How Caro AI works.

Last revised May 7, 2026

Caro is Property Claim Guide's AI assistant. It is software — not a person, not a licensed professional. Caro uses a vision-language model (VLM) to analyze photos of property damage alongside the structured facts you provide in the assessment wizard. It returns an educational damage summary with a severity score, observations, broad cost ranges, recommended actions, and risk flags.

Caro is powered by state-of-the-art vision-language AI models optimized for property damage assessment. We use multiple model tiers ??? a primary high-accuracy model for detailed analysis and a faster screening model for initial triage. Models are selected and updated based on accuracy benchmarks specific to property damage detection.

Caro receives:

• The photos you upload (up to 15).
• Your structured form answers: damage type, property type, ZIP code, rooms affected, square footage, condition responses.

Caro does not receive your name, email address, phone number, or any other contact information. Contact details are stored separately and are never sent to the AI analysis system.

Every Caro analysis includes a confidence score from 0.0 to 1.0:

• 0.85 and above — High confidence. Caro matched the damage to a known pattern with clear visual signals.
• 0.50 to 0.84 — Moderate confidence. The analysis is directionally useful but should be verified by a professional.
• Below 0.50 — Low confidence. Caro had difficulty interpreting these photos. The analysis section is suppressed from your report, and a human review may be initiated.

Caro can and does make mistakes. Specifically:

• It may misinterpret shadows, reflections, or unusual angles as damage.
• It may miss subtle damage a trained human inspector would catch (hairline cracks, early-stage mold, moisture behind walls).
• It cannot smell odors, feel moisture, or assess structural integrity — it only sees pixels.
• Its cost ranges are broad educational bands, not quotes or estimates.
• It does not know your insurance policy terms and cannot determine coverage.
• It is not trained on your specific local building codes or permit requirements.

Always consult a licensed professional when:

• There is standing water, active leaking, or flood conditions.
• You see visible mold covering more than 10 square feet.
• There is structural damage (sagging ceilings, cracked foundations, leaning walls).
• You smell gas or suspect electrical damage.
• The home is uninhabitable or unsafe to enter.
• You are preparing to file an insurance claim and need a professional assessment.

Caro is an educational first step — not a replacement for a licensed contractor, public adjuster, structural engineer, or industrial hygienist.

Photos uploaded for Caro analysis are stored in encrypted cloud storage for 90 days, then automatically deleted. During processing, photos are transmitted to the analysis system over encrypted connections. The AI provider does not retain your photos after analysis completes. Contact information (name, email, phone) is never shared with the AI provider.

If the underlying AI model, processing pipeline, or data-sharing practices change, this page will be updated at least 14 days before the change takes effect. The "Last revised" date above reflects the most recent update.