{"id":"review-mt9npa04","run":{"models":["claude-sonnet-4-6","claude-haiku-4-5"],"result":{"scope":{"readDepth":[{"documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02","pagesSwept":0,"pagesTotal":1,"pagesInFull":1},{"documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","pagesSwept":0,"pagesTotal":2,"pagesInFull":2},{"documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607","pagesSwept":0,"pagesTotal":2,"pagesInFull":2}],"assumptions":["The documents provided are the versions currently in force.","Each policy is complete: declarations, coverage forms, and endorsements.","Aggregates are unimpaired unless a loss run says otherwise.","Each schedule of underlying insurance reflects the actual underlying policy.","Limits are dedicated to this insured rather than shared across entities. This is stated in the coverage form rather than on the declarations page, and the forms are not interpreted.","The reading proceeded without: Underlying policy BX-2260714 scheduled by IWC-XL-55302. Each absence is flagged and cited; no person was asked."],"unsatisfied":["expectation:iwc-xl-55302:bx-2260714"],"expectations":[{"id":"expectation:kh-xs-40118:gl-2214607","what":"Underlying policy GL 2214607 scheduled by KH-XS-40118","basis":"cited","source":{"page":2,"quote":"Policy No. GL 2214607","documentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},"satisfiedByDocumentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},{"id":"expectation:iwc-xl-55302:gl-2214607","what":"Underlying policy GL 2214607 scheduled by IWC-XL-55302","basis":"cited","source":{"page":2,"quote":"Policy No. GL 2214607","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"satisfiedByDocumentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},{"id":"expectation:iwc-xl-55302:kh-xs-40118","what":"Underlying policy KH-XS-40118 scheduled by IWC-XL-55302","basis":"cited","source":{"page":2,"quote":"Policy No. KH-XS-40118","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"satisfiedByDocumentId":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118"},{"id":"expectation:iwc-xl-55302:bx-2260714","what":"Underlying policy BX-2260714 scheduled by IWC-XL-55302","basis":"cited","source":{"page":2,"quote":"Policy No. BX-2260714","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"satisfiedByDocumentId":null}],"documentsRead":["verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02","verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118","verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302","verrick-falls-loss-run_ashgrove-municipal_GL-2214607"]},"answers":[{"state":"pass","message":"The tower is continuous. Each layer begins paying where the one beneath it is exhausted.","missing":[],"question":"Does every layer attach where the layer beneath it exhausts?","failureIs":"defect","questionId":"global.attachment-continuity"},{"state":"pass","message":"Every policy in the document set was placed in the stack.","missing":[],"question":"Did every policy provided make it into the tower?","failureIs":"defect","questionId":"global.every-policy-placed"},{"state":"fail","message":"An excess or umbrella policy names underlying insurance that was not provided. The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","missing":[],"question":"Was every policy named in a schedule of underlying insurance provided?","failureIs":"defect","questionId":"global.underlying-provided"},{"state":"pass","message":"Every policy in the document set names the same insured.","missing":[],"question":"Do all the policies name the same insured?","failureIs":"defect","questionId":"global.same-named-insured"},{"state":"pass","message":"All layers run concurrently, so the tower is the same on every day of the term.","missing":[],"question":"Do all layers run on the same policy period?","failureIs":"defect","questionId":"global.term-concurrency"},{"state":"pass","message":"Defense costs are payable in addition to the limits, so legal spend does not reduce what is available to pay a claim.","missing":[],"question":"Are defense costs payable in addition to the limits?","failureIs":"defect","questionId":"global.defense-outside-limits"},{"state":"pass","message":"No endorsement announces itself as a reduction in coverage. Other restrictions may still be attached; this asks only what the carrier flagged.","missing":[],"question":"Did the carrier give notice that it reduced this coverage?","failureIs":"finding","questionId":"global.carrier-reduced-coverage"},{"state":"pass","message":"No provision was found capping a coverage below the policy limit.","missing":[],"question":"Is any coverage capped below the policy limit?","failureIs":"finding","questionId":"global.coverage-capped-below-limit"},{"state":"pass","message":"Every page was searched and no restricting provision was found in the attached forms.","missing":[],"question":"Do the attached endorsements restrict this coverage?","failureIs":"finding","questionId":"global.endorsements-restrict"},{"state":"pass","message":"Aggregate impairment is established from a loss run, so the tower reflects what is actually left.","missing":[],"question":"Is the remaining aggregate known?","failureIs":"defect","questionId":"global.aggregate-impairment-known"}],"program":{"layers":[{"line":null,"role":"primary","limit":2000000,"carrier":"ASHGROVE MUNICIPAL INSURANCE COMPANY","inTower":true,"premium":186420,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $2,000,000","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"carrier":{"page":1,"quote":"ASHGROVE MUNICIPAL INSURANCE COMPANY","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"premium":{"page":1,"quote":"Advance Premium for this Coverage Part $186,420","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: GL 2214607","documentId":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607"},"generalAggregate":{"page":1,"quote":"General Aggregate Limit (Other Than Products-Completed Operations) 