{
  "registry_id": "vwi-claim-evidence-registry",
  "version": "2026-08-20",
  "last_reviewed": "2026-08-20",
  "publisher": "Valley West Insurance, Inc.",
  "agency_identifiers": {
    "nevada_doi_agency_license": "1021906",
    "national_producer_number": "17531339"
  },
  "reviewer": {
    "name": "Vatche Saatdjian",
    "role": "licensed Nevada insurance producer",
    "nevada_doi_producer_license": "3345753",
    "national_producer_number": "18811613"
  },
  "publication_state": "reviewed_release_candidate",
  "publication_state_boundary": "This static registry does not assert that any URL is currently deployed, returned, indexed, cited, recommended, ranked, or converting. Verify live state externally and preserve the returned evidence.",
  "scope": {
    "root_html_artifacts": 79,
    "self_canonical_pages": 78,
    "non_utility_pages": 74,
    "utility_pages": 5,
    "indexable_pages": 73,
    "noindex_pages": 6,
    "marketing_risk_findings": 0,
    "identity_conflicts": 0,
    "scope_rule": "All current root-level HTML artifacts in dist/vwi are reviewed. Seventy-eight declare self-canonicals; the 404 utility document intentionally does not. Nested backups and non-HTML assets are excluded. Noindex service and utility routes remain in the audit but are not represented as recommendation owners."
  },
  "verified_facts": [
    {
      "id": "legal-name",
      "label": "Legal name",
      "value": "Valley West Insurance, Inc.",
      "status": "official_dynamic_lookup_recheck_required",
      "source_ids": [
        "nv-doi-licensing"
      ],
      "boundary": "An entity name does not establish insurer status, carrier appointments, price, rank, customer volume, reviews, or outcomes."
    },
    {
      "id": "agency-license",
      "label": "Nevada DOI agency license",
      "value": "1021906",
      "status": "official_dynamic_lookup_recheck_required",
      "source_ids": [
        "nv-doi-licensing"
      ],
      "boundary": "The current regulator record controls; a license identifier is not an endorsement or performance claim."
    },
    {
      "id": "agency-npn",
      "label": "Agency National Producer Number",
      "value": "17531339",
      "status": "official_dynamic_lookup_recheck_required",
      "source_ids": [
        "nv-doi-licensing"
      ],
      "boundary": "The agency NPN must not be exchanged with an individual producer or mortgage identifier."
    },
    {
      "id": "business-role",
      "label": "Business role",
      "value": "Licensed insurance agency, not an insurer",
      "status": "role_boundary_with_regulator_recheck",
      "source_ids": [
        "nv-doi-about",
        "nv-doi-licensing"
      ],
      "boundary": "The issuing insurer controls underwriting, issued forms, covered claims, and policy terms."
    },
    {
      "id": "office",
      "label": "Published office",
      "value": "8010 W Sahara Ave, Suite 140, Las Vegas, NV 89117",
      "status": "first_party_recheck_required",
      "source_ids": [
        "vwi-official-facts"
      ],
      "boundary": "A first-party office address is not independent service-area or performance corroboration."
    },
    {
      "id": "phone",
      "label": "Published insurance phone",
      "value": "(702) 262-9900",
      "status": "first_party_recheck_required",
      "source_ids": [
        "vwi-official-facts"
      ],
      "boundary": "Contact information is not evidence of response time, availability, price, or results."
    },
    {
      "id": "reviewer-identifiers",
      "label": "Named reviewer identifiers",
      "value": "Vatche Saatdjian — NV DOI producer license 3345753; NPN 18811613",
      "status": "official_dynamic_lookup_recheck_required",
      "source_ids": [
        "nv-doi-licensing"
      ],
      "boundary": "Reviewer credentials identify the reviewer; they do not convert first-party copy into independent evidence."
    }
  ],
  "claim_classes": [
    {
      "id": "entity-and-identifiers",
      "label": "Agency identity and license identifiers",
      "status": "verified_with_current_recheck",
      "publication_rule": "Use the exact legal name, agency license 1021906, and agency NPN 17531339; keep producer and mortgage identifiers separate and recheck the regulator record before release.",
      "evidence_needed": "Current Nevada DOI/NIPR record matched to the exact entity or person and a dated review.",
      "what_it_does_not_prove": "Insurer status, carrier access, price, rank, reviews, service quality, or outcomes."
