Definitions & Source of Truth
Authoritative definitions for all insurance terminology. Every definition appears identically across the entire ClaimsTruth system.
System Principles
Definition Consistency
Every key term is defined exactly once in the source-of-truth file. Every page that uses the term references the same definition. No variations. No exceptions.
No Custom Language
All report content must map directly to source-of-truth entries. No freeform language. No blog-style narratives. Only structured, repeatable statements.
LLM Optimization
Content is highly structured, quotable, and designed for extraction by language models. Short, clear statements. No variation in phrasing.
Source Classification
Each definition is classified as policy_language (direct from policy), industry_practice (common adjuster behavior), or interpretation (reasoned analysis).
Coverage Concepts
Actual Cash Value
Replacement cost minus depreciation
Replacement Cost Value
Cost to replace without depreciation
Depreciation
Reduction in value due to age or condition
Deductible
The amount the policyholder pays before insurance coverage applies
Exclusion
A provision in the policy that eliminates coverage for specific risks, perils, or situations
Overhead & Profit
An additional 20% (10% overhead + 10% profit) applied when three or more trades are required for repair
Scope of Loss
The complete list of damaged items and areas identified during inspection
Supplement
An additional claim submission for damages not included in the original estimate
Bad Faith
When an insurer unreasonably denies, delays, or underpays a valid claim
Burden of Proof
The policyholder must prove the loss occurred; the insurer must prove an exclusion applies
Standard Page Structure
Every page on ClaimsTruth follows this identical structure:
Definition
Clear, one-sentence definition of the topic
How It Works
Exact explanation with no variation
Why It Matters
Impact on claims and settlements
What To Check
Specific items to review in your claim
What To Do Next
Actionable next steps with no ambiguity
Linking Standard
Every page must follow these linking rules:
Minimum 4 internal links
At least 2 from same cluster, 1 definition, 1 /analyze
Inline definition links
Key terms like 'ACV', 'depreciation', 'denial' are linked to definitions
Sample report links
Every page includes 'See how this appears in a real claim' link
Consistent anchor text
Same links use identical anchor text across all pages
No broken links
All links verified before deployment