{
  "docId": "019dd923-622c-750b-8b9a-97be8c491a06",
  "docSlug": "f6c49e173cdf",
  "documentTitle": "Mercury General Corporation (MCY)",
  "authorId": "60_Wolfpack_Research",
  "authorName": "Wolfpack Research",
  "documentKindSlug": "research-note",
  "documentKindLabel": "Research note",
  "sourceTypeSlug": "short_seller",
  "sourceTypeLabel": "Short seller",
  "presentationDate": "2025-01-29 00:00:00",
  "orientation": "portrait",
  "aspectRatio": 0.77272725,
  "pageNumber": 7,
  "pageCount": 18,
  "prevPage": 6,
  "nextPage": 8,
  "slideType": "appendix_data",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 9,
  "notes": "Includes references to external data sources and methodology for geocoding property damage.",
  "elementsJson": [
    "paragraph",
    "data_table",
    "footnote",
    "screenshot"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-622c-750b-8b9a-97be8c491a06/7",
  "deckHref": "/decks/019dd923-622c-750b-8b9a-97be8c491a06",
  "deckJsonHref": "/decks/019dd923-622c-750b-8b9a-97be8c491a06.json",
  "deckAnchorHref": "/decks/019dd923-622c-750b-8b9a-97be8c491a06#slide-7",
  "components": [
    {
      "bbox": {
        "h": 0.22,
        "w": 0.5,
        "x": 0.25,
        "y": 0.49
      },
      "kind": "image",
      "text": "Aerial video/photo of Altadena fire",
      "attrs": null,
      "subkind": "illustration",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bd9119d9-ec5a-404a-ad33-34e8e3c9b764",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Homes Destroyed: 5,823",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd953-78b5-7512-b5b8-c42e7dad750f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.18,
        "w": 0.78,
        "x": 0.11,
        "y": 0.09
      },
      "kind": "paragraph",
      "text": "Using these maps, we can see how many structures were destroyed and the type of structure destroyed. We were able to extract the geocoordinates (latitude, longitude) of every property inspected in the above maps. We wrote a program to reverse engineer the geocoordinates into a property address, allowing us to evaluate damage from the fires on a per zip code basis. LA County’s damage analysis indicates that the three most heavily impacted zip codes by the fires are Altadena (91001), Pacific Palisades (90272), and Malibu (90265). Below is LA County’s reported damage assessment for these three zip codes detailing how many single-family homes were destroyed:",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0c44acff-11cd-4490-afb0-1bfbee12ec80",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.07,
        "w": 0.78,
        "x": 0.11,
        "y": 0.41
      },
      "kind": "paragraph",
      "text": "For example, we can see that LA County reported that there were 5,823 single-family residences destroyed in Altadena (91001). From rate filings filed by MCY, we know the company insures 929 homes and 99 landlord policies. Here is an aerial video of the damages. Seen below is a satellite photo of Altadena during the Eaton fire.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "42d484e1-979b-4fc6-9cb6-d72726891b31",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.78,
        "x": 0.11,
        "y": 0.77
      },
      "kind": "paragraph",
      "text": "In Pacific Palisades (90272), MCY insures 385 homes and wrote 31 landlord policies. Per LA County, we can see that 3,610 single-family residences in 90272 were destroyed by the Palisades fire. Shown below is a before and after satellite photo of a neighborhood in the Pacific Palisades.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "e988584f-c19f-468f-918b-485c42c043dd",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.44,
        "x": 0.28,
        "y": 0.37
      },
      "kind": "source-note",
      "text": "Source: LA County Damage Data, Wolfpack Analysis",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "811718b8-faae-45b0-bca3-fdc47a55ce86",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.12,
        "x": 0.44,
        "y": 0.74
      },
      "kind": "source-note",
      "text": "Source: x.com",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "de7a158d-dc01-4d37-afbf-4df39bdf1292",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.56,
        "x": 0.22,
        "y": 0.28
      },
      "kind": "table",
      "text": "Zip Code | Homes Destroyed | Homes Inspected | % Of Homes Destroyed\n91001 | 5,823 | 9,266 | 62.84%\n90272 | 3,610 | 5,841 | 61.80%\n90265 | 1,004 | 1,659 | 60.52%",
      "attrs": null,
      "subkind": "data",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "6828c28f-40d6-4afe-b44d-7e936e62cae5",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Data Story Arc",
      "slug": "data-story-arc",
      "agent": "Storyteller",
      "layer": "slide",
      "matchId": "0b2425b7-1693-4648-95bb-2b6e8dda7f8f",
      "evidence": "The slide uses data to tell a story about the damage assessment and the estimated losses.",
      "confidence": 0.6
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 7,
      "from": 3,
      "beatId": "c43fa7ea-4455-4dc5-a72b-594243c27f8c",
      "arcName": "Problem-Agitate-Solution",
      "arcSlug": "problem-agitate-solution",
      "beatName": "Agitate (Make it worse)",
      "beatSlug": "problem-agitate-solution-agitate-make-it-worse",
      "evidence": "The document presents detailed data and analysis to highlight the severity of the problem",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Development",
      "parentBeatSlug": "development"
    }
  ],
  "loops": [
    {
      "to": 18,
      "from": 1,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "cd27e204-1caa-4b42-9d62-a73b957c0229",
      "evidence": "The document highlights the potential consequences of not addressing the losses, including financial instability and potential bankruptcy",
      "position": 1,
      "objective": "To emphasize the consequences of not addressing the losses",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.7,
      "description": "Quantify what happens if the audience does nothing"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}