◇ 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.

Plumbing

Two sub-plays: general plumbing age (30-year gate) and water heaters (type, age, and where a leak would land).

The decision tree (as drawn)
General Plumbingolder than 30 yearsNoYesnewer than 30 yearsWater HeatersTankolder than 10 yearsin / abovefinished spaceNoYesin unfinishedspacenewer than 10 yearsTanklessPlumbingAge?Tier-one broker orrounded account?DeclineRequire Plumbing Inspectionwithin First TermOkay to QuoteType?Age?Location?Tier-one broker orrounded account?DeclineRequire Inspectionwithin First TermRequire Inspectionwithin First Term(no arrow drawn —see question below)Okay to Quote
The logic, captured
How I read this

Water damage is the most frequent homeowner claim, and this board prices exactly that: old plumbing and old TANK heaters are workable only for tier-one / rounded relationships, and the water-heater question is really “when it leaks, does it leak INTO the house?” — a tank above finished space is treated more strictly than one in the garage.

PathTerminal state
General plumbing newer than 30 yearsOK / QUOTEOkay to quote
General plumbing older than 30 years + tier-one broker / rounded accountREQUIRERequire plumbing inspection within first term
… not tier-one/roundedDECLINEDecline
Tankless water heaterOK / QUOTEOkay to quote
Tank heater > 10 years, in/above finished space + tier-one/roundedREQUIRERequire inspection within first term
… not tier-one/roundedDECLINEDecline
Tank heater > 10 years, in unfinished spaceREQUIRERequire inspection within first term (no tier gate)
Tank heater ≤ 10 yearsNOTEno outcome drawn on the board — presumably okay to quote (question below)
Where an agent helps (unsticking the underwriter)
  • Plumbing and heater age rarely arrive on a lead — an agent derives a starting estimate from year built and permit records, then treats it as assumed-pending-verification rather than blocking.
  • The tier-one/rounded-account gate is a pure data lookup on the producer/customer record — no human needed to apply it.
  • When the heater's location is the missing fact, that is a one-line photo request (“where does the water heater live?”) — a perfectly scoped single ask.
Sam's questions for the analyst
  1. The “tank heater newer than 10 years” box has no outgoing arrow on the board — safe to read as okay-to-quote?
  2. For general plumbing age, does full re-piping reset the clock (i.e., is it pipe age or home age)?