{
  "about": "Wity cookbook: insurance claim triage. Each claim is one real photo (Wikimedia Commons, credits under photos) and a made-up policy and story. route is what a careful claims handler would decide; key holds the yes/no answers behind it (1 yes, 0 no). The stories are not what happened in the photos.",
  "policies": {
    "home": {
      "name": "Home",
      "text": "Home insurance. Covers fire, storms, hail, fallen trees, burst pipes, break-ins and broken windows. Does not cover floods from rivers or the sea, or wear and tear such as an old roof that slowly leaks."
    },
    "car": {
      "name": "Car, full cover",
      "text": "Car insurance, full cover. Covers crashes, hail, fallen trees, fire, theft and broken glass. Does not cover driving into flood water."
    },
    "carBasic": {
      "name": "Car, fire and theft",
      "text": "Car insurance, fire and theft only. Covers the car catching fire or being stolen. Does not cover damage to the car from a crash, hail, a fallen tree or anything else."
    },
    "gadget": {
      "name": "Gadget",
      "text": "Gadget insurance for phones and laptops. Covers cracked screens, drops and liquid spills."
    }
  },
  "claims": [
    {
      "id": 1,
      "photo": "photos/phone_cracked.jpg",
      "policy": "gadget",
      "story": "Dropped my phone on the pavement. The screen is cracked but it still turns on.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 2,
      "photo": "photos/laptop_cracked.jpg",
      "policy": "gadget",
      "story": "My laptop slid off the desk and the screen cracked. The keyboard still works.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 3,
      "photo": "photos/car_hail_dents.jpg",
      "policy": "car",
      "story": "Hail last night left small dents all over the bonnet.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 4,
      "photo": "photos/car_hail_glass.jpg",
      "policy": "car",
      "story": "The hailstorm smashed my windscreen. The rest of the car is fine.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 5,
      "photo": "photos/car_bumper.jpg",
      "policy": "car",
      "story": "Reversed into a post. The rear bumper is scraped and bent, the car drives fine.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 6,
      "photo": "photos/car_window.jpg",
      "policy": "car",
      "story": "Someone smashed the back side window of my car overnight.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 7,
      "photo": "photos/sink_leak.jpg",
      "policy": "home",
      "story": "The pipe under the kitchen sink burst and leaked over the floor. We've turned the water off.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 8,
      "photo": "photos/ceiling_leak.jpg",
      "policy": "home",
      "story": "A pipe burst in the bathroom upstairs and water came through the ceiling. There's a stain and a soft patch.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 9,
      "photo": "photos/window_house.jpg",
      "policy": "home",
      "story": "The neighbour's kids kicked a football at our window and cracked one pane.",
      "route": "pay",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 0
      }
    },
    {
      "id": 10,
      "photo": "photos/house_fire.jpg",
      "policy": "home",
      "story": "A fire started upstairs and burnt through the roof. We can't stay in the house.",
      "route": "adjuster",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 1
      }
    },
    {
      "id": 11,
      "photo": "photos/house_tree.jpg",
      "policy": "home",
      "story": "The storm blew a big tree onto our house. The roof is broken open and covered with a tarp for now.",
      "route": "adjuster",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 1
      }
    },
    {
      "id": 12,
      "photo": "photos/roof_hole.jpg",
      "policy": "home",
      "story": "The storm ripped the tiles off our roof. We can see the sky from the attic.",
      "route": "adjuster",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 1
      }
    },
    {
      "id": 13,
      "photo": "photos/car_tree.jpg",
      "policy": "car",
      "story": "A tree fell on my parked car in the storm and crushed the windscreen and roof.",
      "route": "adjuster",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 1
      }
    },
    {
      "id": 14,
      "photo": "photos/car_crash.jpg",
      "policy": "car",
      "story": "I hit a pole at a junction. The front of the car is smashed in and it had to be towed.",
      "route": "adjuster",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 1
      }
    },
    {
      "id": 15,
      "photo": "photos/car_wreck.jpg",
      "policy": "car",
      "story": "A van hit me head on. The front of the car is wrecked and it was towed away.",
      "route": "adjuster",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 1
      }
    },
    {
      "id": 16,
      "photo": "photos/car_fire.jpg",
      "policy": "carBasic",
      "story": "My car caught fire overnight. It's burnt out.",
      "route": "adjuster",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 1,
        "major": 1
      }
    },
    {
      "id": 17,
      "photo": "photos/house_flood.jpg",
      "policy": "home",
      "story": "The river burst its banks and the water is up to our front door.",
      "route": "decline",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 0
      }
    },
    {
      "id": 18,
      "photo": "photos/car_flood.jpg",
      "policy": "car",
      "story": "I drove into a flooded street and the water came up over the doors.",
