Real output · nothing staged
One messy file in.
A carrier-ready package out.
Below is an actual ClaimNarrative run on a large-loss commercial fire. We fed it exactly what you have after an inspection — rough field notes, an Xactimate scope, and a photo log — and it produced a complete documentation package: narrative, coverage analysis, reserve justification, and a closure summary. Read the inputs, then read what came out, in full.
The part worth noticing
What it didn’t make up
items flagged as requiring adjuster input — instead of inventing numbers it doesn’t have
reconciliation error caught on its own — noticed the Xactimate’s two totals didn’t match and refused to silently pick one
fabricated figures, citations, or coverage conclusions — every gap is surfaced, not guessed
It drafts, you decide. It removes the blank-page work and tells you exactly what still needs you — it never pretends to replace your judgment.
What went in
Three files, exactly as an adjuster would have them after the inspection. Shorthand, abbreviations, open questions — nothing cleaned up.
FIELD NOTES — RAW / UNEDITED Adjuster: [field adjuster] Assignment rec'd: 4/15/26 Insp date: 4/16/26 ~9:30a, on site approx 2.5 hrs Present: insured ops mgr (Dave R.), restoration vendor tech (board-up crew) INSURED / RISK Riverside Millworks Inc — dba Riverside Cabinetry 4120 Industrial Pkwy, Bldg C, Chattanooga TN 37406 Commercial cabinet / millwork mfg. ~28,000 sf, 1 story, masonry + steel frame, metal deck roof Occupancy: manufacturing. Operating ~15 yrs at this location per Dave. Clm# TN-2026-0418-FIRE Pol# CPP-7741920 (CONFIRM both w/ carrier — got from insured, not verified) LOSS DOL 4/14/26 (Tues), evening. Fire dept called ~6:45p per insured. Cause per insured + CFD report = fire started in dust collection ductwork off the finishing dept. Combustible dust ignition per CFD incident rpt — only saw pg 1, need to pull full report. Fire spread finishing -> adjacent assembly bay before knocked down. Sprinklers? — partial only. Finishing area NOT sprinklered (older part). Confirm if code issue. DAMAGE — walked it w/ Dave - Finishing dept = gone. Roof deck + bar joists burned through ~3,400 sf (rough, paced not measured). - Steel joists sagging/deformed — NEED engineer, not signing off on structural steel. - North interior masonry wall — spalling from heat, prob needs eval too. - Assembly bay — heavy smoke + soot, no fire consumption but everything coated. Clean vs replace TBD. - Office mezzanine + break area — smoke/soot, lighter. Cleanable prob. - HVAC — soot migrated through ducts, whole system contaminated. Full clean/eval, poss replace finishing units. CONTENTS / BPP - Finishing line: spray booth, curing oven, dust collector unit = total loss - Raw lumber + panel stock staged in finishing/assembly = burned or smoke/water - Finished goods (cabinets staged for delivery) — some total, some smoke. Dave says big number, no inventory yet. - Office contents + assembly tooling = smoke clean *** NO itemized BPP inventory yet — Dave to provide w/ receipts/values. Big chunk, flagging it. BUSINESS INTERRUPTION - Shut down completely as of DOL. Not running. - Dave thinks limited ops possible from undamaged warehouse bay during rebuild — extra expense. - NO financials yet. Need P&L / tax returns / BI worksheet. Period of restoration = guess 6-8 mo, DON'T hold me to that. MITIGATION - Vendor did emergency board up + power isolation + initial soot stabilization within 24 hrs (~4/15). Inv to follow. - Looked appropriate, no concerns on emergency scope. COVERAGE NOTES (my flags, not final) - Special form, fire = covered, no question on the fire itself. - Ord or Law — non-sprinklered finishing + steel rebuild could trigger code upgrades. IS there a CP 04 05 endorsement?? - Mechanical breakdown / dust collector failing — resulting fire still covered but the unit itself maybe not. Wait for C&O. - Coinsurance — big loss, check ITV vs bldg limit. Get latest SOV. - No incendiary indicators, insured cooperative, story consistent w/ fire patterns. Nothing hinky. SUBRO - Maybe. If C&O points at dust collector mfr or a maintenance vendor (dust buildup), recovery angle. Preserve unit + ductwork. TO DO - Pull full CFD report · Engineer for steel + masonry · BPP inventory from Dave · Financials / BI worksheet - Confirm coinsurance / SOV · Confirm Ord or Law endorsement · C&O engineer · Xactimate bldg scope (started)
XACTIMATE ESTIMATE SUMMARY — BUILDING SCOPE
Insured: Riverside Millworks, Inc.
