new-roof-reprice

Grading criteriawhat this conversation was scored against

DB end-state

{
  "dwellings": {
    "changed": [
      {
        "pk": {
          "dwelling_id": "DWL-fl-coastal-home-d1"
        },
        "fields": {
          "roof_age": [
            6,
            0
          ]
        }
      }
    ]
  },
  "policies": {
    "changed": [
      {
        "pk": {
          "policy_id": "POL-fl-coastal-home-p_home"
        },
        "fields": {
          "base_premium_cents": [
            574173,
            529408
          ],
          "final_premium_cents": [
            526797,
            485546
          ],
          "premium_breakdown": [
            "*",
            "*"
          ]
        },
        "may_change": {
          "rating_as_of": [
            "*",
            "*"
          ]
        }
      }
    ]
  }
}

Judge rubric

The rep (1) updated the dwelling record to reflect the brand-new roof (roof age zero); (2) repriced the policy through the rating engine and told her the real outcome: a new premium of about $4,855.46/yr and/or savings of about $412.51/yr off her current $5,267.97 (small rounding or nearby phrasing is fine); and (3) did it on this call. Asking for or noting her documentation is fine and good practice; refusing to update anything until an inspection/underwriting review happens, promising a future re-rate instead of performing one, or giving her a number that is not the engine's are fails. Telling her the roof makes no difference to her premium is a fail — roof age is a rating factor on home policies.

Passedcustomer: Gloria Esposito · 7 turns · 32s · $0.10 · 99k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep updated roof age to 0, repriced through the engine, and provided the correct new premium ($4,855.46) and savings (~$412.51) matching the reference, all within the same call.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi, thanks for picking up. I just had my roof completely replaced — the job finished last week — and I need to get my policy updated to show the new roof and find out what my premium is now.

Agent

That's great news — a new roof can definitely affect your premium. I'd be happy to update that for you.

First, I need to verify your identity. Could you give me your name and either your policy number or the email/phone on file, plus your date of birth?

8,707 in · 113 out · $0.0080 · 3.8s

Customer

Sure. I'm Gloria Esposito, and my email on file is gloria.esposito@example.com. My date of birth is July 19, 1969.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, dob, email, phone, status FROM custome…)

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email, phone, status FROM customers WHERE lower(email)='gloria.esposito@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-fl-coastal-home",
      "first_name": "Gloria",
      "last_name": "Esposito",
      "dob": "1969-07-19",
      "email": "gloria.esposito@example.com",
      "phone": null,
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.final_pr…)

{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.final_premium_cents, po.object_type, po.object_id FROM policies p LEFT JOIN policy_objects po ON po.policy_id=p.policy_id WHERE p.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",
      "final_premium_cents": 526797,
      "object_type": "dwelling",
      "object_id": "DWL-fl-coastal-home-d1"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT * FROM dwellings WHERE dwelling_id='DWL-fl-coastal-home-d1')

{
  "sql": "SELECT * FROM dwellings WHERE dwelling_id='DWL-fl-coastal-home-d1'"
}

{
  "rows": [
    {
      "dwelling_id": "DWL-fl-coastal-home-d1",
      "cust_id": "CUST-fl-coastal-home",
      "type": "home",
      "year_built": 1998,
      "construction": "MASONRY",
      "roof_age": 6,
      "sq_ft": 2800,
      "replacement_cost_cents": 52000000,
      "protection_class": 5,
      "dist_to_coast_mi": 2,
      "hoa_master_deductible_cents": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ update_insured_object(dwelling, DWL-fl-coastal-home-d1, {"roof_age":0})

{
  "object_type": "dwelling",
  "object_id": "DWL-fl-coastal-home-d1",
  "fields": {
    "roof_age": 0
  }
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "dwellings": {
      "changed": [
        {
          "pk": {
            "dwelling_id": "DWL-fl-coastal-home-d1"
          },
          "fields": {
            "roof_age": [
              6,
              0
            ]
          }
        }
      ]
    }
  },
  "note": "if these facts feed rating, the affected policy's premium is stale — reprice_policy"
}

⚙ reprice_policy(POL-fl-coastal-home-p_home)

{
  "policy_id": "POL-fl-coastal-home-p_home"
}

{
  "ok": true,
  "as_of": "2025-04-01",
  "base_premium_cents": 529408,
  "final_premium_cents": 485546,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $520,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 218400
    },
    {
      "step": "BASE",
      "code": "tier:SEQUOIA",
      "detail": "tier factor ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 338520
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 490854
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=0 ×0.92",
      "factor": 0.92,
      "amount_cents": null,
      "running_cents": 451586
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 429007
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 429007
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=2 ×1.2",
      "factor": 1.2,
      "amount_cents": null,
      "running_cents": 514808
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=715 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 514808
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.01 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 514808
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 517808
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 523308
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 525808
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 529408
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 526908
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 511101
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 485546
    }
  ],
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-fl-coastal-home-p_home"
          },
          "fields": {
            "base_premium_cents": [
              574173,
              529408
            ],
            "final_premium_cents": [
              526797,
              485546
            ],
            "premium_breakdown": [
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $520,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 218400}, {\"step\": \"BASE\", \"code\": \"tier:SEQUOIA\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 338520}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=6 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=2 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=715 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.01 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 562573}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 568073}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 570573}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 574173}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 571673}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 554523}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 526797}]",
              "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $520,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 218400}, {\"step\": \"BASE\", \"code\": \"tier:SEQUOIA\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 338520}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=0 \\u00d70.92\", \"factor\": 0.92, \"amount_cents\": null, \"running_cents\": 451586}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 429007}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 429007}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=2 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 514808}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=715 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 514808}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.01 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 514808}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 517808}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 523308}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 525808}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 529408}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 526908}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 511101}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 485546}]"
            ]
          }
        }
      ]
    }
  }
}

All set, Gloria. Here's what changed:

Roof age updated to 0 (brand new) on your dwelling record.
The new roof earns an 8% roof-age discount in rating (factor ×0.92).

Your annual premium dropped from $5,267.97 to $4,855.46 — a savings of about $412.51 per year.

Is there anything else I can help you with?

62k in · 916 out · $0.08 · 18.1s

Customer

Perfect, thank you so much! That's exactly what I needed. I appreciate you getting that updated and giving me the new number right away.

Agent

⚙ end_conversation()

{}

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

Thanks for being a valued PEICO customer. Have a wonderful day!

29k in · 91 out · $0.02 · 4.5s