◇ 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.

Post & Pier Foundations / Decks

Under living area: hard decline. Supporting decks only: graded by home age and deck height, priced with surcharges.

The decision tree (as drawn)
Foundation under anypart of living areaSupport fordecking onlyprior to 20002000 or later≤ 8'> 8' ≤ 12'> 12'Post & PierFoundations / DecksDeclineHome built when?DeclineDeck heightabove grade?Proceed with15% surchargeProceed with25% surchargeDecline
The logic, captured
How I read this

A clean severity ladder: the same construction detail is uninsurable under a bedroom, price-loaded under a low deck, and declined again when the deck is high enough that failure means real injury. The 2000 building-code vintage acts as the quality gate.

PathTerminal state
Post & pier under ANY part of the living areaDECLINEDecline
Decking support only, home built before 2000DECLINEDecline
Decking support, built ≥ 2000, deck ≤ 8' above gradeOK / QUOTEProceed with 15% surcharge
… deck > 8' but ≤ 12'OK / QUOTEProceed with 25% surcharge
… deck > 12' above gradeDECLINEDecline
Board notes (missing-data guidance)
📝 If this field is missing you can try to check Zillow to look at the deck construction. Otherwise we will have to follow up with the broker.
Where an agent helps (unsticking the underwriter)
  • The sticky IS an agent recipe: check listing imagery for deck construction first, and only if inconclusive send the broker one scoped question — never block the whole quote on it.
  • Home year-built and deck height are derivable/askable facts; once present, the surcharge tier is deterministic.