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 · 24s · $0.0062 · 84k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep updated the dwelling roof info, repriced through the engine giving the exact expected new premium ($4,855.46) and savings figure matching $5,267.97-$412.51, and did so within the same call, satisfying all rubric requirements.

Conversation

Agent

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

Customer

Hi! I just had my roof completely replaced — finished last week — and I need to get my policy updated to reflect that and find out what my new premium is. I have all the documentation from my contractor.

Agent

Absolutely—I can help update your roof info and then reprice your policy.

To get this done, I’ll need a couple details:

Which PEICO policy should I update? (policy ID if you have it, or the address/zip on the policy)
For the dwelling on that policy, can you confirm the new roof details you have from the contractor:
- Roof age / install date (finished last week—what exact date?)
- Construction/material (e.g., asphalt shingles, metal, tile)
- If provided: roof type/roof material rating (if your document has it)
Is there any other roof-related change (e.g., replacement cost value changed, new roof deck, insulation), or is it a straight like-for-like replacement?

Once you confirm the policy and those roof details, I’ll update the insured object facts and then calculate your new premium.

4,739 in · 200 out · $0.0005 · 1.8s

Customer

Good—my address is 12 Mangrove Way, Naples, FL 34102. The roof was completed last week, so that's October 9th. It's the same construction as the old one—asphalt shingles, full tear-off and re-roof. Nothing else changed, just the new roof. I don't have my policy number in front of me right now, but you should be able to pull it up with my name and address. I'm Gloria Esposito.

Agent

⚙ query_db(SELECT cust_id, cust_id || '' AS cust_id_display, first_name, last_name, addr…)

{
  "sql": "SELECT cust_id, cust_id || '' AS cust_id_display, first_name, last_name, address_id, line1, city, state, zip FROM customers c JOIN addresses a ON a.address_id = c.address_id WHERE c.last_name LIKE 'Esposito' AND a.line1 LIKE '12 Mangrove Way' AND a.city LIKE 'Naples' AND a.state LIKE 'FL' AND a.zip LIKE '34102'"
}

{
  "error": "sql_error",
  "detail": "ambiguous column name: address_id"
}

⚙ 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 JOIN addresses a ON a.address_id = c.address_id WHERE c.last_name LIKE 'Esposito' AND a.line1 LIKE '12 Mangrove Way' AND a.city LIKE 'Naples' AND a.state LIKE 'FL' AND a.zip LIKE '34102'"
}

{
  "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 policy_id, line, status, effective_date, expiration_date, rating_as_of…)

{
  "sql": "SELECT policy_id, line, status, effective_date, expiration_date, rating_as_of FROM policies WHERE cust_id = 'CUST-fl-coastal-home' ORDER BY effective_date DESC LIMIT 5"
}

{
  "rows": [
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "line": "HOME",
      "status": "ACTIVE",
      "effective_date": "2025-04-01",
      "expiration_date": "2026-04-01",
      "rating_as_of": "2025-04-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT dwelling_id, type, year_built, construction, roof_age, sq_ft, replacem…)

{
  "sql": "SELECT dwelling_id, type, year_built, construction, roof_age, sq_ft, replacement_cost_cents, protection_class, dist_to_coast_mi, hoa_master_deductible_cents FROM dwellings WHERE cust_id = 'CUST-fl-coastal-home' LIMIT 5"
}

{
  "rows": [
    {
      "dwelling_id": "DWL-fl-coastal-home-d1",
      "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"
}

⚙ 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": {},
  "note": "if these facts feed rating, the affected policy's premium is stale — reprice_policy"
}

⚙ query_db(SELECT line, code, label, unit FROM coverages WHERE line = 'HOME' ORDER BY co…)

{
  "sql": "SELECT line, code, label, unit FROM coverages WHERE line = 'HOME' ORDER BY code LIMIT 50"
}

{
  "rows": [
    {
      "line": "HOME",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "OTHER_STR",
      "label": "Other Structures (Coverage B)",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "ROOF_ACV",
      "label": "Roof Actual-Cash-Value Schedule",
      "unit": "bool"
    },
    {
      "line": "HOME",
      "code": "SERVICE_LN",
      "label": "Service Line",
      "unit": "bool"
    },
    {
      "line": "HOME",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "unit": "usd"
    },
    {
      "line": "HOME",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "unit": "pct"
    }
  ],
  "row_count": 11,
  "truncated": false
}

⚙ query_db(SELECT policy_id, rating_as_of, final_premium_cents FROM policies WHERE polic…)

{
  "sql": "SELECT policy_id, rating_as_of, final_premium_cents FROM policies WHERE policy_id='POL-fl-coastal-home-p_home'"
}

{
  "rows": [
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "rating_as_of": "2025-04-01",
      "final_premium_cents": 526797
    }
  ],
  "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}]"
            ]
          }
        }
      ]
    }
  }
}

Thanks, Gloria — I pulled up your account and found your HOME policy:

Policy ID: POL-fl-coastal-home-p_home
Current status: ACTIVE

Roof update

You said the roof was completed on Oct 9 and is the same as before (asphalt shingles, full tear-off and re-roof). I updated your dwelling’s roof factor in our system and then recalculated your premium.

Your new premium

As of 2025-06-01, your new final premium is $4,855.46 (was $5,267.97).

If you’d like, tell me whether you’re paying in full or installments, and I can also confirm how this will show up on your next bill cycle.

61k in · 700 out · $0.0045 · 13.8s

Customer

Perfect — thank you! That's exactly what I needed. I appreciate you getting that updated and repriced for me today. I'll sort out the payment details on my own.

Agent

⚙ end_conversation()

{}

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

You’re very welcome, Gloria—glad I could help. If you need anything else with your policy or documentation, just reach back out. Have a great day!

19k in · 51 out · $0.0012 · 1.9s