How does State Farm calculate actual cash value versus replacement cost for detached structures when assessing tree fall liability after a severe storm?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does State Farm calculate actual cash value versus replacement cost for detached structures when assessing tree fall liability after a severe storm?
3 real searches · 1 real-search pass
State Farm homeowners insurance other structures Coverage B actual cash value replacement cost detached structures policy languageGoogle ↗
OBSERVEDDefinition
State Farm Florida homeowners policy tree falls detached structure replacement cost actual cash value liability negligenceGoogle ↗
OBSERVEDReason
Florida law tree falls storm damage neighbor liability negligence natural disaster insuranceGoogle ↗
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)
Classes come from the query-classifier (a local Laya model). 2 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
State Farm homeowners insurance other structures Coverage B actual cash value replacement cost detached structures policy language Google ↗
State Farm Florida homeowners policy tree falls detached structure replacement cost actual cash value liability negligence Google ↗
Florida law tree falls storm damage neighbor liability negligence natural disaster insurance Google ↗
- Home and Property Insurance · statefarm.com
- Backyard Structures and Home Insurance · statefarm.com
- Senate Bill 724 (2025) · flsenate.gov
- 2025 S0072 JU · flsenate.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
State Farm homeowners insurance other structures Coverage B actual cash value replacement cost detached structures policy language OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 | |
State Farm Florida homeowners policy tree falls detached structure replacement cost actual cash value liability negligence OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Florida law tree falls storm damage neighbor liability negligence natural disaster insurance OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |