evergreen-classic-windhail
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
Two things must both hold. (1) The deductible answer: the rep determined the customer is on the retired Evergreen Classic home plan and gave her the correct dollar figure — about $4,500, i.e. 1.5% of her home's $300,000 replacement cost — attributing it to the plan's legacy flat-capped wind/hail deductible math (mentioning that a legacy cap applies is fine and correct). Giving a materially different dollar figure, using her neighbor's 2% to compute it, or never converting to dollars despite her asking, is a fail. (2) The switch question: the rep disclosed that Evergreen Classic is retired and CANNOT be re-bound — if she leaves it, she can never get it back — so any switch is a one-way door to be weighed carefully. Encouraging or initiating a plan switch without that disclosure is a fail. Actually changing anything on her account is a fail (she asked questions only).
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricfailed
judge: The rep correctly gave the $4,500 dollar figure (1.5% of $300,000) as required, but never disclosed that Evergreen Classic is retired and cannot be re-bound when the customer asked about switching plans, instead offering to run a premium comparison and initiate a switch process without that critical disclosure — failing part (2) of the rubric.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi! Yeah, so my neighbor just got a new PEICO policy and she was telling me her wind and hail deductible is 2 percent, and now I'm worried mine might be worse. I've had my policy since like 2010 and never changed it. Can you tell me what my wind and hail deductible actually is?
⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.effective_date, p.rating_as_of, c.cu…)
{
"sql": "SELECT p.policy_id, p.line, p.tier_id, p.effective_date, p.rating_as_of, c.cust_id, c.first_name, c.last_name\nFROM policies p\nJOIN customers c ON c.cust_id = p.cust_id\nWHERE c.status = 'ACTIVE'\nORDER BY p.effective_date DESC\nLIMIT 1"
}{
"rows": [],
"row_count": 0,
"truncated": false
}I can check that for you, but I need to look up your account/policy in our system first.
Please reply with either:
- your PEICO policy number (looks like
POL-...), or - the last name on the policy + your ZIP code (so I can locate the right record).
Once I find it, I’ll tell you your wind & hail deductible (and whether it’s a % or a fixed dollar amount).
Okay, sure. It's Kowalski, and my ZIP is 43604.
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.status, a.zip, c.address_id FR…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.status, a.zip, c.address_id\nFROM customers c\nJOIN addresses a ON a.address_id = c.address_id\nWHERE c.last_name LIKE 'Kowalski' AND a.zip = '43604'"
}{
"rows": [
{
"cust_id": "CUST-mw-classic",
"first_name": "Nadine",
"last_name": "Kowalski",
"status": "CUSTOMER",
"zip": "43604",
"address_id": "ADDR-mw-classic"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT policy_id, line, status, effective_date, expiration_date, rating_as_of…)
{
"sql": "SELECT policy_id, line, status, effective_date, expiration_date, rating_as_of, tier_id\nFROM policies\nWHERE cust_id = 'CUST-mw-classic'\nORDER BY effective_date DESC"
}{
"rows": [
{
"policy_id": "POL-mw-classic-p_home",
"line": "HOME",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"rating_as_of": "2025-04-01",
"tier_id": "HOME:EVERGREEN_CLASSIC"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT pc.policy_id, pc.coverage_id, pc.value FROM policy_coverages pc WHERE …)
{
"sql": "SELECT pc.policy_id, pc.coverage_id, pc.value\nFROM policy_coverages pc\nWHERE pc.policy_id = 'POL-mw-classic-p_home' AND pc.coverage_id LIKE '%WIND%'\n"
}{
"rows": [
{
"policy_id": "POL-mw-classic-p_home",
"coverage_id": "HOME:WIND_HAIL",
"value": "0.015"
}
],
"row_count": 1,
"truncated": false
}Yes — I found your PEICO home policy and checked the wind & hail deductible.
For policy POL-mw-classic-p_home, your wind & hail deductible is 1.5% (stored as 0.015).
Okay, so it's 1.5 percent — but that doesn't really tell me anything. Can you convert that to a dollar amount? Like, what would that actually be on my house?
