Cortex PARSE_DOCUMENT¶

{
  "content": "SOME INSURANCE COMPANY\nWEATHER PROTECTION INSURANCE POLICY\nPolicy Number: WP-2025-789456\nEffective Date: April 1, 2025\nExpiration Date: April 1, 2026\nNAMED INSURED AND PROPERTY:\nJohn and Mary Homeowner\n123 Shelter Lane\nWeatherton, ST 12345\n

SECTION I - DEFINITIONS\nThroughout this policy, \"you\" and \"your\" refer to the Named Insured shown in the Declarations and the spouse if a\nresident of the same household. \"We,\" \"us,\" and \"our\" refer to Evergreen Insurance Company providing this\ninsurance. In addition, certain words and phrases are defined as follows:\n1. Weather Event means a natural atmospheric occurrence including but not limited to: a. Wind (including\nhurricanes, tornadoes, and straight-line winds) b. Hail c. Lightning d. Snow, ice, and freezing rain e.\nExcessive rainfall resulting in flooding f. Extreme temperatures causing damage\n2. Named Storm means any storm or weather disturbance that has been declared and named as a tropical\nstorm or hurricane by the National Weather Service or National Hurricane Center.\n3. Actual Cash Value (ACV) means the cost to repair or replace damaged property with new material of like\nkind and quality, less depreciation due to age, wear and condition.\n4. Replacement Cost means the cost to repair or replace damaged property with new material of like kind\nand quality, without deduction for depreciation.\n5. Dwelling means the building structure at the insured location including attached structures and fixtures.\n6. Other Structures means structures on the residence premises separated from the dwelling by clear\nspace or connected only by a fence, utility line, or similar connection.\n7. Personal Property means movable items owned by you and located at the insured property.\n

SECTION II - COVERAGE\nA. PROPERTY COVERAGE\nWe will pay for direct physical loss to property described in the Declarations caused by a Weather Event unless\nthe loss is excluded in Section III - Exclusions.\n1. Dwelling Protection We will cover: a. Your dwelling, including attached structures b. Materials and\nsupplies located on or adjacent to the residence premises for use in construction, alteration, or repair of\nthe dwelling or other structures c. Foundation, floor slab, and footings supporting the dwelling d.\nWall-to-wall carpeting attached to the dwelling\n2. Other Structures Protection We will cover structures on your property separated from your dwelling by\nclear space, including: a. Detached garages b. Storage sheds c. Fences d. Driveways and walkways e.\nPatios and retaining walls\n3. Personal Property Protection We will cover personal property owned or used by you while it is on the\nresidence premises. Coverage includes but is not limited to: a. Furniture b. Clothing c. Electronic\nequipment d. Appliances e. Sporting goods\n4. Loss of Use Protection If a Weather Event makes your residence uninhabitable, we will cover: a.\nAdditional living expenses incurred to maintain your normal standard of living b. Fair rental value if part of\nyour residence is rented to others c. Necessary expenses required to make the residence habitable or\nmove to temporary housing\nB. ADDITIONAL COVERAGES",
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