Runbook play: Electrical Systems— Nova recommends Review & approve
judgment: electrical
Swimming PoolsRoof ClassElectrical SystemsPlumbingFire Protection & Defensible Space
broker tier-2judgment: electrical55 provided · 5 service-filled · 0 to ask
playbook:
🔒 Approval locked10 items still to resolve — 4 PlanDesign fields · 6 open items. Fill each with a source + reasoning (Nova learns from every fix) to unlock approval.
Property Address
21 Palm Cove
City
Tampa
State
FL
Coverage A (Dwelling)
380000
Year Built
1962
Nova AI underwriting copilotProvisions — decide, and teach me as you go
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 · 2 to review
UW Decisions · 3 clear · 2 need attention · from decision_rules (DB)
◐ Refer to UWElectrical SystemsConstructionrule: Hazardous panel — Stab-Lok
Stab-Lok panel is a known fire hazard — refer to UW; require replacement evidence.
evidence: panel replacement invoice, electrical inspection report
✎ Requires infoPlumbingPlumbingrule: Aged tank WH in unfinished space
Tank water heater over 10 years old in unfinished space — require an inspection within the first term.
evidence: water heater inspection report · within 30d
Item-level approvals & request-info6 open · 0 approved · 0 unselected — bulk approve or compose the applicant ask6 items · 2 to ask
Insured has a primary policy with Zen Insurance97%rule-safe
UW AI Agent
has_primary_policy_with_carrier = No
Source text
“prefill (internal)”
Replacement Cost (Dwelling)97%reasoned
UW AI Agent
replacement_cost = 1241000
Source text
“prefill (assessor)”
Year Roof Replaced54%evidence-verify
UW AI Agent
roof_replacement_year = 2012
Source text
“resolved by agent”
P(F) - Probability of Failure (fire simulation)97%reasoned
UW AI Agent
p_f = 0.680
Source text
“prefill (catmodel)”
Property currently listed for sale92%rule-safe
UW AI Agent
listed_for_sale = Yes
Source text
“prefill (mls)”
Fire Department Response Time97%rule-safe
UW AI Agent
fire_dept_response_time = 25
Source text
“prefill (hazard)”
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).
2 selected · a reason is required for each — Nova learns every ask
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 · 4 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).
Insured
Insured Phonemissing
Insured Occupationmissing
Property
In gated community or multi-acre propertymissing
Protection
Opening Protectionmissing
Risk tree — first iterationour initial risk-appetite design, kept to show the iteration — superseded by provision-level approvals aligned with the runbook (▦)9 categories · 1 flagged
Risk hierarchy
Locationclear
Accountclear
Insuredclear
Primary Coveragesclear
Propertyclear
Constructionopen
Year Roof Replaced
Plumbingclear
Protectionclear
Wildfireclear