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Property worked examples

What it is

Morales is the Auto worked example. Property has no single canonical claim; it has a set of signed conformance seeds, each built around one archetype with a removal axis that names the fact which, changed, should move the answer. This page reads eight of them. All are synthetic Texas commercial claims from the conformance set, never from the held-out scenario library, whose answer keys stay outside the repository .

Read each example in three steps: which theory the roster opens, which fact confirms or blocks it, and which gate or defense has the last word.

P1: contractor negligence, the clean refer

A water loss at the insured's building. A contractor is on the roster, identified, with work_performed_described stated true and a completion date stated. The contract waiver is not_stated and act of God is not_stated; building coverage responds .

The work description satisfies the theory's any_of; the completion date corroborates. not_stated on the waiver is a verified absence: the carrier read the contract and found no waiver, so PROP-SUBRO-DEF-001 does not fire. Contractor negligence is confirmed, the referral is refer, the channel is a demand letter, and preservation of the failed component is listed. Once SL-FIX-07P lands, the referral also carries the routine insured-target condition: confirm the contractor is not an insured or additional insured under the policy.

The removal axis: omit the work description and the theory goes indeterminate, the referral moves to investigate, and the ledger names the missing field.

P4 and the carrier sample: a waiver defeats a good theory

Same facts as P1, but waiver_of_subrogation_present is stated true . The target is a contractor, inside the contract waiver's scope under SUBRO-WAIVER-SCOPE-v1, so the defense fires, the theory is excluded with the clause cited, and the referral is no_referral. The format sample sent to the carrier, AXA-SAMPLE-PROP-001, follows the same pattern (a stated waiver, a contractor, work and completion stated) and must produce the same outcome; seed W1 is its regression twin .

Two variations an adjuster should expect. Change the waiver to not_stated and the answer returns to P1. Keep the waiver stated true but make the target a utility or a neighbour, and the waiver does not bar: the target is outside its scope, so the referral proceeds with a material condition to confirm the waiver does not extend to that party.

P2: product liability, evidence preserved

A fire originating at a commercial appliance. The manufacturer is on the roster; component_failure_described, installation_or_age_stated and the component's disposition (preserved) are stated . Product liability is confirmed, the channel is a lawsuit, and the preservation action is a 24-hour hold on the failed component.

Change the disposition to discarded and PROP-SUBRO-DEF-005 fires as a partial bar. The theory stays confirmed but viable_with_caveats; the referral carries a material lost-evidence condition and that is the stated reason for the decision. A brief that says the disposition "could not be determined" when it was supplied as discarded is a defect.

P7: the theory is sound, the carrier did not pay

Contractor facts as in P1, but building coverage is stated as not responding . The first-party payment gate fires no_first_party_payment and the referral is no_referral. The contractor theory is still confirmed and kept in the trace, because the recovery right belongs to whoever paid; the insured may pursue the contractor directly. Omit the coverage response instead and the gate is indeterminate with a verification item, while the referral follows the theory.

P8: neighbouring property, blocked drainage

An adjacent owner's blocked drainage floods the insured's property. The adjacent owner is on the roster; cause_attribution_to_party names that owner and source_property_condition_described is stated. Act of God and the waiver are not_stated .

Attribution is the theory's mandatory fact and the condition satisfies its any_of. Confirmed, refer, demand letter. Omit the condition description and the theory goes indeterminate. Omit the attribution and it goes indeterminate too: water from next door is not negligence until the cause is tied to the neighbour's condition or conduct.

P13: municipal negligence on constructive notice

A City of Dallas drainage condition. The city is on the roster, the cause is attributed to it, condition_duration_stated is true and prior_notice_described is not_stated . Duration satisfies the any_of on its own, so the theory confirms on constructive notice; seed P6 is its twin on the actual-notice route. The channel is a government claim, and the referral carries a material condition: the government notice section is withdrawn, so the notice obligation and filing deadline must be confirmed before anything else. Under the Texas Tort Claims Act that window is short, which is why the condition is material.

State both notice fields as not_stated and the theory goes indeterminate and the referral moves to investigate.

P15: act of God, and the sole-cause rule

A wind loss at a roof installed by RoofRight Contractors Inc. Work and completion are stated, and act_of_god is stated true with no cause attributed to the contractor . The natural event is the sole stated cause, PROP-SUBRO-DEF-004 fires, the theory is excluded and the referral is no_referral.

Now add cause_attribution_to_party stated true against RoofRight: the record says the roof failed because of the installation, and the wind was the occasion. Under the sole-cause rule the theory stands and the referral carries a material condition to confirm the natural event was not the sole cause. That variation is the SL-FIX-07P proof for the theory-level defense; it is not yet a signed seed.

P16: time-barred

A water loss on 2019-01-01 caused by Summit Plumbing Services LLC, with work completed 2018-10-15 . The contractor facts are sufficient, but the resolver computes the Texas property-damage limitation period as expired, PROP-SUBRO-DEF-002 fires, and the referral is no_referral with the obligation record cited. Move the loss date to 2025-01-01 and the claim refers.

What the examples teach

  • Attribution carries most Property theories. Four of the six theories need the cause tied to a party; the engine never supplies it from a condition, a weather word or a role on the roster.
  • not_stated is a finding. On a waiver or an act of God, it means the carrier looked. An omitted field means nobody looked, and the defense stays open.
  • Scope before bar. A stated waiver bars only the parties it protects.
  • A sound theory is kept even when it cannot refer. P7 and P16 still show the confirmed theory in the trace, so the analysis is not lost when the reason it cannot proceed changes.

Open items

  • P1 expects a statute of repose deadline computed from the completion date, and its removal axis treats the completion date as required. Repose is not wired on the Property path and the current record makes completion corroborating, so both expectations need a ruling, not an edit.
  • P2's spoliation removal axis in seed spec v4.1 still reads investigate; the ruled outcome is confirmed with a material condition. Confirm the card carries the ruled expectation.
  • The act-of-God-with-attribution variation of P15 should become a signed seed after SL-FIX-07P lands.