◇ Zen Insurance · Nova AI
← All playsrequirements capture — every decision point, read from the FigJam
📖 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.

Electrical Systems

Knob & tube graded by extent and by which ROOMS it feeds; service panels graded by amperage and known-hazard models — all tier-gated.

The decision tree (as drawn)
Knob andTube WiringIsolatedNolow draw (bedrooms,hallways, living/dining)high draw (kitchens,baths, equipment rooms)Yeshigh drawlow drawWhole houseNoYesService Panelless than120 AmpNoYesIneligiblePanelsNoYesElectrical SystemsExtent?Tier-one broker orrounded account?Draw area?Require Replacementwithin First TermDeclineDraw area?Require Replacementwithin UWing PeriodRequire Replacementwithin First TermTier-one broker orrounded account?DeclineRequire Replacementwithin UWing PeriodPanel?Tier-one broker orrounded account?DeclineRequire Replacementwithin UWing PeriodTier-one broker orrounded account?DeclineRequire Replacementwithin UWing Period
The logic, captured
How I read this

The subtle design here is the DRAW-AREA split for isolated knob & tube: the same wiring is a harder problem in kitchens/bathrooms/equipment rooms (high electrical draw → heat) than in bedrooms and hallways. And as on Plumbing, the tier-one/rounded gate converts declines into time-bound replacement requirements for valuable relationships.

PathTerminal state
Knob & tube, isolated, NOT tier-one/rounded → low-draw rooms onlyREQUIRERequire replacement within first term
… → high-draw rooms (kitchens, baths, equipment)DECLINEDecline
Knob & tube, isolated, tier-one/rounded → high-drawREQUIRERequire replacement within UWing period
… → low-drawREQUIRERequire replacement within first term
Knob & tube, whole house + tier-one/roundedREQUIRERequire replacement within UWing period
… not tier-one/roundedDECLINEDecline
Service panel under 120 Amp + tier-one/roundedREQUIRERequire replacement within UWing period · else decline
Ineligible panels + tier-one/roundedREQUIRERequire replacement within UWing period · else decline
Board notes (missing-data guidance)
📝 If the knob-and-tube question is missing, assume it based on year built (1950).
Where an agent helps (unsticking the underwriter)
  • The sticky is a derivation rule an agent applies instantly: year built < ~1950 → assume knob & tube present, flag it assumed, and verify via inspection report instead of stalling the file.
  • Panel brand/amperage hides in inspection reports and photos — an agent extracts it from documents already in the file before asking anyone.
  • The draw-area question only matters AFTER isolated K&T is confirmed — an agent sequences the asks so the broker never gets an irrelevant question.
Sam's questions for the analyst
  1. Is there a maintained list of “ineligible panels” (the well-known fire-hazard models), or is that underwriter knowledge?
  2. For the isolated-K&T split, is the room list on the board exhaustive, or examples of high/low draw?