Real ChatGPT answer · index seed2fm9Py9BFowcompleteInsurance · home insuranceinformational

How do modern carrier underwriting algorithms evaluate prior cosmetic damage claims when quoting a new policy for a home with a twenty year old slate roof?

ChatGPTgpt-63 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How do modern carrier underwriting algorithms evaluate prior cosmetic damage claims when quoting a new policy for a home with a twenty year old slate roof?
3 real searches · 1 real-search pass
homeowners insurance underwriting roof age slate roof claims history cosmetic damage claims CLUE report underwriting guidelinesGoogle ↗
OBSERVEDConsequence
slate roofing service life 20 year old roof insurance underwriting inspectionGoogle ↗
OBSERVEDReason
insurance regulator homeowners claims history underwriting roof condition cosmetic damage exclusionGoogle ↗
OBSERVEDConsequence

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short factOther / navigationalComparisonConsequence67%Reason33%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
homeowners insurance underwriting roof age slate roof claims history cosmetic damage claims CLUE report underwriting guidelines Google ↗
slate roofing service life 20 year old roof insurance underwriting inspection Google ↗
insurance regulator homeowners claims history underwriting roof condition cosmetic damage exclusion Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
homeowners insurance underwriting roof age slate roof claims history cosmetic damage claims CLUE report underwriting guidelines
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
slate roofing service life 20 year old roof insurance underwriting inspection
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
insurance regulator homeowners claims history underwriting roof condition cosmetic damage exclusion
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1