{
  "carrier": "Meridian Mutual Insurance Co.",
  "insured": "Hargrove Cold Storage LLC",
  "policy_number": "CPP-4471820-03",
  "line_of_business": "commercial_property",
  "term_start": "2025-03-01",
  "term_end": "2026-03-01",
  "valuation_date": "2026-07-01",
  "claims": [
    {
      "claim_number": "CLM-25-118204",
      "date_of_loss": "2025-04-19",
      "cause_of_loss": "wind_hail",
      "status": "closed",
      "paid": 41280,
      "reserve": 0,
      "incurred": 41280
    },
    {
      "claim_number": "CLM-25-142660",
      "date_of_loss": "2025-11-02",
      "cause_of_loss": "water_damage",
      "status": "open",
      "paid": 12500,
      "reserve": 18000,
      "incurred": 30500
    },
    {
      "claim_number": "CLM-26-100317",
      "date_of_loss": "2026-02-08",
      "cause_of_loss": "theft",
      "status": "closed",
      "paid": 0,
      "reserve": 0,
      "incurred": 0
    }
  ],
  "totals": {
    "paid": 53780,
    "reserve": 18000,
    "incurred": 71780,
    "claim_count": 3,
    "open_count": 1
  }
}