Do insurance companies use different formulas for actual cash value versus replacement cost when evaluating storm damage claims right now?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Do insurance companies use different formulas for actual cash value versus replacement cost when evaluating storm damage claims right now?
2 real searches · 1 real-search pass
2026 homeowners insurance actual cash value replacement cost depreciation formula storm damage claims state insurance department NAIC 2026Google ↗
OBSERVEDOther / navigational
Virginia homeowners insurance actual cash value replacement cost roof depreciation storm claims State Corporation CommissionGoogle ↗
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 homeowners insurance actual cash value replacement cost depreciation formula storm damage claims state insurance department NAIC 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Virginia homeowners insurance actual cash value replacement cost roof depreciation storm claims State Corporation Commission OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |