My adjuster is disputing undocumented DIY home repair costs from a recent kitchen remodel during our fire claim settlement. How do I prove actual cash value without contractor invoices?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My adjuster is disputing undocumented DIY home repair costs from a recent kitchen remodel during our fire claim settlement. How do I prove actual cash value without contractor invoices?
2 real searches · 1 real-search pass
California Department of Insurance homeowners claims actual cash value depreciation proof of loss repairs DIY labor documentation fire claimGoogle ↗
OBSERVEDInstruction
California insurance regulations actual cash value replacement cost depreciation materials labor homeowners claim evidenceGoogle ↗
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
California Department of Insurance homeowners claims actual cash value depreciation proof of loss repairs DIY labor documentation fire claim Google ↗
California insurance regulations actual cash value replacement cost depreciation materials labor homeowners claim evidence Google ↗
- California Insurance Code section 2051 (2025) · california.public.law
- California Code, Insurance Code - INS § 2051 · codes.findlaw.com
- Cal. Code Regs. Tit. 10, § 2695.9 - Additional Standards Applicable to First Party Residential and Commercial Property Insurance Policies | State Regulations | US Law · law.cornell.edu
- California Code of Regulations, Article 1, Section 2695.9 - Additional Standards Applicable to First Party Residential and Commercial Property Insurance Policies | California Code of Regulations · regulations.justia.com
- Residential Property Claims Guide · insurance.ca.gov
- 2026 Guide for Adjusting Property Claims in California After a Major Disaster · insurance.ca.gov
- California Department of Insurance · insurance.ca.gov
- California Insurance Code § 2051.5 (2025) :: 2025 California Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California Department of Insurance homeowners claims actual cash value depreciation proof of loss repairs DIY labor documentation fire claim OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 | |
California insurance regulations actual cash value replacement cost depreciation materials labor homeowners claim evidence OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |