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 · 9 turns · 28s · $0.03 · 199k tok in
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep updated the dwelling record for the new roof, repriced through the engine, and gave the exact figures ($4,855.46 new premium, down from $5,267.97, ~$412.51 savings), 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 last week and I want to get my policy updated to reflect that. I'm hoping to find out what my new premium will be with the roof credit.
Agent
36k in · 532 out · $0.0089 · 6.1s⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_prem…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_premium_cents, p.base_premium_cents, p.bundle_id, p.tier_id, c.first_name, c.last_name, c.address_id FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE c.first_name = 'Hi' LIMIT 1"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ query_db(SELECT policy_id, cust_id, line, status, rating_as_of, final_premium_cents, b…)
{
"sql": "SELECT policy_id, cust_id, line, status, rating_as_of, final_premium_cents, base_premium_cents, bundle_id, tier_id FROM policies WHERE status IN ('ACTIVE','QUOTE','PENDING') ORDER BY created_at DESC LIMIT 20"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"cust_id": "CUST-nest-household",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-15",
"final_premium_cents": 49184,
"base_premium_cents": 80320,
"bundle_id": "BND-nest-household",
"tier_id": "AUTO:PINE"
},
{
"policy_id": "POL-nest-household-p_home",
"cust_id": "CUST-nest-household",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-01-15",
"final_premium_cents": 131533,
"base_premium_cents": 170868,
"bundle_id": "BND-nest-household",
"tier_id": "HOME:EVERGREEN"
},
{
"policy_id": "POL-heritage-auto-p_auto",
"cust_id": "CUST-heritage-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-01",
"final_premium_cents": 176297,
"base_premium_cents": 199544,
"bundle_id": null,
"tier_id": "AUTO:HERITAGE"
},
{
"policy_id": "POL-ca-masked-auto-p_auto",
"cust_id": "CUST-ca-masked-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-03-10",
"final_premium_cents": 147023,
"base_premium_cents": 175080,
"bundle_id": null,
"tier_id": "AUTO:EVERGREEN"
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"cust_id": "CUST-fl-coastal-home",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-04-01",
"final_premium_cents": 526797,
"base_premium_cents": 574173,
"bundle_id": null,
"tier_id": "HOME:SEQUOIA"
},
{
"policy_id": "POL-legacy-mismatch-p_auto",
"cust_id": "CUST-legacy-mismatch",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-20",
"final_premium_cents": 120468,
"base_premium_cents": 120468,
"bundle_id": null,
"tier_id": "AUTO:PINE"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"cust_id": "CUST-ne-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-10",
"final_premium_cents": 114557,
"base_premium_cents": 144108,
"bundle_id": null,
"tier_id": "AUTO:EVERGREEN"
},
{
"policy_id": "POL-se-auto-pref-p_auto",
"cust_id": "CUST-se-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-15",
"final_premium_cents": 72643,
"base_premium_cents": 85102,
"bundle_id": null,
"tier_id": "AUTO:PINE"
},
{
"policy_id": "POL-life-suitable-p_life",
"cust_id": "CUST-life-suitable",
"line": "LIFE_W",
"status": "ACTIVE",
"rating_as_of": "2025-03-05",
"final_premium_cents": 185212,
"base_premium_cents": 208000,
"bundle_id": null,
"tier_id": "LIFE_W:EVERGREEN"
},
{
"policy_id": "POL-life-missale-p_life",
"cust_id": "CUST-life-missale",
"line": "LIFE_W",
"status": "ACTIVE",
"rating_as_of": "2025-04-18",
"final_premium_cents": 99100,
"base_premium_cents": 101600,
"bundle_id": null,
"tier_id": "LIFE_W:EVERGREEN"
},
{
"policy_id": "POL-retention-target-p_auto",
"cust_id": "CUST-retention-target",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-05-01",
"final_premium_cents": 91350,
"base_premium_cents": 106648,
"bundle_id": null,
"tier_id": "AUTO:PINE"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-20",
"final_premium_cents": 89796,
"base_premium_cents": 122123,
"bundle_id": null,
"tier_id": "AUTO:EVERGREEN"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "PET",
"status": "ACTIVE",
"rating_as_of": "2025-01-20",
"final_premium_cents": 56117,
"base_premium_cents": 68170,
"bundle_id": null,
"tier_id": "PET:EVERGREEN"
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"cust_id": "CUST-umbrella-plus",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"final_premium_cents": 86310,
"base_premium_cents": 138236,
"bundle_id": "BND-umbrella-plus",
"tier_id": "AUTO:EVERGREEN"
},
{
"policy_id": "POL-umbrella-plus-p_home",
"cust_id": "CUST-umbrella-plus",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"final_premium_cents": 244175,
"base_premium_cents": 338361,
"bundle_id": "BND-umbrella-plus",
"tier_id": "HOME:EVERGREEN"
},
{
"policy_id": "POL-umbrella-plus-p_umbr",
"cust_id": "CUST-umbrella-plus",
"line": "UMBR",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"final_premium_cents": 27870,
"base_premium_cents": 41422,
"bundle_id": "BND-umbrella-plus",
"tier_id": "UMBR:EVERGREEN"
}
],
"row_count": 16,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_prem…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_premium_cents, c.first_name, c.last_name FROM policies p JOIN customers c ON c.cust_id = p.cust_id WHERE c.email LIKE '%' OR c.phone LIKE '%' ORDER BY p.created_at DESC LIMIT 50"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_auto",
"cust_id": "CUST-nest-household",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-15",
"final_premium_cents": 49184,
"first_name": "Marisol",
"last_name": "Trujillo"
},
{
"policy_id": "POL-nest-household-p_home",
"cust_id": "CUST-nest-household",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-01-15",
"final_premium_cents": 131533,
"first_name": "Marisol",
"last_name": "Trujillo"
},
{
"policy_id": "POL-heritage-auto-p_auto",
"cust_id": "CUST-heritage-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-01",
"final_premium_cents": 176297,
"first_name": "Walter",
"last_name": "Pennington"
},
{
"policy_id": "POL-ca-masked-auto-p_auto",
"cust_id": "CUST-ca-masked-auto",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-03-10",
"final_premium_cents": 147023,
"first_name": "Priya",
"last_name": "Anand"
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"cust_id": "CUST-fl-coastal-home",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-04-01",
"final_premium_cents": 526797,
"first_name": "Gloria",
"last_name": "Esposito"
},
{
"policy_id": "POL-legacy-mismatch-p_auto",
"cust_id": "CUST-legacy-mismatch",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-20",
"final_premium_cents": 120468,
"first_name": "Raymond",
"last_name": "Castillo"
},
{
"policy_id": "POL-ne-auto-pref-p_auto",
"cust_id": "CUST-ne-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-10",
"final_premium_cents": 114557,
"first_name": "Eleanor",
"last_name": "Whitfield"
},
{
"policy_id": "POL-se-auto-pref-p_auto",
"cust_id": "CUST-se-auto-pref",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-15",
"final_premium_cents": 72643,
"first_name": "Travis",
"last_name": "Boudreaux"
},
{
"policy_id": "POL-life-suitable-p_life",
"cust_id": "CUST-life-suitable",
"line": "LIFE_W",
"status": "ACTIVE",
"rating_as_of": "2025-03-05",
"final_premium_cents": 185212,
"first_name": "Eleanor",
"last_name": "Whitmore"
},
{
"policy_id": "POL-life-missale-p_life",
"cust_id": "CUST-life-missale",
"line": "LIFE_W",
"status": "ACTIVE",
"rating_as_of": "2025-04-18",
"final_premium_cents": 99100,
"first_name": "Curtis",
"last_name": "Boyd"
},
{
"policy_id": "POL-retention-target-p_auto",
"cust_id": "CUST-retention-target",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-05-01",
"final_premium_cents": 91350,
"first_name": "Tanya",
"last_name": "Brooks"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_auto",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-01-20",
"final_premium_cents": 89796,
"first_name": "Harold",
"last_name": "Nyberg"
},
{
"policy_id": "POL-loyalty-oldgrowth-p_pet",
"cust_id": "CUST-loyalty-oldgrowth",
"line": "PET",
"status": "ACTIVE",
"rating_as_of": "2025-01-20",
"final_premium_cents": 56117,
"first_name": "Harold",
"last_name": "Nyberg"
},
{
"policy_id": "POL-umbrella-plus-p_auto",
"cust_id": "CUST-umbrella-plus",
"line": "AUTO",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"final_premium_cents": 86310,
"first_name": "Vincent",
"last_name": "Okonkwo"
},
{
"policy_id": "POL-umbrella-plus-p_home",
"cust_id": "CUST-umbrella-plus",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"final_premium_cents": 244175,
"first_name": "Vincent",
"last_name": "Okonkwo"
},
{
"policy_id": "POL-umbrella-plus-p_umbr",
"cust_id": "CUST-umbrella-plus",
"line": "UMBR",
"status": "ACTIVE",
"rating_as_of": "2025-02-10",
"final_premium_cents": 27870,
"first_name": "Vincent",
"last_name": "Okonkwo"
}
],
"row_count": 16,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, c.first_name, c.last_name, d…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, c.first_name, c.last_name, d.type, d.roof_age, d.construction, d.year_built, d.replacement_cost_cents, d.protection_class FROM policies p JOIN customers c ON c.cust_id = p.cust_id JOIN policy_objects po ON po.policy_id = p.policy_id AND po.object_type = 'dwelling' JOIN dwellings d ON d.dwelling_id = po.object_id WHERE p.line = 'HOME' AND p.status = 'ACTIVE'"
}{
"rows": [
{
"policy_id": "POL-nest-household-p_home",
"cust_id": "CUST-nest-household",
"line": "HOME",
"status": "ACTIVE",
"first_name": "Marisol",
"last_name": "Trujillo",
"type": "home",
"roof_age": 11,
"construction": "MASONRY",
"year_built": 2006,
"replacement_cost_cents": 38000000,
"protection_class": 4
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"cust_id": "CUST-fl-coastal-home",
"line": "HOME",
"status": "ACTIVE",
"first_name": "Gloria",
"last_name": "Esposito",
"type": "home",
"roof_age": 6,
"construction": "MASONRY",
"year_built": 1998,
"replacement_cost_cents": 52000000,
"protection_class": 5
},
{
"policy_id": "POL-umbrella-plus-p_home",
"cust_id": "CUST-umbrella-plus",
"line": "HOME",
"status": "ACTIVE",
"first_name": "Vincent",
"last_name": "Okonkwo",
"type": "home",
"roof_age": 8,
"construction": "MASONRY",
"year_built": 2010,
"replacement_cost_cents": 61000000,
"protection_class": 3
}
],
"row_count": 3,
"truncated": false
}⚙ search_kb(roof replacement credit homeowners policy roof age credit underwriting docume…)
{
"query": "roof replacement credit homeowners policy roof age credit underwriting documentation home roof age discount replacement roof update",
"limit": 5
}{
"results": [
{
"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-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-UMBR-UNDERLYING",
"title": "Umbrella requires an underlying policy",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"UMBR\"]}",
"snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\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"
}
]
}I can update the home record for a roof replacement, but I need to identify the exact policy first so I quote the correct new premium.
From the records I can see three active home policies in the system. If this is your policy, please send me either:
- the policy number, or
- your full name and the property address on the policy
Once I have that, I’ll update the dwelling facts and give you the recalculated premium.
Customer
My name is Gloria Esposito and the address is 12 Mangrove Way, Naples, FL 34102.
Agent
88k in · 679 out · $0.01 · 10.1s⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.address_id, a.line1, a.city, a…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.address_id, a.line1, a.city, a.state, a.zip FROM customers c LEFT JOIN addresses a ON a.address_id = c.address_id WHERE c.first_name = 'Gloria' AND c.last_name = 'Esposito'"
}{
"rows": [
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"address_id": "ADDR-fl-coastal-home",
"line1": "12 Mangrove Way",
"city": "Naples",
"state": "FL",
"zip": "34102"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_prem…)
{
"sql": "SELECT p.policy_id, p.cust_id, p.line, p.status, p.rating_as_of, p.final_premium_cents, d.dwelling_id, d.roof_age, d.construction, d.year_built, d.replacement_cost_cents, a.line1, a.city, a.state, a.zip FROM policies p JOIN policy_objects po ON po.policy_id = p.policy_id AND po.object_type='dwelling' JOIN dwellings d ON d.dwelling_id = po.object_id JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.line='HOME' AND p.status='ACTIVE' AND c.first_name='Gloria' AND c.last_name='Esposito'"
}{
"rows": [
{
"policy_id": "POL-fl-coastal-home-p_home",
"cust_id": "CUST-fl-coastal-home",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-04-01",
"final_premium_cents": 526797,
"dwelling_id": "DWL-fl-coastal-home-d1",
"roof_age": 6,
"construction": "MASONRY",
"year_built": 1998,
"replacement_cost_cents": 52000000,
"line1": "12 Mangrove Way",
"city": "Naples",
"state": "FL",
"zip": "34102"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, cust_id, line, status, rating_as_of, final_premium_cents FR…)
{
"sql": "SELECT policy_id, cust_id, line, status, rating_as_of, final_premium_cents FROM policies WHERE line='HOME' AND status='ACTIVE' AND cust_id = 'CUST-fl-coastal-home'"
}{
"rows": [
{
"policy_id": "POL-fl-coastal-home-p_home",
"cust_id": "CUST-fl-coastal-home",
"line": "HOME",
"status": "ACTIVE",
"rating_as_of": "2025-04-01",
"final_premium_cents": 526797
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT k.doc_id, k.title, k.snippet FROM (SELECT doc_id, title, substr(body_m…)
{
"sql": "SELECT k.doc_id, k.title, k.snippet FROM (SELECT doc_id, title, substr(body_md,1,500) AS snippet FROM kb_documents) k WHERE k.title LIKE '%roof%' OR k.body_md LIKE '%roof replacement%' OR k.body_md LIKE '%roof credit%' LIMIT 10"
}{
"error": "sql_error",
"detail": "no such column: k.body_md"
}⚙ search_kb(roof replacement roof credit homeowners dwelling roof age underwriting credit…)
{
"query": "roof replacement roof credit homeowners dwelling roof age underwriting credit",
"limit": 10
}{
"results": [
{
"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-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-CA-RATING",
"title": "CA: prohibited auto rating factors",
"category": "COMPLIANCE",
"applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
"snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\n"
},
{
"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-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-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-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-AUTO-GAP",
"title": "GAP coverage eligibility",
"category": "UNDERWRITING",
"applies_to": "{\"lines\": [\"AUTO\"]}",
"snippet": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\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…"
}
]
}⚙ query_db(SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line=…)
{
"sql": "SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE line='HOME' ORDER BY coverage_id"
}{
"rows": [
{
"coverage_id": "HOME:CONTENTS",
"code": "CONTENTS",
"label": "Personal Property (Coverage C)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:DEDUCT",
"code": "DEDUCT",
"label": "All-Peril Deductible",
"kind": "deductible",
"unit": "usd",
"notes": "Falls by tier."
},
{
"coverage_id": "HOME:DWELL",
"code": "DWELL",
"label": "Dwelling (Coverage A)",
"kind": "limit",
"unit": "usd",
"notes": "Based on replacement cost."
},
{
"coverage_id": "HOME:LIAB",
"code": "LIAB",
"label": "Personal Liability (Coverage E)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:LOSS_USE",
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:MEDPAY",
"code": "MEDPAY",
"label": "Medical Payments (Coverage F)",
"kind": "limit",
"unit": "usd",
"notes": null
},
{
"coverage_id": "HOME:OTHER_STR",
"code": "OTHER_STR",
"label": "Other Structures (Coverage B)",
"kind": "limit",
"unit": "usd",
"notes": "Typically a % of dwelling."
},
{
"coverage_id": "HOME:ROOF_ACV",
"code": "ROOF_ACV",
"label": "Roof Actual-Cash-Value Schedule",
"kind": "flag",
"unit": "bool",
"notes": "Older-roof endorsement; pays ACV not replacement."
},
{
"coverage_id": "HOME:SERVICE_LN",
"code": "SERVICE_LN",
"label": "Service Line",
"kind": "flag",
"unit": "bool",
"notes": null
},
{
"coverage_id": "HOME:WATER_BACK",
"code": "WATER_BACK",
"label": "Water Backup",
"kind": "limit",
"unit": "usd",
"notes": "Sewer/sump backup endorsement."
},
{
"coverage_id": "HOME:WIND_HAIL",
"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": 11,
"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"
}⚙ query_db(SELECT coverage_id, value, premium_contribution_cents FROM policy_coverages W…)
{
"sql": "SELECT coverage_id, value, premium_contribution_cents FROM policy_coverages WHERE policy_id='POL-fl-coastal-home-p_home' ORDER BY coverage_id"
}{
"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
}⚙ price_check(POL-fl-coastal-home-p_home, 2025-06-01)
{
"policy_id": "POL-fl-coastal-home-p_home",
"as_of": "2025-06-01"
}{
"as_of": "2025-06-01",
"facts": {
"line": "HOME",
"tier": "SEQUOIA",
"region": "R-SE",
"state": "FL",
"term_months": 12,
"peico_risk": 715,
"age": 55,
"billing_plan": "INSTALLMENTS",
"autopay": true,
"paperless": true,
"loyalty_tier": "Timber",
"status": "CUSTOMER",
"has_bundle": false,
"active_lines": 1,
"is_new_first_policy": false,
"promo_code": null,
"coverages": [
"SERVICE_LN",
"WATER_BACK"
],
"replacement_cost": 520000,
"roof_age": 6,
"construction": "MASONRY",
"protection_class": 5,
"dist_to_coast_mi": 2,
"wind_hail_deductible": 0.01
},
"base_premium_cents": 574173,
"final_premium_cents": 526797,
"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=6 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 490854
},
{
"step": "RISK",
"code": "factor:construction",
"detail": "construction=MASONRY ×0.95",
"factor": 0.95,
"amount_cents": null,
"running_cents": 466311
},
{
"step": "RISK",
"code": "factor:protection_class",
"detail": "protection_class=5 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 466311
},
{
"step": "RISK",
"code": "factor:dist_to_coast_mi",
"detail": "dist_to_coast_mi=2 ×1.2",
"factor": 1.2,
"amount_cents": null,
"running_cents": 559573
},
{
"step": "RISK",
"code": "factor:risk_score",
"detail": "risk_score=715 ×1.0",
"factor": 1,
"amount_cents": null,
"running_cents": 559573
},
{
"step": "RISK",
"code": "wind_hail_ded",
"detail": "wind/hail ded 0.01 ×1.0",
"factor": 1,
"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": "−$25",
"factor": null,
"amount_cents": -2500,
"running_cents": 571673
},
{
"step": "DISCOUNT",
"code": "AUTOPAY",
"detail": "−3%",
"factor": 0.97,
"amount_cents": null,
"running_cents": 554523
},
{
"step": "DISCOUNT",
"code": "LOYALTY",
"detail": "−5%",
"factor": 0.95,
"amount_cents": null,
"running_cents": 526797
}
]
}I found your homeowners policy: POL-fl-coastal-home-p_home.
Your current premium is $5,267.97, and the rating engine shows the roof age is already 6 years with the current dwelling facts on file. A roof replacement can change the premium only if the dwelling record’s roof age or related roofing facts are updated.
If you want, I can update the dwelling record now to reflect the new roof and then reprice the policy so you can see the new premium.
Customer
Yes, please do that. I have the contractor's certificate of completion from last week showing the roof is brand new, so go ahead and update it.
Agent
43k in · 196 out · $0.0066 · 3.5s⚙ 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"
}⚙ query_db(SELECT policy_id FROM policies WHERE policy_id='POL-fl-coastal-home-p_home' A…)
{
"sql": "SELECT policy_id FROM policies WHERE policy_id='POL-fl-coastal-home-p_home' AND status='ACTIVE'"
}{
"rows": [
{
"policy_id": "POL-fl-coastal-home-p_home"
}
],
"row_count": 1,
"truncated": false
}⚙ reprice_policy(POL-fl-coastal-home-p_home, 2025-06-01)
{
"policy_id": "POL-fl-coastal-home-p_home",
"as_of": "2025-06-01"
}{
"ok": true,
"as_of": "2025-06-01",
"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": {
"rating_as_of": [
"2025-04-01",
"2025-06-01"
],
"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}]"
]
}
}
]
}
}
}Done — I updated the roof age to brand new and repriced your homeowners policy.
Your new premium is $4,855.46, down from $5,267.97.
If you’d like, I can also review whether the wind/hail deductible or any other home coverages should be adjusted while we’re here.
Customer
That's great, thank you! I appreciate the update and the new premium. I don't need anything else changed on the policy right now. Thanks for taking care of this for me.
Agent
33k in · 47 out · $0.0032 · 2.3s⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — I’m glad we could get that updated for you. Thanks for being a PEICO customer, and have a great day!