How your report is generated.

Caro is Property Claim Guide's assessment engine. It is software: not a person, not a licensed professional. Caro generates your educational damage summary (a severity score, observations, broad cost ranges, recommended actions, and risk flags) from the structured facts you provide in the assessment wizard.

Caro is a rule-based assessment engine: your answers are matched against a calibrated library of real damage scenarios, and your severity score, urgency level, and cost bands come from those calibrated rules. A text-based language model running on infrastructure we control may refine the report's wording; when it is unavailable, reports are produced by the rules alone. Caro does not currently use any vision or photo-analysis AI. If we launch photo analysis in the future, this page will describe it before it takes effect (see section 08).

Caro works from your structured form answers: damage type, property type, ZIP code, rooms affected, square footage, and condition responses.

Photos you attach at the photo step are checked for readability and counted in your browser so your report can note how well the damage is documented, and are shown back to you in the report on your device; they are never uploaded to our servers, are not stored, and are not analyzed by AI. Keep your originals; they are important evidence for your insurer and the pros you hire.

Caro's analysis does not use your name, email address, phone number, or any other contact information, and nothing you submit is sent to third-party AI providers.

The photo step reports how many readable photos you attached and lists the rooms and materials commonly affected by your damage type, so you can photograph what an adjuster or restoration pro will want to see. This is a documentation aid, not an AI judgment; your report does not include an AI confidence score.

Caro can and does make mistakes. Specifically:

• It works only from your answers; it cannot see, smell, or measure your property, and it may mis-rank severity when answers are incomplete or damage is hidden (moisture behind walls, early-stage mold, hairline cracks).
• Its cost ranges are broad educational bands drawn from scenario data, not quotes or estimates for your specific property.
• 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 pro, public adjuster, structural engineer, or industrial hygienist.

Photos are never uploaded or stored: when you attach them at the photo step they are checked and counted in your browser, shown back to you in your on-device report, and never sent to our servers, so there is nothing on our side to retain. Keep your original photos; Property Claim Guide cannot return them to you later. Your form answers and generated report are retained as described in the Privacy Policy. Nothing you submit is shared with third-party AI providers.

If the assessment engine, processing pipeline, or data-handling practices change (including any future launch of photo-analysis AI), this page will be updated at least 14 days before the change takes effect. The "Last revised" date above reflects the most recent update.