How do insurance adjusters determine the payout for smoke damage when there is no visible charring but severe particulate contamination throughout the HVAC system?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do insurance adjusters determine the payout for smoke damage when there is no visible charring but severe particulate contamination throughout the HVAC system?
3 real searches · 1 real-search pass
IICRC S700 fire and smoke damage restoration standard HVAC ductwork contamination cleaning replacement particulateGoogle ↗
OBSERVEDInstruction
insurance claim smoke damage HVAC ductwork coverage adjuster estimate replacement cleaning proof of damage actual cash value replacement costGoogle ↗
OBSERVEDConsequence
Virginia SCC Bureau Insurance homeowners property claim smoke damage proof of loss appraisal depreciation replacement costGoogle ↗
OBSERVEDReason
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). 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
IICRC S700 fire and smoke damage restoration standard HVAC ductwork contamination cleaning replacement particulate Google ↗
insurance claim smoke damage HVAC ductwork coverage adjuster estimate replacement cleaning proof of damage actual cash value replacement cost Google ↗
Virginia SCC Bureau Insurance homeowners property claim smoke damage proof of loss appraisal depreciation replacement cost Google ↗
- S700 · iicrc.org
- ANSI/IICRC S700 · store.accuristech.com
- S590 · iicrc.org
- 4.22 **Flooding/Water Damage:** All HVAC system surfaces and components subjected to water damage due to flooding shall be evaluated and categorized according to industry recognized methods to determine the ability to salvage and restore, as defined in documents such as the current ANSI/IICRC Standard S500, *Standard and Reference Guide for Professional Water Damage Restoration*. To a large extent, the category of water entering the HVAC system components will dictate methods of cleaning and env · nadca.com
- NADCA Commercial Checklist · nadca.com
- Smoke Restoration Guide · uphelp.org
- Virginia SCC · scc.virginia.gov
- 14VAC5-342-70. Loss settlement condition. · law.lis.virginia.gov
- 14VAC5-342-30. Definitions. · law.lis.virginia.gov
- Virginia Bureau of Insurance · scc.virginia.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IICRC S700 fire and smoke damage restoration standard HVAC ductwork contamination cleaning replacement particulate OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 | |
insurance claim smoke damage HVAC ductwork coverage adjuster estimate replacement cleaning proof of damage actual cash value replacement cost OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Virginia SCC Bureau Insurance homeowners property claim smoke damage proof of loss appraisal depreciation replacement cost OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |