ICRS/Large Loss Command Center
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LR
Opportunity Intelligence · Residential fire
Residential Fire — Mock Homeowner A
Residential — Single Family · UT · Primary peril: Fire
Score
76/100
Recommendation
Pursue — Priority
Deductibles, limits & conditions
Policy limit
$620,000
Blanket limit
—
Base deductible
$2,500
Wind/Hail deductible
—
Named-storm deductible
—
Flood deductible
—
Waiting period (hrs)
—
Coinsurance
—
Valuation basis
RCV
POL (days after loss)
60
Suit limitation (yrs)
3
Replacement deadline
—
Depreciation recovery deadline
—
Protective safeguards
—
Vacancy limitation
—
Coverage benefit inventory
| Benefit | Applies | Limit | Notes |
|---|---|---|---|
| Dwelling (Cov A) | Yes | $620,000 | — |
| Other Structures (Cov B) | Yes | $62,000 | — |
| Personal Property (Cov C) | Yes | $465,000 | — |
| Loss of Use / ALE (Cov D) | Yes | $186,000 | — |
| Ordinance or Law | Possible | — | — |
| Debris Removal | Yes | — | — |
Deadlines
| Deadline | Due | Status | Note |
|---|---|---|---|
| Proof of Loss (60 days) | 2026-08-13 | Approaching | — |
| Suit limitation (3 years) | 2029-06-14 | OK | — |
| Recoverable depreciation | — | Unknown | Awaiting carrier scope |