LEAD-2026-0418

80% confidence ? · rec: refer▶ View workflow run

Runbook play: Swimming Pools— Nova recommends Review & approve

judgment: electrical

Swimming PoolsRoof ClassElectrical SystemsPlumbingFire Protection & Defensible Space

broker tier-2judgment: electrical45 provided · 15 service-filled · 5 to ask

playbook:

🔒 Approval locked27 items still to resolve — 10 PlanDesign fields · 17 open items. Fill each with a source + reasoning (Nova learns from every fix) to unlock approval.

Property Address

1240 Ridgecrest Rd

City

Naples

State

Coverage A (Dwelling)

650000

Year Built

1921

Nova AI underwriting copilotProvisions — decide, and teach me as you go

Acting as

Every provision is a decision I learn from. Approve, change the value, waive, or request it from the customer — with the source and your reasoning. I capture each one to my vector memory attributed to you (a full audit trail), and I use it to make a sharper per-provision recommendation next time.

5 clean · folded

Decision-tree outcomesthe DB rule engine’s per-point verdicts (clear / refer / decline)5 points · 3 to review

UW Decisions · 2 clear · 3 need attention · from decision_rules (DB)

⚠ Triage — missing infoSwimming PoolsProperty

A rule that would decide Swimming Pools is blocked by missing input(s): Pool Security.

✉ email producer: Pool Security

◐ Refer to UWElectrical SystemsConstructionrule: Knob & tube wiring

Knob-and-tube wiring present — refer to UW; typically requires full rewire evidence or decline.

evidence: electrical inspection report, rewire permit / invoice

⚠ Triage — missing infoPlumbingPlumbing

A rule that would decide Plumbing is blocked by missing input(s): Water Heater Type, Water Heater Age (years), Water Heater Location.

✉ email producer: Water Heater Type✉ email producer: Water Heater Age (years)✉ email producer: Water Heater Location

Item-level approvals & request-info17 open · 0 approved · 0 unselected — bulk approve or compose the applicant ask17 items · 6 to ask

17 open · 0 approved · 0 unselected

Replacement Cost (Dwelling)97%

UW AI Agent

replacement_cost = 1342000

Source text

“prefill (assessor)”

— autofill

Siding Material92%

UW AI Agent

siding_material = Vinyl

Source text

“prefill (aerial)”

— autofill

Year Roof Replaced54%

UW AI Agent

roof_replacement_year = 2014

Source text

“resolved by agent”

— applicant reply

Roof Surface Material92%

UW AI Agent

roof_material = Concrete Tile

Source text

“prefill (aerial)”

— autofill

Has Knob-and-Tube Wiring54%

UW AI Agent

has_knob_and_tube_wiring = true

Source text

“resolved by agent”

— applicant reply

Electrical Panel Size (amps)92%

UW AI Agent

electrical_panel_size_amps = 100

Source text

“prefill (permits)”

— autofill

General Plumbing Age (years)92%

UW AI Agent

plumbing_age_years = 22

Source text

“prefill (permits)”

— autofill

Miles to Fire Department97%

UW AI Agent

distance_to_fire_department = 2.1

Source text

“prefill (hazard)”

— autofill

Distance to Nearest Fire Hydrant (Feet)97%

UW AI Agent

dist_to_nearest_fire_hydrant = 420

Source text

“prefill (hazard)”

— autofill

Road Access to Home97%

UW AI Agent

road_access = Narrow paved

Source text

“prefill (hazard)”

— autofill

ISO Protection Class (PPC)97%

UW AI Agent

protection_class = 4

Source text

“prefill (hazard)”

— autofill

Chapter 7A Compliant (WUI)97%

UW AI Agent

is_7a_compliant = Yes

Source text

“prefill (fhsz)”

— autofill

Roof Fire Classification97%

UW AI Agent

roof_classification = Class A

Source text

“prefill (catmodel)”

— autofill

P(F) - Probability of Failure (fire simulation)97%

UW AI Agent

p_f = 0.540

Source text

“prefill (catmodel)”

