027x20\u0027 (entire trellis structure)",
      "item": "Wooden beams",
      "location": "Trellis structure",
      "repair_action": "Replace with metal-clad wood or steel beams"
    },
    {
      "damage": "Misaligned and wiring exposed",
      "dimensions": "N/A",
      "item": "Light fixture",
      "location": "Attached to wooden post",
      "repair_action": "Replace or reattach light fixture and repair wiring"
    },
    {
      "damage": "Collapsed structure and debris from roof and posts",
      "dimensions": "40\u0027x20\u0027 (entire trellis structure)",
      "item": "Debris removal",
      "location": "Trellis structure and surrounding area",
      "repair_action": "Remove and dispose of debris"
    }
  ],
  "policy_coverage_issues": {
    "issues": "No specific policy details are provided in the scope notes. However, the property is identified as a commercial structure, and the damages appear to be caused by a windstorm, which is typically covered under commercial property insurance policies. There are no indications of wear and tear or pre-existing conditions that would typically be excluded. The structure\u0027s age (12 years) and visible wear on the wooden posts do not suggest negligence or lack of maintenance. Therefore, no coverage issues are anticipated based on the provided information."
  },
  "primary_cause_of_loss": {
    "cause": "Windstorm",
    "reasoning": "The scope notes and all photos consistently indicate that the primary cause of damage was wind uplift. This is evidenced by the complete collapse of the trellis structure, displacement and deformation of the metal corrugated roof panels, and damage to wooden posts and beams. No inconsistencies were found between the scope notes and the photo analyses. The damage aligns with the reported windstorm event, with no signs of other contributing factors such as water intrusion, mold, or fire."
  }
}

{
  "_model": "RikAI2.2-Beta",
  "_total_photos_analyzed": 5,
  "items_damaged": [
    {
      "damage": "Complete structural collapse due to wind uplift. Roof panels ripped off, support posts broken or dislodged, framing members broken.",
      "dimensions": "40\u0027 x 20\u0027",
      "item": "Trellis Structure",
      "location": "Outdoor, adjacent to brick wall and parking area",
      "repair_action": "Full replacement with a new metal-clad wood or steel pergola."
    },
    {
      "damage": "Completely detached, torn, and scattered. No intact panels remain.",
      "dimensions": "40\u0027 x 20\u0027",
      "item": "Metal Corrugated Roof Panels",
      "location": "Trellis structure roof",
      "repair_action": "Full replacement as part of the new trellis structure."
    },
    {
      "damage": "Broken, dislodged, or compromised at connection points. Structure is unstable.",
      "dimensions": "40\u0027 x 20\u0027",
      "item": "Support Posts / Beams",
      "location": "Trellis structure frame",
      "repair_action": "Full replacement as part of the new trellis structure."
    },
    {
      "damage": "N/A - Required to secure the site and prevent further damage or injury.",
      "dimensions": "N/A",
      "item": "Emergency Services",
      "location": "Entire trellis structure site",
      "repair_action": "Site stabilization and debris removal."
    }
  ],
  "policy_coverage_issues": "No coverage issues identified. The damage is consistent with a covered peril (windstorm) under a standard commercial property policy. The structure\u0027s age (12 years) and visible wear (rust, weathering) are consistent with normal aging and do not indicate pre-existing wear and tear that would void coverage, as the failure was sudden and caused by a specific weather event. The scope notes and photos confirm the damage was not due to neglect or gradual deterioration.",
  "primary_cause_of_loss": "Windstorm"
}

{
  "items_damaged": [
    {
      "line_item_description": "Provide emergency services to secure/mitigate unsafe collapsed trellis/pergola area (temporary safety measures, restrict access, stabilization as feasible)",
      "reasoning_from_photos_and_notes": "Scope notes cite remaining posts unstable and emergency services cost of $5,000; collapse debris visible in multiple photos.",
      "xactimate_trade_category": "Emergency Services / Mitigation"
    },
    {
      "line_item_description": "Demolish/remove collapsed trellis/pergola components (wood framing members, posts, beams, rafters) including detachment from adjacent building as applicable",
      "reasoning_from_photos_and_notes": "Photos show displaced framing and collapse; scope notes indicate complete collapse and instability.",
      "xactimate_trade_category": "Demolition"
    },
    {
      "line_item_description": "Remove and haul off detached corrugated metal roof panels and associated debris; dispose per local requirements",
      "reasoning_from_photos_and_notes": "Corrugated metal panels are shown on the ground and piled (6_EST10.png, 6_EST3.png).",
      "xactimate_trade_category": "Debris Removal"
    },
    {
      "line_item_description": "Replace/rebuild trellis/pergola structural framing (posts, beams, rafters/purlins) for approximately 40\u0027 x 20\u0027 structure (as scoped)",
      "reasoning_from_photos_and_notes": "Scope notes recommend replacement of the trellis/pergola; photos show compromised framing and missing roof covering.",
      "xactimate_trade_category": "Carpentry / Framing"
    },
    {
      "line_item_description": "Install new corrugated metal roofing system on trellis/pergola (panels, closures/trim as needed, fasteners appropriate for wind exposure)",
      "reasoning_from_photos_and_notes": "Scope notes: metal corrugated roof ripped off; photos show panels detached and roof covering missing.",
      "xactimate_trade_category": "Roofing (Metal)"
    },
    {
      "line_item_description": "Remove and reset/replace exterior light fixture and associated conduit/wiring mounted to pergola framing as required due to rebuild",
      "reasoning_from_photos_and_notes": "Close-up photo shows a light fixture/conduit attached to pergola framing (6_EST1.png); rebuild likely requires detach/reset and verification of damage.",
      "xactimate_trade_category": "Electrical"
    },
    {
      "line_item_description": "Jobsite safety measures and access control during demolition and reconstruction (barricades/signage) due to unstable remaining posts",
      "reasoning_from_photos_and_notes": "Scope notes explicitly warn remaining posts are unstable and should not be disturbed.",
      "xactimate_trade_category": "General Conditions"
    },
    {
      "line_item_description": "Engineering/structural evaluation and reconstruction planning (if required by jurisdiction or insurer) for replacement pergola (metal-clad wood or steel as recommended)",
      "reasoning_from_photos_and_notes": "Scope notes recommend replacement with metal-clad wood or steel; collapse/instability often triggers engineering/code considerations.",
      "xactimate_trade_category": "General Contractor"
    }
  ],
  "policy_coverage_issues": "Property is described as Commercial; absent a stated policy type, this would typically be handled under a Commercial Property policy (often Special Causes of Loss form, subject to exclusions/limitations). Potential coverage issues to evaluate: (1) Wear/tear, deterioration, rot, or inadequate maintenance: several photos show weathered wood/aged materials; if the collapse was materially contributed to by decay/weak connections rather than a covered wind event, portions could be excluded or limited. (2) Faulty/defective design, workmanship, or installation of the pergola/roof attachment: if fasteners/anchorage were inadequate and that is the primary driver, the defective-work exclusion may apply, though resulting damage from a covered peril may still be covered depending on form. (3) Outdoor property limitations: pergolas/trellises can fall under \u0027outdoor property\u0027 or \u0027other structures\u0027\u2014some commercial forms sublimit or restrict coverage for outdoor structures, fences, and similar items unless specifically scheduled. (4) Ordinance or Law: if replacement requires code upgrades (wind-rated connections, engineering), coverage depends on whether Ordinance/Law is endorsed. (5) Debris removal and emergency services: the $5,000 emergency services may be covered but could be subject to sublimits/conditions (reasonable and necessary, mitigation documentation). No photo evidence suggests excluded causes like flood or fire; the main coverage questions are causation vs. deterioration/defect and whether the pergola is scheduled/covered as an outdoor structure.",
  "primary_cause_of_loss": "Primary cause of loss is consistent with a windstorm event causing wind uplift/tear-off of the corrugated metal roof panels, which then contributed to structural failure/collapse of the trellis/pergola. Photo support: multiple images show corrugated metal roof panels fully detached and lying on the ground (6_EST10.png, 6_EST3.png) and roof framing exposed with roof covering missing (6_EST9.png), plus displaced/compromised framing adjacent to the building (6_EST11.png). These conditions align with uplift/tear-off rather than flood (no waterline), fire (no charring/soot), or impact/vandalism (no localized strike point). Inconsistency/limitation: one close-up of a beam-to-post connection with a light fixture (6_EST1.png) does not visibly show damage or wind indicators, but it does not contradict the wind cause; it is simply not demonstrative of the collapse described in the scope notes."
}

{
  "_model": "gemini",
  "items_damaged": "1. General Demolition - Trellis/Pergola structure (Emergency Services/Stabilization)\n2. Debris Removal - Haul debris to dump\n3. Framing - Posts (6x6 or similar treated wood)\n4. Framing - Beams/Headers (Timber)\n5. Framing - Rafters/Purlins (Wood)\n6. Roofing - Corrugated metal panels (Galvanized)\n7. Electrical - Exterior light fixtures (Flood/Cone style)\n8. Electrical - Junction boxes and rough-in wiring\n9. Painting/Staining - Exterior timber (to match existing weathered look)",
  "policy_coverage_issues": "Based on the \u0027Commercial\u0027 property type, a Commercial Property Policy is assumed. While Windstorm is a covered peril, the following coverage issues should be reviewed: 1) Betterment/Upgrades: The scope notes recommend replacing the original wood structure with \u0027metal-clad wood or steel.\u0027 Unless the policy covers upgrades (Ordinance or Law), coverage is typically limited to \u0027Like Kind and Quality\u0027 (LKQ), meaning the estimate should reflect the cost of the original wood construction, not the upgraded steel proposal. 2) Wear and Tear: Photos (6_EST1.png) show weathered/aged wood. If pre-existing rot contributed to the post failure, the insurer may apply depreciation or exclusions for wear and tear. 3) Debris Removal: The $5,000 emergency services cost must be checked against policy sub-limits for debris removal.",
  "primary_cause_of_loss": "The primary cause of loss is confirmed as Windstorm, specifically wind uplift. The scope notes report a complete collapse due to wind uplift, and the photo analysis (specifically photos 6_EST10.png and 6_EST3.png) corroborates this by showing the corrugated metal roof ripped away from the framing and the subsequent structural collapse of the wooden supports. The displacement of the roofing materials and the debris field are consistent with high-velocity wind forces lifting the roof assembly. There are no inconsistencies between the scope notes and the visual evidence. While the wood is noted as \u0027weathered\u0027 (12 years old), the catastrophic nature of the failure aligns with the reported storm event."
}