Extract data from property insurance claims
After a fire, storm, or burst pipe damages an insured building, the owner files a first-party property insurance claim, the submission that opens the file the carrier will pay against. It is built on the ACORD property forms, most often the ACORD 140 Property Section behind an ACORD 125 application, and it carries the parts a claims examiner needs to open a reserve: the policy number and its effective and expiration dates, the named insured, the date of loss, the type of loss, and the amount claimed. Because a property claim turns on the building itself, it also records the ISO construction class, the year built, the ISO Public Protection Classification, and the insured building value, so a Joisted Masonry building from 1998 in Protection Class 4 is described the same way whether the claim covers one location or twenty. A claimed amount is not one figure but a schedule of damaged items that has to sum. On claim CLM-2026-04821 for a fire on 2026-05-22 at a $1,800,000 commercial building, the $214,500 claimed breaks into four damage items: $128,000 for fire and smoke damage to the roof and structural members, $46,500 for the HVAC system, $28,000 for interior finishes and drywall, and $12,000 for business personal property, which foot to the total. Two repair estimates support it, $206,800 from Northgate Restoration and $221,400 from Kestrel Builders, and a $10,000 deductible applies against a $500,000 each-occurrence limit. The loss date is checked to fall inside the 2026-01-01 to 2027-01-01 policy period. Talonic reads the claim and returns the policy and party structure, the loss detail, the deductible and limits, and the building characteristics as fields, and keeps the damaged items, the repair estimates, and the property locations as tables. A claim filed 2026-05-25 by Brightleaf Manufacturing Inc. with Sentinel Mutual Insurance Company (NAIC 14602), handled by producer Cardinal Risk Advisors and adjuster P. Novak, loads into a claims system so an examiner triages the file from structured data rather than a scanned form. This extraction reports what the claim states and does not decide whether the loss is covered or set the payable amount.
What gets extracted from property insurance claims
How extraction works for property insurance claims
First-party property claims land as filled ACORD 140 and ACORD 125 forms, carrier intake portals rendered to PDF, and scanned packets with photos and estimates attached, so the loss detail and the property schedule sit in different places by carrier. Talonic classifies the claim and maps it to the property-claim schema in the Field Registry, which separates the policy header from the loss detail, the building underwriting attributes, and the damage schedule. Damaged items are typed as numbers in ISO 4217 currency and reconciled so the claimed lines foot to the claim amount, the repair estimates keep each contractor, date, and scope, and the property locations table holds a construction class, a year built, a building value, and a Public Protection Class per site. Loss date is parsed and checked against the policy effective and expiration dates, and the loss type and coverage type are read as their own fields. Every value comes back with a confidence score and a pixel-region pointer meeting DIN SPEC 91491, so a claims examiner can verify a damaged-item amount or a protection class against the source packet before opening a reserve. Structured output reflects what the claim states and does not determine coverage or value the loss.
Sample extraction
A first-party commercial property claim with a damage schedule and repair estimates
{
"document_number": "CLM-2026-04821",
"document_date": "2026-05-25",
"loss_date": "2026-05-22",
"policy_number": "CPP-2026-556210",
"policy_effective_date": "2026-01-01",
"policy_expiration_date": "2027-01-01",
"insured_name": "Brightleaf Manufacturing Inc.",
"insured_address": "820 Foundry Road, Akron, OH 44305",
"claimant.contact_number": "+1-330-555-0142",
"claimant.email": "risk@brightleafmfg.com",
"insurer_name": "Sentinel Mutual Insurance Company",
"insurer_naic_number": "14602",
"loss_type": "fire",
"loss_description": "Electrical fire in the finishing bay caused fire and smoke damage to the roof structure, HVAC, and interior finishes",
"coverage_type": "Building",
"claim_amount": 214500,
"deductible": 10000,
"each_occurrence_limit": 500000,
"general_aggregate_limit": 1000000,
"producer_name": "Cardinal Risk Advisors",
"adjuster.name": "P. Novak",
"claim_status": "under_review",
"construction_type": "Joisted Masonry",
"year_built": 1998,
"building_value": 1800000,
"occupancy_type": "Light manufacturing",
"protection_class": "4",
"supporting_documents": [
"Fire department incident report",
"Damage photographs",
"Two contractor repair estimates"
],
"damage_items": [
{
"item_description": "Roof and structural members",
"damage_type": "Fire and smoke",
"claimed_amount": 128000,
"estimated_replacement_cost": 132000,
"status": "pending review"
},
{
"item_description": "HVAC system",
"damage_type": "Smoke and heat",
"claimed_amount": 46500,
"estimated_replacement_cost": 48000,
"status": "pending review"
},
{
"item_description": "Interior finishes and drywall",
"damage_type": "Fire and water",
"claimed_amount": 28000,
"estimated_replacement_cost": 29500,
"status": "pending review"
},
{
"item_description": "Business personal property",
"damage_type": "Smoke",
"claimed_amount": 12000,
"estimated_replacement_cost": 12800,
"status": "pending review"
}
],
"repair_estimates": [
{
"contractor_name": "Northgate Restoration",
"estimate_date": "2026-05-24",
"estimated_cost": 206800,
"scope_of_work": "Roof, HVAC, and interior restoration",
"estimate_status": "under review"
},
{
"contractor_name": "Kestrel Builders",
"estimate_date": "2026-05-25",
"estimated_cost": 221400,
"scope_of_work": "Full structural and finish repair",
"estimate_status": "under review"
}
],
"property_locations": [
{
"location_number": "1",
"location_address": "820 Foundry Road, Akron, OH 44305",
"construction_type": "Joisted Masonry",
"year_built": 1998,
"building_value": 1800000,
"contents_value": 260000,
"occupancy_type": "Light manufacturing",
"protection_class": "4"
}
]
}Frequently asked
Do the damaged items foot to the claimed amount?
Yes. Each damage item is typed as a number in its stated currency and summed against the claim amount, so the $128,000 roof, $46,500 HVAC, $28,000 interior, and $12,000 contents lines are checked to total the $214,500 claimed.
What building details does it capture?
The ISO construction class, the year built, the insured building value, the occupancy, and the ISO Public Protection Class are read for each property location, so a Joisted Masonry building from 1998 in Protection Class 4 is described consistently across a single-site or multi-location claim.
Does it check the loss date against the policy period?
Yes. The date of loss is parsed and checked to fall within the policy effective and expiration dates, here 2026-05-22 inside a 2026-01-01 to 2027-01-01 term, so a loss dated outside the term is surfaced to the examiner.
Does it decide whether the claim is covered?
No. Talonic structures the policy, the loss detail, the damaged items, and the repair estimates as written and links each value to its source region. Determining coverage and valuing the loss are the role of the examiner, not the extraction.
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Author note
Reviewed by Talonic engineering, insurance schema review · last reviewed 2026-07-08