— autofill

Siding Fire Classification97%

UW AI Agent

siding_classification = Noncombustible

Source text

“prefill (catmodel)”

— autofill

Vegetation Clearance / Defensible Space92%

UW AI Agent

vegetation_clearance = 100+ ft

Source text

“prefill (aerial)”

— autofill

Fire Department Response Time97%

UW AI Agent

fire_dept_response_time = 11

Source text

“prefill (hazard)”

— autofill

Act on this lead

Nova pre-wrote a question for each missing item. For each ask, tell Nova why you need it — it learns what gets requested (and where some of it could be pulled instead of emailing the customer).

Requesting as

Name of trustcustomer-only

Pool Securitycustomer-only

Post & pier supports living area (not just decking)customer-only

Deck Height Above Grade (ft)customer-only

Water Heater Typecustomer-only

Opening Protectioncustomer-only

6 selected · a reason is required for each — Nova learns every ask

Capture reasoning on unclear provisionsfree-text UW rationale → Nova’s vector memory2 to explain

Unclear provisions — capture underwriter reasoning

These provisions were flagged missing and asked in the follow-up email; the reply came back as free text. Map it to the exact provision option and decide — your reasoning + source is remembered (vector memory) and auto-inferred on similar future cases, trending toward a trusted, auto-approvable pattern.

Swimming Poolsunclear field: Pool Security

flagged missing · asked in the follow-up email

Reply source (the producer/customer wrote this — map it, don’t parse it)

Maps to the exact option

Decision

✦ Nova: paste the customer's actual words above — I learn from the raw reply, mapped by your judgment.

No vector memory yet for this provision — your first capture seeds it (384-dim MiniLM → vec_precedent).

Plumbingunclear field: Water Heater Type

flagged missing · asked in the follow-up email

Reply source (the producer/customer wrote this — map it, don’t parse it)

Maps to the exact option

Decision

✦ Nova: paste the customer's actual words above — I learn from the raw reply, mapped by your judgment.

No vector memory yet for this provision — your first capture seeds it (384-dim MiniLM → vec_precedent).

Auto-filled PlanDesign formthe full binding form Nova pre-populated — item-approved fields are already confirmed; edit only to correct (edits still teach Nova)9 sections · 10 missing

Auto-filled PlanDesignThe customer submitted this instance; you are editing it. Each section folds — open one, edit a field, and every change is captured with a source + your reasoning, attributed to you and versioned (audit).

Acting as

Insured2 fields · 2 missing

Name of trustmissing

Insured Occupationmissing

Property1 field · 1 missing

Pool Securitymissing

Construction2 fields · 2 missing

Post & pier supports living area (not just decking)missing

Deck Height Above Grade (ft)missing

Plumbing1 field · 1 missing

Water Heater Typemissing

Protection2 fields · 2 missing

Opening Protectionmissing

Road Access to Homesystem-filledverifyNarrow paved

Wildfire2 fields · 2 missing

Siding Fire Classificationsystem-filledverifyNoncombustible

Vegetation Clearance / Defensible Spacesystem-filledverify100+ ft

Risk tree — first iterationour initial risk-appetite design, kept to show the iteration — superseded by provision-level approvals aligned with the runbook (▦)9 categories · 4 flagged

Risk hierarchy

Locationclear

Accountclear

Insuredopen

Name of trust

Primary Coveragesclear

Propertyopen

Pool Security

Constructionopen

Post & pier supports living area (not just decking)

Deck Height Above Grade (ft)

Year Roof Replaced

2014

Has Knob-and-Tube Wiring

true

Plumbingopen

Water Heater Type

Protectionclear

Wildfireclear

Terminal state

Follow-up — one consolidated email

A guardrail capping the agent at N asks (default 3) before handing to the UW — no spamming the customer/broker.

Nova pre-wrote 6 questions for the ONE consolidated email — review, trim, and send. Sending moves this lead to Awaiting reply and the email lands in Outbound.

inbound classification: New customer