claim-fnol-promote

{
  "sql": "SELECT c.claim_id, c.status, c.reported_at, c.policy_id, c.loss_date, p.cust_id, cu.first_name, cu.last_name \nFROM claims c\nJOIN policies p ON c.policy_id = p.policy_id\nJOIN customers cu ON p.cust_id = cu.cust_id\nWHERE c.reported_at LIKE '2025-05-26%'"
}

{
  "rows": [
    {
      "claim_id": "CLM-fl-coastal-hail",
      "status": "FNOL",
      "reported_at": "2025-05-26",
      "policy_id": "POL-fl-coastal-home-p_home",
      "loss_date": "2025-05-24",
      "cust_id": "CUST-fl-coastal-home",
      "first_name": "Gloria",
      "last_name": "Esposito"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "query": "claim status FNOL OPEN CLOSED"
}

{
  "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-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-DISC-FREELOOK",
      "title": "Free-look period",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "The customer may cancel within the **free-look period** (30 days for life, 10 days\nfor supplemental health) after policy delivery for a full refund of premium paid.\nThe period and refund right must be disclosed at bind and recorded.\n"
    },
    {
      "doc_id": "KB-DISC-UMUIM",
      "title": "UM/UIM selection or rejection",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "The customer must affirmatively **select or reject** Uninsured/Underinsured Motorist\ncoverage; the choice (and limits, if selected) is disclosed and recorded at bind.\nSome states mandate UM/UIM at or above the BI limit.\n"
    }
  ]
}

{
  "doc_id": "KB-CLAIMS-STATUS"
}

{
  "doc_id": "KB-CLAIMS-STATUS",
  "title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
  "category": "POLICY",
  "applies_to": "{\"lines\": \"ALL\"}",
  "body_md": "**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 customer, and may close a claim **only while its reserve is $0 or\nunset** — the usual case being a customer withdrawing a first notice of\nloss. Once money is reserved, closure belongs to the adjuster: do **not**\nclose a reserved claim, however firmly the customer asks. Reopening a\nCLOSED claim goes through the claims desk, not the service line.\n"
}

{
  "sql": "SELECT reserve_cents FROM claims WHERE claim_id = 'CLM-fl-coastal-hail'"
}

{
  "rows": [
    {
      "reserve_cents": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "PRAGMA table_info(claims)"
}

{
  "error": "read_only",
  "detail": "Only SELECT/WITH queries are allowed."
}

{
  "sql": "SELECT * FROM claims WHERE claim_id = 'CLM-fl-coastal-hail'"
}

{
  "rows": [
    {
      "claim_id": "CLM-fl-coastal-hail",
      "policy_id": "POL-fl-coastal-home-p_home",
      "reported_at": "2025-05-26",
      "loss_date": "2025-05-24",
      "type": "HAIL",
      "status": "FNOL",
      "reserve_cents": null,
      "fraud_score": 0.03
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "claim_id": "CLM-fl-coastal-hail",
  "status": "OPEN"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "claims": {
      "changed": [
        {
          "pk": {
            "claim_id": "CLM-fl-coastal-hail"
          },
          "fields": {
            "status": [
              "FNOL",
              "OPEN"
            ]
          }
        }
      ]
    }
  }
}

{
  "query": "claims process adjuster inspection"
}

{
  "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…"
    }
  ]
}

{
  "sql": "SELECT coverage_id, value, premium_contribution_cents FROM policy_coverages WHERE policy_id = 'POL-fl-coastal-home-p_home'"
}

{
  "rows": [
    {
      "coverage_id": "HOME:CONTENTS",
      "value": "20000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "HOME:DEDUCT",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "HOME:DWELL",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "HOME:LIAB",
      "value": "100000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "HOME:LOSS_USE",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "HOME:MEDPAY",
      "value": "1000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "HOME:OTHER_STR",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "HOME:SERVICE_LN",
      "value": "true",
      "premium_contribution_cents": 3000
    },
    {
      "coverage_id": "HOME:WATER_BACK",
      "value": "2500000",
      "premium_contribution_cents": 5500
    },
    {
      "coverage_id": "HOME:WIND_HAIL",
      "value": "0.01",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 10,
  "truncated": false
}

{
  "query": "wind hail coverage deductible"
}

{
  "results": [
    {
      "doc_id": "KB-EVERGREEN-CLASSIC",
      "title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"HOME\"]}",
      "snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\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-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-FL-HURRICANE",
      "title": "FL: separate hurricane deductible",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HOME\"], \"states\": [\"FL\"]}",
      "snippet": "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"
    },
    {
      "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-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-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
    },
    {
      "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…"
    }
  ]
}

{
  "sql": "SELECT replacement_cost_cents FROM dwellings WHERE dwelling_id = (SELECT object_id FROM policy_objects WHERE policy_id = 'POL-fl-coastal-home-p_home' AND object_type = 'dwelling')"
}

{
  "rows": [
    {
      "replacement_cost_cents": 52000000
    }
  ],
  "row_count": 1,
  "truncated": false
}

{}

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