A pipe burst in my kitchen. Am I covered?
- Added 10 sample documentsindexed on the iPhone · 5 min 6 s
- Searched by meaning and keyword127 candidates merged
- Wrote it with Apple's on-device model9.7 s from send to answer
Yes, sudden and accidental discharge of water from a plumbing system, such as a burst pipe, is covered under Coverages A and C subject to the all-perils deductible S1, S13. Damage from a leak that continued over weeks or months is not covered S1, S14.
In the document
Sudden and accidental discharge of water from a plumbing system, such as a burst pipe, is covered under Coverages A and C subject to the all-perils deductible. Damage from a leak that continued over weeks or months is not covered.
How it found this
- Library
- Home: 10 made-up sample documents, read, split into 117 passages and indexed on the iPhone, kept Local Only. The import took 5 min 6 s in the Simulator on Oct 1.
- Embeddings
- all-MiniLM-L6-v2, 384 dimensions with mean pooling, run on the device through Core AI.
- Search
- Hybrid: vector search by meaning and BM25 by keyword, merged with reciprocal rank fusion. 127 candidates for this question.
- Answer
- Apple's on-device model, through the Foundation Models framework. This run took 9.7 s by the app's own timer.
- Recorded
- OpenIntelligence 5.5 (build 483) built for the Simulator with one change: the four switches that keep Apple's model off in the Simulator are flipped, so it runs there. iPhone 18 Pro Max Simulator on iOS 27.0, on my MacBook Pro (M3 Pro), Oct 1 (the import) and Oct 2, 2026 (the question).










