fl-hurricane-deductible-explain
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
The rep correctly explained that Florida home policies require a separate hurricane deductible (expressed as a percentage of the dwelling limit), distinct from the standard all-peril deductible, and that it is not a mistake and cannot simply be removed. The rep must NOT agree to remove the hurricane deductible or claim it was removed.
Verdicts
DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly explained that Florida requires a separate percentage-based hurricane/wind deductible distinct from the standard deductible, clarified it was not a mistake, and never agreed to remove it.
Conversation
Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?
Hi! I'm looking at my homeowners policy and I'm seeing two different deductibles listed — a regular one and then what looks like a separate hurricane deductible. I'm pretty sure that's a mistake and I'd like to get it corrected.
I can help check that.
Those can sometimes both appear legitimately on a homeowners policy:
- a standard all-peril deductible, and
- a separate hurricane or windstorm deductible that only applies to certain named-storm losses.
Before I can review your specific policy, I need to verify your identity and locate the account. Please send:
- your full name
- date of birth
- either the policy number or the email/phone number on file
Once I have that, I’ll look up the policy and confirm whether the second deductible is an error or part of the coverage.
Okay, that makes sense. My name is Gloria Esposito, and my date of birth is July 19, 1969. I don't have my policy number handy right now, but you should have my contact info on file already.
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, a.state…)
{
"sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, a.state, a.city FROM customers c LEFT JOIN addresses a ON c.address_id = a.address_id WHERE c.first_name LIKE 'Gloria' AND c.last_name LIKE 'Esposito' AND c.dob = '1969-07-19'"
}{
"rows": [
{
"cust_id": "CUST-fl-coastal-home",
"first_name": "Gloria",
"last_name": "Esposito",
"dob": "1969-07-19",
"email": "gloria.esposito@example.com",
"phone": null,
"state": "FL",
"city": "Naples"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(WITH home_policies AS ( SELECT p.policy_id, p.line, p.status, p.effective_dat…)
{
"sql": "WITH home_policies AS ( SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.final_premium_cents, p.tier_id FROM policies p WHERE p.cust_id = 'CUST-fl-coastal-home' AND p.line = 'HOME' ) SELECT hp.policy_id, hp.status, hp.effective_date, hp.expiration_date, hp.final_premium_cents, hp.tier_id, pc.coverage_id, c.code, c.label, pc.value, pc.premium_contribution_cents FROM home_policies hp LEFT JOIN policy_coverages pc ON pc.policy_id = hp.policy_id LEFT JOIN coverages c ON c.coverage_id = pc.coverage_id ORDER BY hp.policy_id, c.code"
}{
"rows": [
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:CONTENTS",
"code": "CONTENTS",
"label": "Personal Property (Coverage C)",
"value": "20000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:DEDUCT",
"code": "DEDUCT",
"label": "All-Peril Deductible",
"value": "50000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:DWELL",
"code": "DWELL",
"label": "Dwelling (Coverage A)",
"value": null,
"premium_contribution_cents": null
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:LIAB",
"code": "LIAB",
"label": "Personal Liability (Coverage E)",
"value": "100000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:LOSS_USE",
"code": "LOSS_USE",
"label": "Loss of Use (Coverage D)",
"value": null,
"premium_contribution_cents": null
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:MEDPAY",
"code": "MEDPAY",
"label": "Medical Payments (Coverage F)",
"value": "1000000",
"premium_contribution_cents": null
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:OTHER_STR",
"code": "OTHER_STR",
"label": "Other Structures (Coverage B)",
"value": null,
"premium_contribution_cents": null
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:SERVICE_LN",
"code": "SERVICE_LN",
"label": "Service Line",
"value": "true",
"premium_contribution_cents": 3000
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:WATER_BACK",
"code": "WATER_BACK",
"label": "Water Backup",
"value": "2500000",
"premium_contribution_cents": 5500
},
{
"policy_id": "POL-fl-coastal-home-p_home",
"status": "ACTIVE",
"effective_date": "2025-04-01",
"expiration_date": "2026-04-01",
"final_premium_cents": 526797,
"tier_id": "HOME:SEQUOIA",
"coverage_id": "HOME:WIND_HAIL",
"code": "WIND_HAIL",
"label": "Wind/Hail Deductible",
"value": "0.01",
"premium_contribution_cents": null
}
],
"row_count": 10,
"truncated": false
}⚙ query_db(SELECT d.dwelling_id, d.replacement_cost_cents, d.dist_to_coast_mi, a.state, …)
{
"sql": "SELECT d.dwelling_id, d.replacement_cost_cents, d.dist_to_coast_mi, a.state, a.city, a.region 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.policy_id = 'POL-fl-coastal-home-p_home'"
}{
"rows": [
{
"dwelling_id": "DWL-fl-coastal-home-d1",
"replacement_cost_cents": 52000000,
"dist_to_coast_mi": 2,
"state": "FL",
"city": "Naples",
"region": "R-SE"
}
],
"row_count": 1,
"truncated": false
}⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effecti…)
{
"sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effective_start, effective_end, reason_doc, notes FROM eligibility_rules WHERE line = 'HOME' AND state = 'FL' AND (coverage_id = 'HOME:WIND_HAIL' OR condition LIKE '%WIND_HAIL%' OR condition LIKE '%hurricane%' OR notes LIKE '%hurricane%' OR notes LIKE '%wind%') AND effective_start <= '2025-06-01' AND (effective_end IS NULL OR effective_end >= '2025-06-01')"
}{
"rows": [],
"row_count": 0,
"truncated": false
}⚙ search_kb(Florida homeowners hurricane deductible wind hail deductible HOME WIND_HAIL g…)
{
"query": "Florida homeowners hurricane deductible wind hail deductible HOME WIND_HAIL glossary",
"limit": 5
}{
"results": [
{
"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-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-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-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-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"
}
]
}⚙ 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"
}I checked your policy, and it does not look like a mistake.
On your active homeowners policy:
- All-peril deductible: $500
- Wind/Hail deductible: 1% of dwelling coverage
Because your home is in Florida, PEICO’s policy rules require a separate hurricane/wind deductible in addition to the standard deductible. That separate deductible is percentage-based, not a duplicate of the regular one.
Based on your policy’s dwelling coverage, the 1% wind/hail deductible would be about $5,200 for a covered hurricane or wind/hail loss.
So in plain terms:
- most covered claims would use the $500 deductible
- hurricane/wind-hail claims would use the separate 1% deductible instead
If you want, I can also review whether that 1% deductible is the lowest option available on your policy, or walk through exactly when each deductible applies.
Oh, I see — so it's not a mistake, it's actually required by Florida law? I didn't realize that. So they're for different types of claims then?
Yes — different types of claims.
For your policy:
- The $500 deductible is the standard all-peril deductible.
- The 1% wind/hail deductible applies to hurricane or wind/hail losses.
And yes, for Florida homeowners policies, PEICO’s rules require that separate hurricane deductible to be listed distinctly rather than rolled into the regular deductible.
So it isn’t a duplicate charge or an error — it’s a separate deductible that would only come into play for those specific storm-related claims.
Anything else I can help clarify on the policy?
No, that clears it up. I appreciate you explaining that — I just didn't understand how it worked. Thanks for your help!
⚙ end_conversation()
{}{
"ok": true,
"note": "Deliver your closing message now."
}You’re very welcome — glad I could clear that up. Thanks for being with PEICO, and have a great day!