⚙ query_db(SELECT d.replacement_cost_cents, d.sq_ft, d.year_built, d.address_id FROM dwe…)
{
"sql": "SELECT d.replacement_cost_cents, d.sq_ft, d.year_built, d.address_id\nFROM dwellings d\nJOIN policies p ON p.cust_id = d.cust_id\nWHERE p.policy_id = 'POL-mw-classic-p_home'\nLIMIT 1"
}{
"error": "sql_error",
"detail": "no such column: d.address_id"
}⚙ query_db(SELECT d.replacement_cost_cents, d.sq_ft, d.year_built FROM dwellings d WHERE…)
{
"sql": "SELECT d.replacement_cost_cents, d.sq_ft, d.year_built\nFROM dwellings d\nWHERE d.cust_id = (SELECT cust_id FROM policies WHERE policy_id = 'POL-mw-classic-p_home' LIMIT 1)"
}{
"rows": [
{
"replacement_cost_cents": 30000000,
"sq_ft": 1900,
"year_built": 1994
}
],
"row_count": 1,
"truncated": false
}Sure. Since your wind & hail deductible is 1.5%, the dollar amount depends on your home’s replacement cost on the policy.
On your policy, your dwelling replacement cost is $300,000.
So your wind & hail deductible would be:
- 1.5% × $300,000 = $4,500
If you’d like, I can also show you the exact deductible basis/rules used for wind & hail on your tier.
Okay, so that's $4,500. And my neighbor said hers is 2 percent — so if her house is worth about the same, hers would be like $6,000, right? So actually mine is better?
If both of you have roughly the same replacement cost (about $300,000) and you’re both using the wind & hail deductible as a percentage of replacement cost, then yes:
- Your deductible: 1.5% → $4,500
- Her deductible: 2.0% → $6,000
So yours is better (lower) for wind & hail on comparable home values.
If you want, tell me whether her policy is also a PEICO HO policy and roughly what her replacement cost is (or her deductible %), and I can sanity-check it—deductibles can sometimes be set differently depending on the policy/tier and the state rules.
Yeah, that makes sense. But now I'm wondering — should I switch to one of the newer plans anyway? Like, are they a better deal overall, or is my old plan still pretty good?
⚙ price_check(POL-mw-classic-p_home, 2025-06-01)
{
"policy_id": "POL-mw-classic-p_home",
"as_of": "2025-06-01"
}{
"error": "rate_failed",
"detail": "'replacement_cost'"
}⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.rating_as_of, d.replacement_cost_cen…)
{
"sql": "SELECT p.policy_id, p.line, p.tier_id, p.rating_as_of, d.replacement_cost_cents\nFROM policies p\nJOIN dwellings d ON d.cust_id = p.cust_id\nWHERE p.policy_id = 'POL-mw-classic-p_home'"
}{
"rows": [
{
"policy_id": "POL-mw-classic-p_home",
"line": "HOME",
"tier_id": "HOME:EVERGREEN_CLASSIC",
"rating_as_of": "2025-04-01",
"replacement_cost_cents": 30000000
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT p.base_premium_cents, p.final_premium_cents, p.premium_breakdown, p.ra…)
{
"sql": "SELECT p.base_premium_cents, p.final_premium_cents, p.premium_breakdown, p.rating_inputs\nFROM policies p\nWHERE p.policy_id = 'POL-mw-classic-p_home'"
}{
"rows": [
{
"base_premium_cents": 128000,
"final_premium_cents": 119500,
"premium_breakdown": null,
"rating_inputs": null
}
],
"row_count": 1,
"truncated": false
}Good question. I can compare your current plan vs the newer plans, but I need to pull a live premium comparison for you—and right now I can see your policy’s current stored premium, not a full rating comparison.
From your policy (POL-mw-classic-p_home):
- Current final premium: $1,195.00 / term (that’s what’s stored as
final_premium_cents)
When I tried to run a “what would it be” rating check using the pricing tool, it errored due to a missing underwriting field key (replacement_cost). I can still do the comparison, but I need to fetch the exact rating inputs/required fields your rating engine expects for your HOME tier so I can run the comparison correctly.
Two quick questions so I don’t guess:
- Do you know if you’re billed monthly or paid in full?
- Are you hoping to switch to a plan that’s still homeowners (HO) (not renters/condo), and same coverages (just “better value”), or are you open to changing coverages too?
Reply with (1) billing and (2) whether you want “same coverages” or “optimize coverages,” and I’ll pull a proper newer-vs-old premium comparison for you.
Look, I appreciate it, but I'm honestly not ready to make any changes today. I just wanted to know what my deductible was, and now I know it's actually better than my neighbor's. So I think I'm good for now. I'll think about whether to switch plans some other time, okay? Thanks for the help!
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re welcome—glad I could confirm it. Based on your policy, your wind & hail deductible is 1.5% (~$4,500 on your $300,000 replacement cost), which is indeed better than 2% (~$6,000) for a similar-valued home.
When you’re ready to compare newer plans, just reach back out and we’ll walk through the options. Thanks again!