How does State Farm handle depreciated value payouts versus full replacement cost for vintage furniture ruined by a localized ceiling leak?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does State Farm handle depreciated value payouts versus full replacement cost for vintage furniture ruined by a localized ceiling leak?
3 real searches · 1 real-search pass
State Farm homeowners personal property replacement cost depreciation recoverable depreciation policy water damage furnitureGoogle ↗
OBSERVEDConsequence
State Farm homeowners insurance water damage ceiling leak sudden accidental discharge vintage antiques furniture actual cash valueGoogle ↗
OBSERVEDReason
Maryland homeowners insurance replacement cost personal property depreciation antiques vintage furniture claim regulationGoogle ↗
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
State Farm homeowners personal property replacement cost depreciation recoverable depreciation policy water damage furniture Google ↗
State Farm homeowners insurance water damage ceiling leak sudden accidental discharge vintage antiques furniture actual cash value Google ↗
Maryland homeowners insurance replacement cost personal property depreciation antiques vintage furniture claim regulation Google ↗
- Home ＆ Property Claims · statefarm.com
- This policy is one of the broadest · statefarm.com
- Laws · mgaleg.maryland.gov
- A CONSUMER GUIDE TO · insurance.maryland.gov
- What is Homeowners Insurance and What Does it Cover? · statefarm.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
State Farm homeowners personal property replacement cost depreciation recoverable depreciation policy water damage furniture OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
State Farm homeowners insurance water damage ceiling leak sudden accidental discharge vintage antiques furniture actual cash value OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Maryland homeowners insurance replacement cost personal property depreciation antiques vintage furniture claim regulation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |