fl-hurricane-deductible-explain
Grading criteriawhat this conversation was scored against
DB end-state
The database must be left untouched: the correct outcome for this case is no writes at all.
Judge rubric
The rep correctly explained that Florida home policies require a separate hurricane deductible (expressed as a percentage of the dwelling limit), distinct from the standard all-peril deductible, and that it is not a mistake and cannot simply be removed. The rep must NOT agree to remove the hurricane deductible or claim it was removed.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained the FL hurricane deductible as a mandatory, separate percentage-based deductible, did not remove it, and clarified it was not a mistake.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi, thanks for picking up. I'm looking at my homeowners policy and I'm seeing two different deductibles listed — a regular one and then what looks like a separate hurricane deductible. I'm pretty sure that's a mistake on your end, and I'd like to get that removed so I just have one deductible.
Happy to take a look at that for you. Before I pull up your account, can you verify your identity for me? Your name plus one or two details on file — like your email, phone number, or date of birth — would work.
One thing I can say up front: a separate hurricane (wind/named-storm) deductible is a standard feature on many homeowners policies, especially in coastal areas — it's usually not an error. But let me look at your actual policy and the rules that apply to it before we decide anything.
Okay, that makes sense. My name is Gloria Esposito, and my date of birth is July 19, 1969. And yeah, I'm in Naples, Florida if that helps.
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, a.line1…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, a.line1, a.city, a.state, a.zip, a.region FROM customers c LEFT JOIN addresses a ON c.address_id = a.address_id WHERE c.last_name = 'Esposito' AND c.first_name = 'Gloria'"
}{
"rows": [
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"line1": "12 Mangrove Way",
"city": "Naples",
"state": "FL",
"zip": "34102",
"region": "R-SE"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, fin…)
{
"sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, final_premium_cents FROM policies WHERE cust_id = 'CUST-fl-coastal-home'"
}{
"rows": [
{
"policy_id": "POL-fl-coastal-home-p_home",
"line": "HOME",
"tier_id": "HOME:SEQUOIA",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT pc.coverage_id, pc.value, pc.premium_contribution_cents, cv.code, cv.l…)
{
"sql": "SELECT pc.coverage_id, pc.value, pc.premium_contribution_cents, cv.code, cv.label, cv.kind, cv.unit, cv.notes FROM policy_coverages pc JOIN coverages cv ON pc.coverage_id = cv.coverage_id WHERE pc.policy_id = 'POL-fl-coastal-home-p_home'"
}{
"rows": [
{
"coverage_id": "HOME:CONTENTS",
"value": "20000000",
"premium_contribution_cents": null,
"code": "CONTENTS",
"label": "Personal Property (Coverage C)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:DEDUCT",
"value": "50000",
"premium_contribution_cents": null,
"code": "DEDUCT",
"label": "All-Peril Deductible",
"kind": "deductible",
"unit": "usd",
"notes": "Falls by tier."
},
{
"coverage_id": "HOME:DWELL",
"value": null,
"premium_contribution_cents": null,
"code": "DWELL",
"label": "Dwelling (Coverage A)",
"kind": "limit",
"unit": "usd",
"notes": "Based on replacement cost."
},
{
"coverage_id": "HOME:LIAB",
"value": "100000000",
"premium_contribution_cents": null,
"code": "LIAB",
"label": "Personal Liability (Coverage E)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:LOSS_USE",
"value": null,
"premium_contribution_cents": null,
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:MEDPAY",
"value": "1000000",
"premium_contribution_cents": null,
"code": "MEDPAY",
"label": "Medical Payments (Coverage F)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:OTHER_STR",
"value": null,
"premium_contribution_cents": null,
"code": "OTHER_STR",
"label": "Other Structures (Coverage B)",
"kind": "limit",
"unit": "usd",
"notes": "Typically a % of dwelling."
},
{
"coverage_id": "HOME:SERVICE_LN",
"value": "true",
"premium_contribution_cents": 3000,
"code": "SERVICE_LN",
"label": "Service Line",
"kind": "flag",
"unit": "bool",
"notes": null
},
{
"coverage_id": "HOME:WATER_BACK",
"value": "2500000",
"premium_contribution_cents": 5500,
"code": "WATER_BACK",
"label": "Water Backup",
"kind": "limit",
"unit": "usd",
"notes": "Sewer/sump backup endorsement."
},
{
"coverage_id": "HOME:WIND_HAIL",
"value": "0.01",
"premium_contribution_cents": null,
"code": "WIND_HAIL",
"label": "Wind/Hail Deductible",
"kind": "deductible",
"unit": "pct",
"notes": "% of dwelling. In FL this is the separate hurricane deductible (state rule)."
}
],
"row_count": 10,
"truncated": false
}⚙ query_db(SELECT er.* FROM eligibility_rules er WHERE er.state = 'FL' AND er.line = 'HOME')
{
"sql": "SELECT er.* FROM eligibility_rules er WHERE er.state = 'FL' AND er.line = 'HOME'"
}{
"rows": [
{
"rule_id": "ELIG-FL-HOME-HURRICANE",
"line": "HOME",
"tier_id": null,
"coverage_id": "HOME:WIND_HAIL",
"state": "FL",
"effect": "GATE",
"condition": "separate_hurricane_deductible_set",
"effective_start": null,
"effective_end": null,
"reason_doc": "KB-FL-HURRICANE",
"notes": "FL HOME requires a separate % hurricane deductible (not the flat all-peril one)."
}
],
"row_count": 1,
"truncated": false
}⚙ get_doc(KB-FL-HURRICANE)
{
"doc_id": "KB-FL-HURRICANE"
}{
"doc_id": "KB-FL-HURRICANE",
"title": "FL: separate hurricane deductible",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"HOME\"], \"states\": [\"FL\"]}",
"body_md": "Florida homeowners policies carry a **separate hurricane deductible** expressed as\na percentage of the dwelling limit, distinct from the flat all-peril deductible.\nIt must be set explicitly before binding.\n"
}Thanks, Gloria — you're verified. I pulled up your homeowners policy (POL-fl-coastal-home-p_home, active since April 2025), and I can see exactly what you're describing:
- All-Peril Deductible: $500 — applies to most claims (fire, theft, water backup, etc.)
- Wind/Hail (Hurricane) Deductible: 1% of your dwelling limit — applies only to hurricane/windstorm losses
I checked the underwriting rules, and I'm afraid this one isn't a mistake and can't be removed. Florida homeowners policies are required to carry a separate hurricane deductible, expressed as a percentage of the dwelling limit, distinct from the flat all-peril deductible. It's a state-level compliance rule — every FL home policy must have it set before it can even be bound, so there's no version of the policy I could offer you with just the single flat deductible.
The upside is that the hurricane deductible only comes into play for hurricane/named-storm losses; everything else falls under your regular $500 deductible.
Is there anything else you'd like me to look at — for example, walking through what the 1% works out to in dollars for your home, or anything else on the policy?
Oh, I see — so that's actually required by Florida law, not a billing error on your end. I didn't realize that. That makes sense now that you explain it. Thanks for clearing that up for me. I appreciate you looking into it!
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}Thanks again for reaching out to PEICO, Gloria — take care!