{
  "schemaVersion": 1,
  "generatedAt": "2026-09-08",
  "policyId": "POL-2026-GL-0001",
  "currency": "USD",
  "totals": {
    "paid": "17890.00",
    "reserve": "2760.00",
    "incurred": "20650.00"
  },
  "claims": [
    {
      "claim_id": "CLM-2026-0001",
      "policy_id": "POL-2026-GL-0001",
      "property_id": "PROP-2",
      "work_order_id": "WO-02",
      "loss_date": "2026-05-14",
      "reported_date": "2026-05-15",
      "peril": "Impact damage",
      "status": "closed",
      "deductible_usd": "1000.00",
      "paid_usd": "3250.00",
      "reserve_usd": "0.00",
      "incurred_usd": "3250.00",
      "note": "Settled in full, deductible applied once."
    },
    {
      "claim_id": "CLM-2026-0002",
      "policy_id": "POL-2026-GL-0001",
      "property_id": "PROP-4",
      "work_order_id": "WO-04",
      "loss_date": "2026-06-22",
      "reported_date": "2026-06-23",
      "peril": "Glass breakage",
      "status": "closed without payment",
      "deductible_usd": "1000.00",
      "paid_usd": "0.00",
      "reserve_usd": "0.00",
      "incurred_usd": "0.00",
      "note": "Assessed at 900.00, below the 1000.00 deductible, so nothing was payable."
    },
    {
      "claim_id": "CLM-2026-0003",
      "policy_id": "POL-2026-GL-0001",
      "property_id": "PROP-6",
      "work_order_id": "WO-06",
      "loss_date": "2026-08-06",
      "reported_date": "2026-08-07",
      "peril": "Escape of water",
      "status": "open, first payment made",
      "deductible_usd": "1000.00",
      "paid_usd": "14640.00",
      "reserve_usd": "2760.00",
      "incurred_usd": "17400.00",
      "note": "Recoverable depreciation held as reserve until the repair is certified."
    }
  ]
}