◇ 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.

Protection Class 9 & 10

The deepest board: when public fire protection is weakest, insurability is engineered — water supply, access, response, staffing, and home size all interlock.

The decision tree (as drawn)
Public Hydrantwithin 1000' — Yes> 30 min15–30 minYesNowithin 15 minPublic Hydrantwithin 1000' — NoNoNoYeslimited access, dead-endroad, no turn-aroundmore than one roadaccess point> 30 min15–30 minVolunteerRespondershome> 7500 sqfthome 4000–7500or < 4000 sqftNoYesPaidRespondershome> 7500 sqfthome 4000–7500sqftNoYeshome< 4000 sqftwithin 15 minVolunteerRespondershome> 7500 sqfthome 4000–7500or < 4000 sqftNoYesPaidRespondershome> 7500 sqfthome 4000–7500sqftNoYeshome< 4000 sqftYesYesNoYesNoYesNoYesNoYeslimited access, dead-endroad, no turn-aroundmore than one roadaccess point> 30 min15–30 minVolunteerRespondershome> 7500 sqfthome 4000–7500or < 4000 sqftNoYesPaidRespondershome> 7500 sqfthome 4000–7500sqftNoYeshome< 4000 sqftwithin 15 minVolunteerRespondershome> 7500 sqfthome 4000–7500or < 4000 sqftNoYesPaidRespondershome> 7500 sqfthome 4000–7500sqftNoYeshome< 4000 sqftNoSHARED TAIL — after anywater / sprinkler requirementYesNoYes(else)Protection Class 9 & 10QuestionnaireResponse TimeDeclineHome under7500 sqft?Okay to Proceed→ shared tail ↓Require Centrally MonitoredInterior Sprinklers→ shared tail ↓Okay to writeAlternative Water Source?(lake, pond, river, cistern,tank, swimming pool)Tankers BringWater?DeclineRoad accessto home?DeclineResponse TimeDeclineNearest StationStaffingHome size?DeclineHome has Centrally MonitoredInterior Sprinklers?Require 20 Gal Water / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓Home size?Require 10 Gal Water / sqft+ Centrally MonitoredInterior Sprinklers →shared tail ↓Sprinklers?Require 20 Gal / sqft→ shared tail ↓Require 10 Gal / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓Nearest StationStaffingHome size?Require 10 Gal Water / sqft+ Centrally MonitoredInterior Sprinklers →shared tail ↓Home has Centrally MonitoredInterior Sprinklers?Require 20 Gal Water / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓Home size?Require 10 Gal Water / sqft+ Centrally MonitoredInterior Sprinklers →shared tail ↓Sprinklers?Require 20 Gal / sqft→ shared tail ↓Require 10 Gal / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓Within 1000'of Dwelling?Water Source AccessibleYear Round?DeclineSource hasDry Hydrant?Require Dry Hydrantwithin UWing PeriodBoth County andCal Fire Fittings?Require Retrofitwithin UWing PeriodPaved Roads AccessibleAll Year?DeclineRoad accessto home?DeclineResponse TimeDeclineNearest StationStaffingHome size?DeclineHome has Centrally MonitoredInterior Sprinklers?Require 20 Gal Water / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓Home size?Require 10 Gal Water / sqft+ Centrally MonitoredInterior Sprinklers →shared tail ↓Sprinklers?Require 20 Gal / sqft→ shared tail ↓Require 10 Gal / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓Nearest StationStaffingHome size?Require 10 Gal Water / sqft+ Centrally MonitoredInterior Sprinklers →shared tail ↓Home has Centrally MonitoredInterior Sprinklers?Require 20 Gal Water / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓Home size?Require 10 Gal Water / sqft+ Centrally MonitoredInterior Sprinklers →shared tail ↓Sprinklers?Require 20 Gal / sqft→ shared tail ↓Require 10 Gal / sqft→ shared tail ↓Require 10 Gal Water / sqft→ shared tail ↓(no branch drawn —see questions)Gates or OtherPhysical Barriers?Require Knox Boxwithin UWing PeriodCentral StationFire Alarm?ProceedRequire withinUWing Period
The logic, captured
How I read this

I read this in three passes. First the ENTRY split: a public hydrant within 1000' collapses the whole board to a response-time check. Second, the NO-HYDRANT half is really a water-engineering flow: find water (alternative source or tankers), prove a truck can reach it and the home (access, paved roads, turn-arounds, dry hydrant + fittings), then size the remaining risk with the staffing × home-size × sprinkler matrix. Third, the SHARED TAIL: every surviving path funnels through the same gate — physical barriers demand a Knox Box, otherwise a central-station alarm. The matrix repeats per response-time block; the tree below draws it per block and the tail once, exactly as the board's collector rails merge.

PathTerminal state
Hydrant ≤ 1000' → response time over 30 minutesDECLINEDecline
… response within 15 minutesOK / QUOTEOkay to write
… 15–30 minutes, home under 7500 sqftOK / QUOTEOkay to proceed → shared tail
… 15–30 minutes, home 7500+ sqftREQUIRERequire centrally monitored interior sprinklers → shared tail
No hydrant, no alternative water source, no tankersDECLINEDecline
No hydrant → tankers → limited access / dead-end / no turn-aroundDECLINEDecline
… multi-road access → response over 30 minDECLINEDecline
… 15–30 min, VOLUNTEER station, home > 7500 sqftDECLINEDecline
… 15–30 or <15 min, staffing × size matrix, mid/small homesREQUIRERequire 10 or 20 gallons of water per sqft (20 without sprinklers, 10 with) → shared tail
… within 15 min, PAID station, home > 7500 sqftREQUIRERequire 10 gal/sqft + monitored sprinklers → shared tail
Alternative source ≤ 1000' of dwelling → not accessible year-roundDECLINEDecline
… accessible → no dry hydrantREQUIRERequire dry hydrant within UWing period
… dry hydrant without county + Cal Fire fittingsREQUIRERequire retrofit within UWing period
… fittings OK → paved roads not accessible all yearDECLINEDecline
… paved roads OK → road access → response/staffing/size matrixNOTEsame matrix as the tanker path → shared tail
SHARED TAIL: gates or physical barriers presentREQUIRERequire Knox Box within UWing period
… no barriers, no central-station fire alarmREQUIRERequire one within UWing period
Board notes (missing-data guidance)
📝 If missing: ASSUME Protection Class 9 and run through the diagram.
Where an agent helps (unsticking the underwriter)
  • Most of this questionnaire is pre-answerable from public/GIS data before anyone is asked anything: hydrant locations, nearest station + staffing type, drive-time response estimates, road access and turn-arounds from maps — an agent fills the tree and leaves only the property-specific facts (stored water, sprinklers, fittings) as scoped asks.
  • The sticky is the playbook's own default rule: protection class missing → assume Class 9, run the full diagram, and carry the assumption as a flagged, verifiable fact.
  • Because requirements STACK here (water + sprinklers + Knox Box + alarm), an agent can compose the complete requirements letter in one pass instead of the underwriter accumulating them by hand.
Sam's questions for the analyst
  1. The two children under “Central Station Fire Alarm” are drawn without Yes/No labels — I read “Yes = alarm present → proceed; otherwise require within the UWing period.” Correct?
  2. “Within 1000' of Dwelling — No” has no drawn branch: does a too-distant source fall back to the tanker path, or decline?
  3. In the 15–30-minute blocks, volunteer-staffed + >7500 sqft reads as a hard decline while paid-staffed gets the water+sprinklers requirement — confirming that's the intended asymmetry?
  4. County + Cal Fire fittings reads California-specific — is the playbook single-state today?
← Replacement Cost13 / 13