POST #1 — the corrected structure: Claim, Loss, lifecycle, money

The same neighbourhood after backlog stories CLM-1..CLM-9. Green = corrected structure; every cardinality shown is enforced by the SHACL suite, not by OWL axioms.

What changed

  1. 1Demand ≠ occurrence. claim:Claim (the case) links to claim:Loss (the event) via hasLoss — exactly one per claim, many claims per loss; one owl:inverseOf axiom, declared once. (CLM-1)
  2. 2Exactly one policy. underPolicy is SHACL-constrained to 1..1 — orphan claims become named violations, and policy:hasClaim is its declared inverse. (CLM-9, CLM-15)
  3. 3Lifecycle as events. FNOL, opening, closing, reopening are disjoint timestamped events with PROV-O actors; current status is derived from the latest event. (CLM-4)
  4. 4Money with meaning. Every figure is a core:MoneyAmount (value + ISO-4217 currency) inside a valuation-dated FinancialSummary; incurred is computed, never stored. (CLM-7, CLM-8)
  5. 5Catastrophe as identity. Losses share one CatastropheEvent carrying the PCS code exactly once — cat aggregation is a traversal, and non-cat claims carry nothing. (CLM-3)