Large Loss Command Center
LR
Policy Citation System — PrototypeEvery policy conclusion must trace to exact quoted language. Unsourced conclusions are flagged for human verification.

Policy Citations

Prototype

State Farm HO-3 (UT)

Coverage A — Dwelling
p. 5
Applies
Unsourced — Human Verification Required
“We cover the dwelling on the residence premises shown in the Declarations, including structures attached to the dwelling.”

Coverage A covers the dwelling and attached structures.

ICRS
Fire loss to main residence and attached garage falls within Coverage A.

State Farm HO-3 (UT)

Additional Coverages — Ordinance or Law
p. 12
Disputed
Unsourced — Human Verification Required
“You may use up to 10% of the Coverage A limit for the increased costs you incur due to the enforcement of any ordinance or law.”

Ordinance or Law coverage limited to 10% of Coverage A unless endorsed higher.

ICRS
Code upgrade costs (fire-hardening, ventilation) draw against 10% cap.

State Farm HO-3 (UT)

Coverage D — Loss of Use
p. 8
Applies
Unsourced — Human Verification Required
“We will pay the necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living.”

ALE reimburses necessary increase in living expenses to maintain normal standard of living.