Property: 4120 Industrial Parkway, Bldg C, Chattanooga, TN 37406
Claim #: TN-2026-0418-FIRE (sample)
Est type: Building / structure only (BPP and time-element NOT included)
Valuation: RCV (replacement cost) Prepared: 4/17/26
NOTE: Building reconstruction scope only. BPP and Business Income / Extra
Expense are estimated separately and NOT reflected below. Structural steel
quantities are PRELIMINARY pending engineer evaluation.
------------------------------------------------------------------------
Code Category RCV
------------------------------------------------------------------------
GEN General demolition / debris removal $ 48,900.00
FRM Framing — structural steel, joists, deck $ 171,300.00 *prelim
RFG Roofing — metal deck, membrane, insul. $ 96,450.00
MAS Masonry — north wall repair / spalling $ 22,800.00
DRY Drywall & texture $ 31,600.00
PNT Paint & finishes $ 27,250.00
FCC Floor covering — sealed concrete / coat. $ 14,900.00
HVC HVAC — decontam + finishing-side replace $ 58,700.00
ELE Electrical — finishing area rewire $ 39,400.00
PLB Plumbing — limited, finishing area $ 8,150.00
CLN Cleaning — smoke/soot, assembly + office $ 42,200.00
------------------------------------------------------------------------
Subtotal $ 561,650.00
General Contractor Overhead (10%) $ 56,165.00
General Contractor Profit (10%) $ 56,165.00
Subtotal w/ O&P $ 673,980.00
TOTAL BUILDING RCV (incl. O&P + applic. tax) $ 642,180.00
------------------------------------------------------------------------
(Net building RCV reflects tax applied at material level within line items
rather than a flat add to the O&P subtotal.)
ITEMS FLAGGED IN ESTIMATE:
- FRM structural steel quantities preliminary — engineer determines how much
deformed joist/beam is replaced vs. retained. Line could move materially.
- HVAC: assumes full decontam + finishing-side air handler replacement. If
IH/engineer testing clears the balance of system, HVC drops.
- Does NOT include Ordinance or Law / code-upgrade costs (e.g. suppression to
the previously non-sprinklered finishing area). Separate add if applicable.
- Does NOT include BPP or Business Income / Extra Expense.PHOTO LOG — Riverside Millworks. Fire, Chattanooga TN, insp 4/16/26: 1 Front/east elev — smoke staining, board-up, blown windows 2 Roof drone — burned-through deck over finishing ~3,400sf; assembly bay intact, soot 3 Finishing — total fire consumption, deck/joists gone 4 Finishing — joists sagging/deformed (FLAG: engineer eval) 5 North masonry — heat spalling (FLAG: eval) 6 Spray booth + curing oven — total loss 7 Dust collector — suspected origin, duct burned (PRESERVE: C&O/subro) 8 Ductwork — traces to collector, origin 9 Assembly bay — no fire, heavy soot 10 Raw lumber/panels — smoke+fire/water (BPP inventory pending) 11 Finished goods — cabinets, soot, some total (BPP pending) 12 Tooling/office/break — soot cleanable 13 HVAC finishing unit — soot, replace; duct soot migration 14 Sprinkler finishing — NONE, older area (FLAG: Ord or Law) 15 Sprinkler assembly — present, partial coverage 16 Mitigation — board-up + power isolation done ~4/15 17 CFD report — 1pg seen, full report pending
What came out
The complete package, in full. Amber marks are the tool’s own adjuster-input flags — the gaps it surfaced rather than guessed.
| Insured | Riverside Millworks, Inc. (dba Riverside Cabinetry) |
| Loss Location | 4120 Industrial Parkway, Bldg C, Chattanooga, TN 37406 |
| Date of Loss | April 14, 2026 |
| Date of Inspection | April 16, 2026 |
| Claim Number | TN-2026-0418-FIRE [REQUIRES ADJUSTER INPUT: confirm with carrier — obtained from insured, not verified] |
| Policy Number | CPP-7741920 [REQUIRES ADJUSTER INPUT: confirm with carrier — obtained from insured, not verified] |
| Cause of Loss | Fire originating in dust-collection ductwork serving the finishing department |
Narrative
On April 14, 2026, at approximately 6:45 p.m., a fire occurred at the insured’s commercial millwork and cabinet manufacturing facility in Chattanooga, Tennessee. The Chattanooga Fire Department responded and, per the partial incident report reviewed on-site (Photo 17), the cause of loss has been preliminarily identified as combustible dust ignition originating within the dust collection ductwork servicing the finishing department. [REQUIRES ADJUSTER INPUT: full CFD incident report pending — only page 1 reviewed at inspection.]
