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  <!-- Topics hub -->
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  <!-- Conditions library -->
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  <!-- Conditions library — Spring 2026 expansion -->
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  <!-- Tools -->
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  <!-- Topical hubs -->
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  <url><loc>https://oakridgeclaims.com/appeals-timeline</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- State landing pages -->
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  <url><loc>https://oakridgeclaims.com/va-claims/california</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
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