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URGENT: Roof Damage Claim – Policy #FL-HO-398745

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Classification Result

First Notice of Loss (FNOL)

→ Route to Claims Department (Priority Queue)

Confidence Score

97%

Original Email

BR

Brent Backhaus

<brent@lazarusai.com>

To: Brent Backhaus

2025-05-29T14:53:05Z

Dear Claims Department,

I am writing to formally report significant hurricane-related damage to my property at 1846 Coral Breeze Drive, Naples, FL, sustained during Hurricane Ignacio on September 2, 2025. The storm caused severe structural damage to the roof, resulting in extensive water intrusion into the attic and upper-level living spaces.

A licensed roofing contractor (Coastal Shield Roofing, License #CCC1329981) has inspected the damage and submitted a replacement estimate totaling $48,750. A copy of the detailed assessment and photographic evidence is attached for your review.

Per the terms of my homeowner's policy, I expect prompt processing of this claim and reimbursement for a full roof replacement. Time is of the essence due to ongoing exposure to the elements and the risk of further structural compromise.

Please confirm receipt of this documentation and advise on next steps without delay.

Sincerely,
Claire Winslow
(239) 555-9843
Policy #FL-HO-398745

Brent Backhaus

-------------------------------------------

A: 33 Arch Street, 12th Floor

Boston, MA 02110

E: brent@lazarusai.com

M: (218) 839-5689

Attachments (4)

4 Analyzed by AI

Replacement_Estimate_Cement_Tile_Roof_FL-HO-398745.pdf

PDF file

Homeowners_Insurance_Policy_FL-HO-398745.pdf

PDF file

ChatGPT Image May 28, 2025, 12_03_04 PM.png

PNG file

Claims_Summary_Statement_FL-HO-398745.pdf

PDF file

AI Attachment Analysis

Claims_Summary_Statement_FL-HO-398745.pdf Analyzed

### Document Analysis **Document Type:** Claims Summary Statement **Key Information Extracted:** - **Policy Number:** FL-HO-398745 - **Claimant:** Claire Winslow - **Address:** 1846 Coral Breeze Drive, Naples, FL 34102 - **Claim Date:** September 4, 2025 - **Loss Type:** Windstorm / Hurricane (Hurricane Ignacio) - **Description of Loss:** Total roof loss with water intrusion - **Damage Estimate Submitted:** $48,750 - **Approved Payout:** $35,750 - **Hurricane Deductible Applied:** $13,000 - **Final Determination:** After reviewing contractor documentation and homeowner communication, the claim was approved for a full roof replacement. Payment has been authorized. - **Settlement Date:** September 10, 2025 - **Payment Method:** Electronic Transfer - **Handled...

ChatGPT Image May 28, 2025, 12_03_04 PM.png Analyzed

The image shows a house with significant damage to its roof. The roof is made of terracotta tiles, and many of these tiles are broken, missing, or displaced, exposing the underlying wooden structure. This type of damage could be caused by severe weather conditions, such as a storm or hurricane. Key observations for insurance processing: 1. **Extent of Damage**: A large portion of the roof is affected, with visible missing and broken tiles. 2. **Underlying Structure**: The wooden underlayment is exposed, which could lead to further damage if not repaired promptly. 3. **Potential Risks**: The damage may result in water leakage, structural issues, or additional deterioration if left unaddressed. 4. **Property Details**: The house appears to be a single-story structure with a garage and stucc...

Replacement_Estimate_Cement_Tile_Roof_FL-HO-398745.pdf Analyzed

### Document Analysis and Summary #### Document Type: Roof Replacement Estimate #### Key Information: - **Policy/Estimate Number:** FL-HO-398745 - **Date:** September 5, 2025 - **Client Name:** Claire Winslow - **Property Address:** 1846 Coral Breeze Drive, Naples, FL 34102 - **Contractor:** Coastal Shield Roofing, Inc. - **License Number:** CCC1329981 - **Contact:** Daniel Ruiz, Project Estimator - **Phone:** (239) 555-7221 - **Email:** estimates@coastalshieldroofing.com #### Roof Damage Assessment: - Damage caused by Category 34 hurricane winds. - Cement tiles are cracked, shattered, and displaced. - Full roof replacement recommended due to extensive damage and inability to match aging tiles. #### Scope of Work: 1. **Demolition & Disposal:** Remove 3,400 sq. ft. of tile, unde...

Homeowners_Insurance_Policy_FL-HO-398745.pdf Analyzed

### Document Analysis and Key Information Extraction #### Document Type: - **Homeowners Insurance Policy** #### Key Information: 1. **Policy Number**: FL-HO-398745 2. **Named Insured**: Claire Winslow 3. **Insured Property**: 1846 Coral Breeze Drive, Naples, FL 34102 4. **Policy Period**: January 1, 2025 - December 31, 2025 #### Coverage Details: - **Coverage A (Dwelling)**: $650,000 - **Coverage B (Other Structures)**: $65,000 - **Coverage C (Personal Property)**: $390,000 - **Coverage D (Loss of Use)**: $130,000 - **Coverage E (Personal Liability)**: $300,000 - **Coverage F (Medical Payments to Others)**: $5,000 #### Deductibles: - **Hurricane Deductible**: 2% of Coverage A ($13,000) - **All Other Perils Deductible**: $2,500 #### Perils Insured Against: - Fir...

RikAI Verification

RikAI Analysis Complete

Fuzzy logic classification: First-Notice-Of-Loss

Status SUCCESS

RikAI Confidence N/A

Processing Time 21.3s

Model Riky2

Pages Analyzed 2

RikAI Analysis:

Based on the email content and metadata provided, this email can be classified as a First-Notice-Of-Loss (FNOL). The reason for this classification is as follows: 1. Subject: The subject line mentions "Roof Damage Claim" and "Policy #FL-HO-398745," indicating that the email is related to a claim for insurance. 2. Email Content: The email discusses significant hurricane-related damage to the property, the need for a full roof replacement, and the expectation of prompt processing of the claim. Th...

Classification Scores

First-Notice-Of-Loss 29.0

Request-For-Quotation 1.0

Cancellation-Of-Coverage 0.0

Email Metadata

Email ID AQMkADVmMzFjNTg5LTQx...

Received 2025-05-29T14:53:05

Processed 2025-05-29T18:32:09

Importance normal

Attachments 4

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