The risk is a single-story, masonry and steel-frame industrial structure of approximately 28,000 square feet, in operation at this location for approximately 15 years. Sprinkler coverage was confirmed as partial only; the finishing department (older portion of the structure) was not sprinklered (Photo 14), while the assembly bay carries partial sprinkler coverage (Photo 15).
Fire consumption was concentrated in the finishing department, with approximately 3,400 square feet of roof deck and bar joist system burned through (Photos 2, 3). Steel bar joists exhibit visible sagging and deformation (Photo 4), and the north interior masonry wall shows heat-induced spalling (Photo 5). Structural engineering evaluation has been recommended for both the steel framing and the masonry wall; no structural determination has been made by the adjuster. Fire spread into the adjacent assembly bay was arrested prior to consumption, but the assembly bay sustained heavy smoke and soot contamination throughout (Photo 9). The office mezzanine and break area exhibit lighter soot deposition appearing cleanable (Photo 12). Soot migration through the HVAC system was observed; the finishing-side air handler is recommended for replacement, with full system decontamination and industrial hygienist evaluation pending (Photo 13).
Business personal property losses include the spray booth, curing oven, and the dust collector unit itself, all of which appear to be total losses (Photos 6, 7). The dust collector and associated ductwork (Photos 7, 8) have been preserved for cause-and-origin and potential subrogation evaluation. Raw lumber and panel stock staged in the affected areas sustained fire, smoke, and water damage (Photo 10). Finished goods (cabinets staged for delivery) sustained a mix of total loss and smoke contamination (Photo 11). [REQUIRES ADJUSTER INPUT: itemized BPP inventory with supporting values/receipts to be provided by insured.]
Operations are fully suspended as of the date of loss. The insured’s operations manager indicated potential limited operations from the undamaged warehouse bay during reconstruction, which would involve extra expense for temporary setup. [REQUIRES ADJUSTER INPUT: P&L statements, tax returns, and BI worksheet required for time-element analysis. Preliminary period of restoration estimate of 6–8 months is unconfirmed and subject to engineering and contractor timelines.]
Emergency mitigation (board-up, power isolation, initial soot stabilization) was completed by a restoration vendor within approximately 24 hours of loss (Photo 16); scope appeared appropriate. [REQUIRES ADJUSTER INPUT: mitigation invoice pending.]
Coverage Analysis
Applicable Coverages
- CP 00 10 — Building and Personal Property Coverage Form
- Section A.1.a — Building (structural fire damage, roof deck, steel framing, masonry, MEP)
- Section A.1.b — Business Personal Property (manufacturing equipment, raw stock, finished goods, tooling, office contents)
- Section A.4.a — Debris Removal (substantial debris generation given consumption scope)
- CP 00 30 — Business Income and Extra Expense Coverage Form
- Section A.1 — Business Income (full operational suspension)
- Section A.5 — Extra Expense (potential temporary operations from warehouse bay)
- CP 10 30 — Causes of Loss, Special Form (fire is a covered cause of loss; not excluded)
Potential Exclusions to Consider
- CP 10 30 B.2 (Mechanical Breakdown): the dust collector unit itself may be subject to mechanical-breakdown analysis if cause-and-origin attributes failure to internal mechanical causes. The ensuing fire damage remains covered; the unit’s pre-fire condition is the consideration.
- CP 00 10 B.1.a (Ordinance or Law): the non-sprinklered finishing area and the requirement to replace structural steel may trigger code-upgrade requirements (fire suppression, egress, current building code). [REQUIRES ADJUSTER INPUT: confirm whether an Ordinance or Law endorsement (e.g., CP 04 05) is on the policy. Significant exposure if not endorsed.]
- Coinsurance: given the magnitude of loss, ITV review against the Building limit is warranted. [REQUIRES ADJUSTER INPUT: obtain current SOV and Building limit to perform coinsurance analysis.]
Coverage Considerations
Fire is a covered cause of loss under CP 10 30 and there are no apparent threshold coverage issues for the direct fire, smoke, and resulting water damage. The C&O investigation will determine whether the dust collector equipment itself is fully covered or whether the failure-of-the-equipment analysis affects only the unit (resulting fire damage remains covered regardless).
The Ordinance or Law exposure is material. The finishing department is in the older portion of the structure and is not sprinklered. Reconstruction may trigger current-code suppression requirements as well as updated egress and structural code compliance. Without endorsement coverage, these costs are excluded.
No incendiary indicators were observed; insured cooperation has been satisfactory and the loss narrative is consistent with observed fire patterns. Subrogation potential is rated low-to-moderate pending C&O. If the dust collector equipment manufacturer or a maintenance vendor responsible for dust buildup management is implicated, a recovery angle exists. The dust collector and associated ductwork have been preserved (Photos 7, 8).
