Derek Whitfield

Katy, TX · State Farm · HO-3

AI eligibility

82/100

Est. claim value

$31,200

Loss date

2026-07-15

AI eligibility rationale

Second-story toilet supply line failure. Ceiling collapse in kitchen visible in walkthrough. Sudden and accidental, covered peril. Contents rider will offset kitchen electronics loss.

Policy summary (OCR)

Coverage A: $340,000
Coverage C: $170,000
Deductible: 1% ($3,400)
ALE: 20%

Damage read

Pulled from the customer's AI walkthrough. Cluster analysis found 3 affected item groups.

Kitchen ceiling
20sqft collapsed drywall, insulation soaked
94%
Upstairs bath
Vinyl plank cupping, sub-floor exposed
89%
Kitchen appliances
Microwave + toaster oven electrical damage
71%