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COMPANY","inTower":true,"premium":48900,"sources":{"limit":{"page":1,"quote":"Each Occurrence Limit $10,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"carrier":{"page":1,"quote":"IRONWOLD CASUALTY COMPANY","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"premium":{"page":1,"quote":"Annual Premium $48,900","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"policyNumber":{"page":1,"quote":"POLICY NUMBER: IWC-XL-55302","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"attachmentPoint":{"page":1,"quote":"Attachment Point (Total Underlying Limits) $17,000,000","documentId":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302"},"generalAggregate":{"page":1,"quote":"Aggregate Limit 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The tower below that point is drawn from what the schedule asserts, not from a policy anyone has read.","ruleVersion":"7364e46f4ba1"}],"reviewId":"review-mt9npa04","decisions":[],"unanswered":[],"observations":[{"id":"observation-verrick-falls-loss-run_ashgrove-municipal_GL-2214607-erosion","evidence":[{"page":2,"quote":"Policy Totals Reserves: $580,000 Paid: $278,000 Total Incurred: $858,000","documentId":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607"}],"statement":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607.pdf, valued 08/01/2026, erodes the GL 2214607 general aggregate by $858,000 of incurred losses: $3,142,000 of the printed $4,000,000 remains. Losses develop, so this figure is only as current as the report's own date.","packetComplete":true},{"id":"observation-verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607-classifier","evidence":[],"statement":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607.pdf, from the classifier: Page 1 is the declarations page with limits of insurance and premium. Page 2 is a Forms and Endorsements Schedule listing five forms attached to the policy. The document self-identifies as a synthetic document written for product demonstration purposes; every company, policy, and claim shown is fictitious per the footer. The declarations page references a renewal of GL 2214606.","packetComplete":false},{"id":"observation-verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02-unjoined","evidence":[],"statement":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02.pdf classified as endorsement (general-liability). Recorded, not extracted: only declarations carry tower fields.","packetComplete":false},{"id":"observation-verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02-classifier","evidence":[],"statement":"verrick-falls-gl-endorsement_ashgrove-municipal_AM-GL-41-02.pdf, from the classifier: Single-page total pollution exclusion endorsement, form AM GL 41 02 edition 03 24, modifying the Public Entity General liability Coverage Part. Endorsement effective 01/01/2026. Footer states this is a synthetic document written for the CoverageCheck product demonstration and not a carrier form.","packetComplete":false},{"id":"observation-verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118-classifier","evidence":[],"statement":"verrick-falls-first-excess_kestrel-harbor-indemnity_KH-XS-40118.pdf, from the classifier: Two-page document: page 1 is the First Excess Liability Declarations and page 2 is the Schedule of Underlying Insurance. Both pages carry policy number KH-XS-40118 for the same named insured. The document footer states it is a synthetic document written for the CoverageCheck product demonstration and is not a carrier form. The scheduled underlying policy is Public Entity General Liability written by Ashgrove Municipal Insurance Company, Policy No. GL 2214607.","packetComplete":false},{"id":"observation-verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302-classifier","evidence":[],"statement":"verrick-falls-third-excess_ironwold-casualty_IWC-XL-55302.pdf, from the classifier: Two-page document: page 1 is the Third Excess Liability Declarations for policy IWC-XL-55302; page 2 is a Schedule of Underlying Insurance attached to the same policy. The schedule lists three underlying policies: (1) Public Entity General Liability, Ashgrove Municipal Insurance Company, Policy No. GL 2214607; (2) First Excess Liability, Kestrel Harbor Indemnity Company, Policy No. KH-XS-40118; (3) Second Excess Liability, Bellweather Excess Insurance Company, Policy No. BX-2260714. These are underlying policies referenced in the schedule, not separate policies within this document. Document is identified as a synthetic demonstration document.","packetComplete":false},{"id":"observation-verrick-falls-loss-run_ashgrove-municipal_GL-2214607-classifier","evidence":[],"statement":"verrick-falls-loss-run_ashgrove-municipal_GL-2214607.pdf, from the classifier: Document is a two-page business loss run current as of 08/01/2026, covering policy term 01/01/2026–01/01/2027. Three GL Premises/Operations claims are listed: one closed, two open. The document footer states it is a synthetic document written for a product demonstration and that every company, policy, and claim shown is fictitious.","packetComplete":false}],"readDecisions":[],"assertedImpairments":[]},"outcomes":[{"usage":[{"model":"claude-sonnet-4-6","inputTokens":5029,"outputTokens":324,"cacheReadTokens":0,"cacheWriteTokens":1195},{"model":"claude-sonnet-4-6","inputTokens":13059,"outputTokens":1962,"cacheReadTokens":0,"cacheWriteTokens":2574},{"model":"claude-haiku-4-5","inputTokens":5483,"outputTokens":27,"cacheReadTokens":0,"cacheWriteTokens":0}],"reRead":false,"lossRun":null,"document":{"id":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607","sha256":"754009f0a3b49fd0fe391b63867a5bb5a2e6422a68e81a737d9753a3ff2ec05e","filename":"verrick-falls-gl-declarations_ashgrove-municipal_GL-2214607.pdf","correctedBy":null,"correctedType":null,"classification":{"line":"general-liability","type":"declarations","notes":"Page 1 is the declarations page with limits of insurance and premium. 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