condo-loss-assess-missing-master

{
  "sql": "SELECT cust_id, first_name, last_name, email, phone, status FROM customers WHERE email = 'denise.okafor@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-nc-condo",
      "first_name": "Denise",
      "last_name": "Okafor",
      "email": "denise.okafor@example.com",
      "phone": null,
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, final_premium_cents FROM policies WHERE cust_id = 'CUST-nc-condo'"
}

{
  "rows": [
    {
      "policy_id": "POL-nc-condo-p_condo",
      "line": "CONDO",
      "tier_id": "CONDO:PINE",
      "status": "ACTIVE",
      "effective_date": "2025-03-01",
      "expiration_date": "2026-03-01",
      "final_premium_cents": 61000
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT pc.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cents FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-nc-condo-p_condo'"
}

{
  "rows": [
    {
      "coverage_id": "CONDO:CONTENTS",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "value": "5000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "CONDO:DEDUCT",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "value": "100000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "CONDO:LIAB",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "value": "30000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "CONDO:LOSS_USE",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "value": "1500000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "CONDO:MEDPAY",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "value": "200000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "CONDO:UNIT_IMP",
      "code": "UNIT_IMP",
      "label": "Unit/Improvements (Coverage A)",
      "value": "5000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "CONDO:WATER_BACK",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "value": "500000",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 7,
  "truncated": false
}

{
  "sql": "SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line = 'CONDO' AND (code LIKE '%ASSESS%' OR label LIKE '%assess%')"
}

{
  "rows": [
    {
      "coverage_id": "CONDO:LOSS_ASSESS",
      "code": "LOSS_ASSESS",
      "label": "Loss Assessment",
      "kind": "limit",
      "unit": "usd",
      "notes": "Tied to the HOA master-policy deductible field."
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT a.state, a.region FROM customers cu JOIN addresses a ON a.address_id = cu.address_id WHERE cu.cust_id = 'CUST-nc-condo'"
}

{
  "rows": [
    {
      "state": "NC",
      "region": "R-SE"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT * FROM eligibility_rules WHERE coverage_id = 'CONDO:LOSS_ASSESS' OR (line = 'CONDO' AND coverage_id IS NULL)"
}

{
  "rows": [
    {
      "rule_id": "ELIG-CONDO-MASTER",
      "line": "CONDO",
      "tier_id": null,
      "coverage_id": "CONDO:LOSS_ASSESS",
      "state": null,
      "effect": "REQUIRE",
      "condition": "hoa_master_deductible_present",
      "effective_start": null,
      "effective_end": null,
      "reason_doc": "KB-CONDO-MASTER",
      "notes": "Loss-assessment coverage assumes an HOA master policy; its deductible feeds the limit."
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "loss assessment condo HOA"
}

{
  "results": [
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
    },
    {
      "doc_id": "KB-CLAIMS-STATUS",
      "title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
    },
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    },
    {
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "title": "COASTALSHIELD terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
      "snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
    }
  ]
}

{
  "doc_id": "KB-CONDO-MASTER"
}

{
  "doc_id": "KB-CONDO-MASTER",
  "title": "Condo loss assessment & the HOA master policy",
  "category": "POLICY",
  "applies_to": "{\"lines\": [\"CONDO\"]}",
  "body_md": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
}

{
  "sql": "SELECT d.dwelling_id, d.type, d.hoa_master_deductible_cents, d.replacement_cost_cents FROM dwellings d JOIN policy_objects po ON po.object_id = d.dwelling_id AND po.object_type = 'dwelling' WHERE po.policy_id = 'POL-nc-condo-p_condo'"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "sql": "SELECT po.object_type, po.object_id FROM policy_objects po WHERE po.policy_id = 'POL-nc-condo-p_condo'"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "sql": "SELECT dwelling_id, type, year_built, hoa_master_deductible_cents, replacement_cost_cents FROM dwellings WHERE cust_id = 'CUST-nc-condo'"
}

{
  "rows": [
    {
      "dwelling_id": "DWL-nc-condo-d1",
      "type": "condo",
      "year_built": 2015,
      "hoa_master_deductible_cents": null,
      "replacement_cost_cents": 21000000
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "adding coverage after loss known loss endorsement backdating"
}

{
  "results": [
    {
      "doc_id": "KB-CLAIMS-STATUS",
      "title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
    },
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    },
    {
      "doc_id": "KB-TX-MOTO",
      "title": "TX: motorcycle custom-parts coverage unavailable",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
      "snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
    },
    {
      "doc_id": "KB-DISC-HLTH-SUPP",
      "title": "Supplemental health: not major-medical; pre-existing limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HLTH\"]}",
      "snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
    },
    {
      "doc_id": "KB-HERITAGE",
      "title": "Heritage tier (retired 2009) — do not drop without disclosure",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
    },
    {
      "doc_id": "KB-SUITABILITY",
      "title": "Suitability requirement for Life & Health",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon,…"
    }
  ]
}

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}