📖 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.
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.
Occupancy
Rentals price with surcharges and endorsements; vacancy is a countdown — under 60 days gets modifications, over 60 declines.
Two separate machines share this board. Rentals are a PRICING play (write with a 15% surcharge, plus the STR endorsement for short-term) gated on relationship value — tier-1 broker, lead line, or a well-managed >$5m Cov A property. Vacancy is a CLOCK play: the duration of non-occupancy decides between the modification bundle and decline. The sticky is the philosophy: quote now, verify occupancy after.
| Path | Terminal state |
|---|---|
| Long-term rental + tier-1 broker / lead line / well-managed property > $5m Cov A | OK / QUOTEWrite with 15% surcharge |
| Long-term rental, no justifiable exception | DECLINEDecline |
| Short-term rental | OK / QUOTEWrite with 15% surcharge + STR endorsement |
| Vacant / unoccupied / for sale, non-occupancy under 60 days | REQUIREConsider w/ modifications: 25% surcharge · 100k AOP · 3% water cover · low-temperature alarm or winterized (cold climates) · twice-weekly interior + exterior visits |
| … non-occupancy over 60 days | DECLINEDecline |
- Occupancy is exactly where the sticky's quote-now-verify-later posture needs automation: an agent quotes on the stated occupancy, schedules the follow-up verification, and closes the loop — the underwriter never has to remember to chase it.
- Short-term-rental use is detectable (listing sites, imagery) — an agent can flag a "primary residence" that is visibly an Airbnb before the quote goes out.
- The vacancy modification bundle is a fixed recipe; once duration < 60 days is known, the agent can attach all five modifications in one step.
- The board draws Vacant, Unoccupied, and For Sale converging into the same duration check with overlapping arrows — I read all three as sharing the <60/>60-day rule. Is that right, or does For Sale route differently?
- The vacancy sticky's last visit-schedule bullet is cut off on the board (“…visits by someone”) — someone specific (property manager?) or anyone?
- Does the “quote now, follow up after” note apply to ALL occupancy types, or only the vacancy branch it sits next to?