      "route": "decline",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 0
      }
    },
    {
      "id": 19,
      "photo": "photos/car_tree_b.jpg",
      "policy": "carBasic",
      "story": "A tree came down on my car in the storm and crushed the roof.",
      "route": "decline",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 0
      }
    },
    {
      "id": 20,
      "photo": "photos/car_hail_dents.jpg",
      "policy": "carBasic",
      "story": "The hailstorm dented the bonnet of my car.",
      "route": "decline",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 0
      }
    },
    {
      "id": 21,
      "photo": "photos/car_bumper.jpg",
      "policy": "carBasic",
      "story": "I backed into a post and damaged the rear bumper.",
      "route": "decline",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 0
      }
    },
    {
      "id": 22,
      "photo": "photos/roof_old.jpg",
      "policy": "home",
      "story": "Our roof has leaked a little for years. The tiles are old and covered in moss.",
      "route": "decline",
      "key": {
        "intact": 0,
        "matches": 1,
        "covered": 0
      }
    },
    {
      "id": 23,
      "photo": "photos/car_ok.jpg",
      "policy": "car",
      "story": "Hail smashed my windscreen and dented every panel on the car.",
      "route": "investigate",
      "key": {
        "intact": 1
      }
    },
    {
      "id": 24,
      "photo": "photos/phone_ok.jpg",
      "policy": "gadget",
      "story": "I dropped my phone and the screen shattered completely.",
      "route": "investigate",
      "key": {
        "intact": 1
      }
    },
    {
      "id": 25,
      "photo": "photos/laptop_ok.jpg",
      "policy": "gadget",
      "story": "My laptop fell down the stairs and the screen is smashed.",
      "route": "investigate",
      "key": {
        "intact": 1
      }
    },
    {
      "id": 26,
      "photo": "photos/house_flood.jpg",
      "policy": "home",
      "story": "A fire in the kitchen burnt the back of the house.",
      "route": "investigate",
      "key": {
        "matches": 0
      }
    },
    {
      "id": 27,
      "photo": "photos/bike.jpg",
      "policy": "car",
      "story": "A tree fell on my car and crushed the bonnet.",
      "route": "investigate",
      "key": {
        "matches": 0
      }
    },
    {
      "id": 28,
      "photo": "photos/car_ok.jpg",
      "policy": "car",
      "story": "Someone crashed into my parked car and smashed the whole side in.",
      "route": "investigate",
      "key": {
        "intact": 1
      }
    },
    {
      "id": 29,
      "photo": "photos/car_fire.jpg",
      "policy": "car",
      "story": "Someone scratched the paint on my car door with a key.",
      "route": "investigate",
      "key": {
        "matches": 0
      }
    }
  ],
  "photos": {
    "phone_cracked": {
      "width": 800,
      "height": 435,
      "title": "Samsung Galaxy S2 shattered screen.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Samsung_Galaxy_S2_shattered_screen.jpg",
      "author": "Ashwin Kumar from Bangalore, India",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "phone_ok": {
      "width": 448,
      "height": 800,
      "title": "Blackview A60 Smartphone Android mobile phone front face logged in screen.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Blackview_A60_Smartphone_Android_mobile_phone_front_face_logged_in_screen.jpg",
      "author": "Acabashi",
      "license": "CC BY-SA 4.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/4.0"
    },
    "laptop_cracked": {
      "width": 800,
      "height": 600,
      "title": "2006 broken laptop computer 237398638.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:2006_broken_laptop_computer_237398638.jpg",
      "author": "Bruce Turner from AustinTX",
      "license": "CC BY 2.0",
      "license_url": "https://creativecommons.org/licenses/by/2.0"
    },
    "laptop_ok": {
      "width": 800,
      "height": 743,
      "title": "IBM Thinkpad R51.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:IBM_Thinkpad_R51.jpg",
      "author": "André Karwath aka Aka",
      "license": "CC BY-SA 4.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/4.0"
    },
    "car_hail_dents": {
      "width": 800,
      "height": 600,
      "title": "Some cars are not designed to survive a summer in Queensland due to hail.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Some_cars_are_not_designed_to_survive_a_summer_in_Queensland_due_to_hail.jpg",
      "author": "Chris Olszewski",
      "license": "CC BY-SA 4.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/4.0"
    },
    "car_hail_glass": {
      "width": 800,
      "height": 457,
      "title": "Hailstone-smashed front windshield of a car from 4 July 2010 hailstorm (Limon, eastern Colorado, USA).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Hailstone-smashed_front_windshield_of_a_car_from_4_July_2010_hailstorm_(Limon,_eastern_Colorado,_USA).jpg",
      "author": "James St. John",
      "license": "CC BY 2.0",
      "license_url": "https://creativecommons.org/licenses/by/2.0"
    },
    "car_bumper": {
      "width": 800,
      "height": 600,
      "title": "The end for the Laguna. (14160350996).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:The_end_for_the_Laguna._(14160350996).jpg",
      "author": "Riley from Christchurch, New Zealand",
      "license": "CC BY 2.0",
      "license_url": "https://creativecommons.org/licenses/by/2.0"
    },
    "car_crash": {
      "width": 800,
      "height": 600,
      "title": "Toyota car accident Japan.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Toyota_car_accident_Japan.jpg",