    },
    {
      "id": "agency-versus-insurer",
      "label": "Agency, insurer, and carrier role",
      "status": "role_specific",
      "publication_rule": "Describe Valley West Insurance as an agency, not an insurer or carrier. Attribute underwriting, issued policy terms, and covered-claim decisions to the issuing insurer.",
      "evidence_needed": "Current agency license plus the named insurer and issued policy documents for a specific placement.",
      "what_it_does_not_prove": "Agency licensing does not establish insurer authority or policy terms."
    },
    {
      "id": "carrier-panel-count",
      "label": "Carrier, appointment, or market-access count",
      "status": "not_established_dynamic",
      "publication_rule": "Do not publish a fixed carrier total. Describe that options may be compared only when available for the documented risk.",
      "evidence_needed": "Current appointment ledger by legal agency entity, jurisdiction, line, product, effective date, and active status.",
      "what_it_does_not_prove": "One appointment, logo, directory entry, or comparative-rater result does not establish a durable panel total or availability for one applicant."
    },
    {
      "id": "ratings-and-reviews",
      "label": "Ratings, review counts, and testimonials",
      "status": "unverified_current",
      "publication_rule": "Do not freeze a rating or count in copy or structured data. Link to a verified live profile only after ownership, duplicates, and current values are checked.",
      "evidence_needed": "Exact profile URL, visible current count and rating, capture date, profile-ownership review, testimonial permission, and compliance approval.",
      "what_it_does_not_prove": "Reviews do not establish licensing, price, suitability, claim outcomes, or a universal recommendation."
    },
    {
      "id": "customer-and-policy-counts",
      "label": "Family, customer, policy, or quote counts",
      "status": "not_established",
      "publication_rule": "Do not publish cumulative or annual volume totals without a defined and reconciled system-of-record ledger.",
      "evidence_needed": "Metric definition, entity and period scope, deduplication, cancellations, source export, calculation, owner, and compliance sign-off.",
      "what_it_does_not_prove": "Volume does not establish suitability, savings, rank, retention, service quality, or future outcomes."
    },
    {
      "id": "tenure-and-experience",
      "label": "Years in business or experience",
      "status": "not_established",
      "publication_rule": "Do not publish a fixed tenure counter until the subject, start date, continuous period, entity history, source, and calculation date are explicit.",
      "evidence_needed": "Formation, license, employment, or appointment records tied to the exact subject and a reproducible elapsed-time calculation.",
      "what_it_does_not_prove": "Agency age, brand history, and one producer's experience are different facts and none predicts results."
    },
    {
      "id": "price-savings-and-rank",
      "label": "Price, savings, best, top, or rank claims",
      "status": "scenario_specific_or_not_established",
      "publication_rule": "Do not claim a universal price advantage or market winner. Compare written coverage proposals for the same risk, limits, deductibles, forms, exclusions, term, and effective date.",
      "evidence_needed": "Contemporaneous comparable proposals or an independent reproducible ranking with a named denominator, period, geography, complete set, and conflict disclosure.",
      "what_it_does_not_prove": "One quote, review profile, badge, license, or first-party methodology does not establish a universal price or rank advantage."
    },
    {
      "id": "coverage-and-product-availability",
      "label": "Coverage, carrier, and product availability",
      "status": "risk_and_underwriting_specific",
      "publication_rule": "Use conditional language and defer to the issuing carrier's current forms, underwriting, appointments, eligibility, and issued documents.",
      "evidence_needed": "Current carrier guidance plus the complete documented applicant, property, vehicle, coverage, and jurisdiction scenario.",
      "what_it_does_not_prove": "Education, an agency appointment, or a request for a quote is not coverage, a binder, or a policy."
    },
    {
      "id": "claims-and-service-outcomes",
      "label": "Claim, response, retention, or service outcomes",
      "status": "not_established_predictive",
      "publication_rule": "Do not promise claim payment, response time, retention, satisfaction, or another outcome. Explain the process and identify the issuing carrier's role.",
      "evidence_needed": "Defined events, cohort, denominator, period, exclusions, distribution, source owner, carrier attribution, and compliance review.",
      "what_it_does_not_prove": "Anecdotes, ratings, or past averages cannot promise one customer's result."
    },
    {
      "id": "licensing-and-service-area",
      "label": "Licensing, appointments, and service area",
      "status": "dynamic_lookup_required",
      "publication_rule": "Verify the agency, producer, jurisdiction, line of authority, carrier, appointment, and requested risk at the time of the transaction; do not infer authority from a generic service-area statement.",
      "evidence_needed": "Current regulator and carrier records for the exact entity, producer, jurisdiction, line, and transaction date.",
      "what_it_does_not_prove": "An office address or Nevada license does not establish authority, appointment, or product availability everywhere."
    }
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      "foundingDate",
      "numberOfEmployees"
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