condo-loss-assess-missing-master

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email, phone FROM customers WHERE first_name = 'Denise' AND last_name = 'Okafor' AND dob = '1979-02-14'"
}

{
  "rows": [
    {
      "cust_id": "CUST-nc-condo",
      "first_name": "Denise",
      "last_name": "Okafor",
      "dob": "1979-02-14",
      "email": "denise.okafor@example.com",
      "phone": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

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

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

{
  "sql": "SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN coverages c ON pc.coverage_id = c.coverage_id WHERE pc.policy_id IN (SELECT policy_id FROM policies WHERE cust_id = 'CUST-nc-condo' AND line = 'HOME')"
}

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

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date 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"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT pc.coverage_id, c.code, c.label, pc.value FROM policy_coverages pc JOIN coverages c ON pc.coverage_id = c.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"
    },
    {
      "coverage_id": "CONDO:DEDUCT",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "value": "100000"
    },
    {
      "coverage_id": "CONDO:LIAB",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "value": "30000000"
    },
    {
      "coverage_id": "CONDO:LOSS_USE",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "value": "1500000"
    },
    {
      "coverage_id": "CONDO:MEDPAY",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "value": "200000"
    },
    {
      "coverage_id": "CONDO:UNIT_IMP",
      "code": "UNIT_IMP",
      "label": "Unit/Improvements (Coverage A)",
      "value": "5000000"
    },
    {
      "coverage_id": "CONDO:WATER_BACK",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "value": "500000"
    }
  ],
  "row_count": 7,
  "truncated": false
}

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

{
  "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-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-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-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,…"
    }
  ]
}

{
  "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 coverage_id, code, label FROM coverages WHERE line = 'CONDO' AND code = 'LOSS_ASSESS'"
}

{
  "rows": [
    {
      "coverage_id": "CONDO:LOSS_ASSESS",
      "code": "LOSS_ASSESS",
      "label": "Loss Assessment"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT tier_id, code, label FROM tiers WHERE line = 'CONDO'"
}

{
  "rows": [
    {
      "tier_id": "CONDO:SAPLING",
      "code": "SAPLING",
      "label": "Sapling"
    },
    {
      "tier_id": "CONDO:PINE",
      "code": "PINE",
      "label": "Pine"
    },
    {
      "tier_id": "CONDO:EVERGREEN",
      "code": "EVERGREEN",
      "label": "Evergreen"
    },
    {
      "tier_id": "CONDO:SEQUOIA",
      "code": "SEQUOIA",
      "label": "Sequoia"
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "sql": "SELECT rule_id, effect, condition FROM eligibility_rules WHERE line = 'CONDO' AND coverage_id = 'CONDO:LOSS_ASSESS' AND tier_id = 'CONDO:PINE'"
}

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

{}

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