      "author": "Snake Head 1995",
      "license": "CC BY-SA 3.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/3.0"
    },
    "car_wreck": {
      "width": 534,
      "height": 800,
      "title": "The front of a car shows major damage.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:The_front_of_a_car_shows_major_damage.jpg",
      "author": "Shixart1985",
      "license": "CC BY 2.0",
      "license_url": "https://creativecommons.org/licenses/by/2.0"
    },
    "car_tree": {
      "width": 800,
      "height": 600,
      "title": "Barcroft 1100 Thomas St Car Damaged by Tree (7536694422).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Barcroft_1100_Thomas_St_Car_Damaged_by_Tree_(7536694422).jpg",
      "author": "Arlington County",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "car_tree_b": {
      "width": 800,
      "height": 600,
      "title": "Car crushed by tree (9723428451).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Car_crushed_by_tree_(9723428451).jpg",
      "author": "Ben Schumin from Montgomery Village, Maryland, USA",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "car_fire": {
      "width": 800,
      "height": 433,
      "title": "Burnt-out car - geograph.org.uk - 5226168.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Burnt-out_car_-_geograph.org.uk_-_5226168.jpg",
      "author": "Dave Pickersgill",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "car_flood": {
      "width": 800,
      "height": 531,
      "title": "Car in waterFlood 02 03 02.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Car_in_waterFlood_02_03_02.jpg",
      "author": "Lamiot",
      "license": "CC BY 3.0",
      "license_url": "https://creativecommons.org/licenses/by/3.0"
    },
    "car_ok": {
      "width": 800,
      "height": 600,
      "title": "Late 1991 Ford Escort mk4 1.4 L (9672436255).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Late_1991_Ford_Escort_mk4_1.4_L_(9672436255).jpg",
      "author": "Charlie from United Kingdom",
      "license": "CC BY 2.0",
      "license_url": "https://creativecommons.org/licenses/by/2.0"
    },
    "car_window": {
      "width": 800,
      "height": 533,
      "title": "Smashed window (17074306875).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Smashed_window_(17074306875).jpg",
      "author": "Tony Webster from Portland, Oregon, United States",
      "license": "CC BY 2.0",
      "license_url": "https://creativecommons.org/licenses/by/2.0"
    },
    "house_fire": {
      "width": 800,
      "height": 534,
      "title": "Aftermath of a House fire on East Park Road, Spofforth, North Yorkshire (30th August 2025) 003.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Aftermath_of_a_House_fire_on_East_Park_Road,_Spofforth,_North_Yorkshire_(30th_August_2025)_003.jpg",
      "author": "Mtaylor848",
      "license": "CC BY-SA 4.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/4.0"
    },
    "house_tree": {
      "width": 624,
      "height": 372,
      "title": "Felled tree and damaged house, Holywood - geograph.org.uk - 3839993.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Felled_tree_and_damaged_house,_Holywood_-_geograph.org.uk_-_3839993.jpg",
      "author": "Albert Bridge",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "house_flood": {
      "width": 800,
      "height": 600,
      "title": "Flooded houses, Chertsey (geograph 3812479).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Flooded_houses,_Chertsey_(geograph_3812479).jpg",
      "author": "Alan Hunt",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "sink_leak": {
      "width": 800,
      "height": 517,
      "title": "Leaking PVC Pipe Under Sink - P Trap (52842956605).jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Leaking_PVC_Pipe_Under_Sink_-_P_Trap_(52842956605).jpg",
      "author": "Tony Webster",
      "license": "CC BY 2.0",
      "license_url": "https://creativecommons.org/licenses/by/2.0"
    },
    "ceiling_leak": {
      "width": 800,
      "height": 600,
      "title": "Ceiling water damage.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Ceiling_water_damage.jpg",
      "author": "Atomicdragon136",
      "license": "CC BY 3.0",
      "license_url": "https://creativecommons.org/licenses/by/3.0"
    },
    "roof_old": {
      "width": 640,
      "height": 454,
      "title": "Moss on the roof - geograph.org.uk - 1062007.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Moss_on_the_roof_-_geograph.org.uk_-_1062007.jpg",
      "author": "Dave Croker",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "roof_hole": {
      "width": 800,
      "height": 600,
      "title": "Leaking Roof - geograph.org.uk - 2515793.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Leaking_Roof_-_geograph.org.uk_-_2515793.jpg",
      "author": "Andy Beecroft",
      "license": "CC BY-SA 2.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/2.0"
    },
    "window_house": {
      "width": 600,
      "height": 800,
      "title": "Broken window.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Broken_window.jpg",
      "author": "Votpuske",
      "license": "CC0",
      "license_url": "http://creativecommons.org/publicdomain/zero/1.0/deed.en"
    },
    "bike": {
      "width": 800,
      "height": 533,
      "title": "Bicycle parked at the Lower Agoda Fort.jpg",
      "source": "https://commons.wikimedia.org/wiki/File:Bicycle_parked_at_the_Lower_Agoda_Fort.jpg",
      "author": "iMahesh",
      "license": "CC BY-SA 4.0",
      "license_url": "https://creativecommons.org/licenses/by-sa/4.0"
    }
  }
}