◇ Zen Insurance · Nova AI
Requirements capture

The UW Playbook, captured

Every decision point on the FigJam's top-level map, recreated as a decision tree with its logic flattened into path → terminal-state rows, the board's sticky notes (missing-data guidance), where an agent helps, and the open questions — with captured answers.

📖 How to read this playbook (and how I read the FigJam)

Each page below is one decision point from the top-level map — one "play." The left pane recreates the FigJam tree exactly as drawn (same branch labels, same terminal boxes); the right pane is the same tree flattened into path → terminal state rows, so every route to an outcome can be checked line by line.

How I read each board: start at the entry decision, walk every arrow to a terminal box, and record the full condition path — then capture the sticky notes separately, because they answer a different question: not "what's the rule?" but "what do we do when the field is MISSING?" (look it up, assume a default, or follow up). Where two arrows overlap and the wiring is genuinely ambiguous, I did not guess — those became the questions at the bottom of the page.

decision / question okay to quote / write require (condition, usually time-bound) decline / cancel sticky note (missing-data guidance)

Dashed-underlined terms open a ? glossary dialog — the shared vocabulary (UWing period, Knox Box, KYC, P(F), RCE…) captured while reading. Each page also notes where an agent helps: the exact spots a decision would stall on vague or missing info, and whether the unstick is a lookup, a derivation, the board's own assume-and-verify default, or one scoped question.

1Decision Points — the mapThe top-level board: eight entry decisions; Construction fans out to seven drill-downs. Every box below has its own page in this playbook.8 paths · 1 board note · 2 open questions2Profile (KYC)Who is being insured — KYC > 5 opens the play; the bands decide how far liability terms bend before declining.8 paths · 1 board note · 2 open questions3OccupancyRentals price with surcharges and endorsements; vacancy is a countdown — under 60 days gets modifications, over 60 declines.5 paths · 1 board note · 3 open questions4Fire SimulationWhen the wildfire model says Fail / Do-Not-Write, the play is a documented manual review — “legacy underwriting” — that can still reach a quote.10 paths · 1 board note · 3 open questions5Roof ClassFire probability decides how hard to press: low P(F) forgives a non-Class-A roof; high P(F) tightens the deadline to 60 days or decline.8 paths · 2 open questions6SidingNon-combustible siding needs nothing; wood shake/shingle siding is graded by fire probability, exactly like roofs.4 paths · 1 open question7Post & Pier Foundations / DecksUnder living area: hard decline. Supporting decks only: graded by home age and deck height, priced with surcharges.5 paths · 1 board note8PlumbingTwo sub-plays: general plumbing age (30-year gate) and water heaters (type, age, and where a leak would land).8 paths · 2 open questions9Electrical SystemsKnob & tube graded by extent and by which ROOMS it feeds; service panels graded by amperage and known-hazard models — all tier-gated.8 paths · 1 board note · 2 open questions10Swimming PoolsThe question is never the pool — it's whether a child can reach it: fencing, covers, ladders; slides and diving boards ride an endorsement.6 paths · 1 board note11Trusts & LLCsEntity-owned homes bind first, verify after: a questionnaire on a 30-day clock screens the entity for business exposures.3 paths · 1 open question12Replacement CostCompare submitted coverage against the calculated RCE: quote-friendly in every band, with documentation and a fraud check above 150%.5 paths · 1 open question13Protection Class 9 & 10The deepest board: when public fire protection is weakest, insurability is engineered — water supply, access, response, staffing, and home size all interlock.17 paths · 1 board note · 4 open questions