Construction Claims — Implementation Guide
Audience: Developers, contractors, inspectors, implementation teams. Vertical: Construction — building projects, infrastructure, milestone payments, defect rectification. Status: Configuration-only design; expert sign-off gates; no bespoke tables. Substrate: Reuses Jijibora building safety inspections scenario (7-stage chain) and building reflex.
1. Claim Types — Construction
| Claim Type | CNS URI | Bound To | Typical Evidence Required |
|---|
| Project Delay Claim | cns://claim/type/construction/project_delay | resource:project | Schedule baseline, delay notice, force majeure evidence, impact assessment |
| Milestone Payment Dispute | cns://claim/type/construction/milestone_payment | claim:payment | Milestone certificate, work evidence, payment application, certification |
| Defect Rectification Claim | cns://claim/type/construction/defect_rectification | resource:building | Defect list, inspection report, rectification evidence, sign-off |
| Insurance Claim | cns://claim/type/construction/insurance_claim | resource:policy | Loss notice, adjuster report, repair estimates, reinsurer notice |
| Handover Claim | cns://claim/type/construction/handover | resource:building | Handover certificate, defect punch list, occupancy permit |
2. Expert Sign-Off Gate
Construction claims follow the building safety inspection scenario pattern (7-stage chain):
- Scheduled → 2. Evidence recorded → 3. Expert sign-off → 4. Certificate issued → 5. Packet exported → 6. Expiry watch → 7. Re-inspection
Expert sign-off is mandatory — no path around it. No auto-certify, no auto-fine. Event names are provisional until registration.
3. Guard Policies — Construction
3.1 Separation of Duties
| Claim Type | Creator May Approve? | Barred Pairs | Notes |
|---|
| Project Delay | No | Contractor ↔ Owner | Different parties; owner certifies delay |
| Milestone Payment | No | Contractor ↔ Certifier | Contractor performs work; certifier certifies — different persons |
| Defect Rectification | No | Inspector ↔ Contractor | Inspector certifies fix; contractor performs fix |
| Insurance Claim | No | Claimant ↔ Adjuster | Different parties |
| Handover | No | Developer ↔ Inspector | Different parties; inspector certifies building |
3.2 Quorum Bands
| Amount Range | Risk | Quorum | Approver Roles |
|---|
| < KES 1M | Low | One-person standard | Project inspector |
| KES 1M – 10M | Mid | Two-person | Inspector + project manager |
| > KES 10M | High | Three-person | Inspector + project manager + developer |
| Insurance | Any | Reinsurer notice | Adjuster + reinsurer |
3.3 Evidence Requirements
| Claim Type | Required Evidence | Source |
|---|
| Project Delay | Schedule baseline, delay notice, impact evidence | Project management system + schedule |
| Milestone Payment | Milestone certificate, work evidence, payment application | Payment application + certification |
| Defect Rectification | Defect list, inspection report, rectification evidence | Building inspection + contractor fix evidence |
| Insurance Claim | Loss notice, adjuster report, repair estimates | Insurance system + adjuster |
| Handover | Handover certificate, defect punch list, occupancy permit | Building safety inspection + occupancy permit |
4. Panel Roles — Construction
| Role | Capabilities Required | Attestation | Lease TTL | Claim Types |
|---|
| Project Inspector | loss_assessment, snag_inspection, safety_certification | Yes | 1 hour | All |
| Project Manager | milestone_certify, schedule_approve, progress_review | Yes | 8 hours | Delay, milestone, handover |
| Contractor | construction_repair, defect_rectify, work_complete | Yes | 1 hour | Defect rectification |
| Developer Representative | title_verification, handover_approve, sale_approve | Yes | 8 hours | Handover, warranty |
| Adjuster | loss_adjustment, repair_estimate, reinsurer_notice | Yes | 8 hours | Insurance claim |
| Reinsurer | reinsurance_notice, catastrophe_screening | Yes | 8 hours | Insurance claim |
5. SLA Windows — Construction
| Claim Type | Severity | Default Window | Escalation To |
|---|
| Project Delay | Standard | 30 days | Project manager |
| Milestone Payment | Standard | 14 days | Project manager + finance |
| Defect Rectification | Urgent | 48 hours (safety-critical) | Project inspector |
| Defect Rectification | Standard | 30 days | Project inspector |
| Insurance Claim | Standard | 90 days | Adjuster + reinsurer |
| Handover | Standard | 60 days | Developer representative |
6. Intake Maps — Construction
| Map ID | Target | Fields Mapped | Source Channels |
|---|
intake:construction:delay | claim creation | project_id, delay_type, delay_days, force_majeure, impact_assessment | Project management, site report |
intake:construction:milestone | claim creation | project_id, milestone_id, work_evidence, payment_application, certificate_ref | Payment application system |
intake:construction:defect | claim creation | building_id, defect_list, severity, inspector_id, location | Building inspection, snag list |
intake:construction:insurance | claim creation | policy_id, loss_type, loss_notice, adjuster_ref, repair_estimates | Insurance system, adjuster |
7. PoCE Integration Points
| Transition | PoCE Trigger | Evidence Recorded |
|---|
| Delay notice | fn::lifecycle::start_poce_session | project, delay type, impact, schedule baseline |
| Milestone certified | fn::lifecycle::record_poce_step | certifier, milestone, work evidence, payment app |
| Defect found | fn::lifecycle::start_poce_session | building, defect list, inspector, location |
| Defect rectified | fn::lifecycle::record_poce_step | contractor, rectification evidence, completion photo |
| Defect signed off | fn::lifecycle::record_poce_step | inspector sign-off, handover readiness |
| Insurance loss | fn::lifecycle::start_poce_session | policy, loss type, adjuster, estimates |
| Handover completed | fn::lifecycle::finalize_poce_session | developer, occupancy permit, defect punch list |
8. Worked Example — Milestone Payment Dispute
- Contractor submits milestone payment application for foundation work completed.
- Claim created:
cns://claim/type/construction/milestone_payment, bound to claim:payment, PoCE session started. - Project inspector assigned via panel (two-person quorum for amounts > KES 1M).
- Work evidence reviewed — photos, GPS timestamps, material deliveries, labor hours.
- Milestone certified — inspector + project manager sign off (quorum reached).
- Payment authorized — funds released from escrow against verified proof.
- Claim finalized with PoCE receipt: contractor → inspector → project manager → escrow release chain.
Guard check: Contractor ≠ Certifier (SOD enforced). No payment without milestone certificate (expert sign-off). Escrow releases only against verified proof.
9. What We Do Not Build
- No project management replacement. Project management tools remain the system of record for schedules; Sovereign OS mirrors milestone and delay data.
- No construction cost estimation engine. Unless expressible as solver-gateway capability + declarative lookups.
- No synthetic "optimal" crew allocation. Solver down → 502/503 fail closed.
- No fake metrics (e.g., "97% on-time completion rate"). Live data or honest empty states.
10. Deployment
- Deploy strata:
s128 (Mayet FSM), s151 (Pipeline FSM), s282_processing_claim, s214_claim_arbitration - Seed CNS types:
cns://claim/type/construction/* - Seed lookups: guard policies, quorum bands, SLA windows, panel roles, intake maps in NATS KV
- Seed scenario packs: project delay, milestone payment, defect rectification, insurance claim packs
- Configure expert sign-off gates per claim type
- Test:
GET /v1/claims/processing/readiness — all probes must pass before LIVE