Reserve Justification
Recommended Reserves
| Building (Coverage A) — Xactimate Subtotal with O&P, building scope only | $673,980.00 |
| Business Personal Property | pending |
| Business Income / Extra Expense | pending |
| Ordinance or Law (potential) | pending |
| Loss Adjustment Expense | pending |
| Total Recommended Reserve | Cannot be totaled — 4 of 5 pending |
[REQUIRES ADJUSTER INPUT on each “pending” line: figure not present in Xactimate — do not estimate. BPP inventory pending from insured (total-loss spray booth, curing oven, dust collector, plus raw stock, finished goods, tooling); BI/EE financials and worksheet pending; Ordinance or Law explicitly excluded per estimate; LAE pending vendor quotes.]
Reasoning
The Building reserve is set to the Xactimate Subtotal with O&P of $673,980.00 (line-item subtotal $561,650.00 plus 10% GC overhead at $56,165.00 plus 10% GC profit at $56,165.00). Sales tax is per the estimate applied at material level within line items. The estimate is structure-only and explicitly excludes BPP, BI/EE, and code-upgrade costs.
Two significant contingencies sit within the Building reserve:
- Structural Steel (FRM, $171,300.00): flagged as preliminary in the Xactimate, pending structural engineer determination. This line could move materially in either direction.
- HVAC (HVC, $58,700.00): conditional on IH/engineer determination of full-system decontamination scope versus partial replacement.
BPP exposure is material based on field observation but cannot be quantified without insured-provided inventory. BI/EE exposure is similarly material given complete operational suspension; a preliminary 6–8 month period of restoration was discussed on-site but is not yet supported and should not anchor the reserve. Ordinance or Law is a discrete reserve consideration if the endorsement applies. LAE estimate pending confirmation of vendor costs (IA fee, testing, engineering review); adjust as quotes are received.
Reconciliation Check
| Xactimate Total RCV | $642,180.00 |
| Xactimate Subtotal with O&P | $673,980.00 |
| Xactimate Total ACV | not in estimate |
The Xactimate states a Total RCV of $642,180.00but separately states a Subtotal with O&P of $673,980.00. These two figures are inconsistent and should reconcile. The tool recommends the adjuster confirm with the estimator which figure represents the final RCV prior to reserve finalization, and used the Subtotal-with-O&P figure pending clarification — rather than silently choosing one. Depreciation, ACV, deductible, and Net Claim cannot be stated: ACV is not present in the estimate and the deductible has not been confirmed against the policy.
Closure Summary
Open Items — Adjuster Action Required Before Submission
- [FLAG: Xactimate Total RCV ($642,180.00) does not reconcile with Subtotal with O&P ($673,980.00). Confirm correct final figure with estimator.]
- Confirm claim number with carrier — obtained from insured.
- Confirm policy number with carrier — obtained from insured.
- Pull full Chattanooga Fire Department incident report — only page 1 reviewed on-site.
- Structural engineer evaluation for steel framing/joists and north masonry wall.
- Cause-and-origin engineer evaluation given fire size and equipment origin.
- Itemized BPP inventory with supporting values/receipts from insured.
- Financials (P&L, tax returns) and BI worksheet to develop time-element exposure.
- Confirm Ordinance or Law endorsement (e.g., CP 04 05) — material exposure if not endorsed.
- Obtain current SOV and Building limit for coinsurance/ITV analysis.
- Industrial hygienist / engineer determination on HVAC decontamination scope vs. replacement.
- Mitigation vendor invoice pending.
- Confirm deductible amount and depreciation methodology against policy.
- BPP, BI/EE, Ordinance or Law, and LAE reserves cannot be set from available documentation.
| File Status | Open — initial inspection completed 4/16/26. Building reserve established at Xactimate Subtotal with O&P pending reconciliation and engineer-driven adjustments. |
| Subrogation | Low-to-moderate potential pending C&O. Dust collector and ductwork preserved. |
| Coverage Position | Fire is a covered cause of loss under CP 10 30. No position taken on Ordinance or Law, mechanical breakdown, or coinsurance pending endorsement, C&O, and SOV review. Final coverage determinations are the carrier’s. |
Now picture it in your voice, for your carriers
This sample is in a general commercial-property format. The real system is trained on 5–10 of your own past files per carrier — so the output reads like you wrote it, in the exact format State Farm, Travelers, Liberty Mutual, Chubb, Hartford, Zurich, or AIG expects. You upload notes, scope, and photos; you get this back; you review and submit.
Built by a former commercial property underwriter. 30-day money-back guarantee.