{"build":"resolve-api-v2","id":"material_damage","namespace":"pilot","label":"Material Damage","definition":"Physical loss of, or physical damage to, tangible insured property arising from a covered peril, excluding purely financial, consequential, or non-physical losses unless explicitly extended by the policy.","version":"1.0","status":"aligned","owner":"Claims Governance Lead","updated_at":"2026-06-12T17:42:51.304574+00:00"}