◇ Zen Insurance · Nova AI

Runbooks

The playbook flows as versioned, dated configuration — rendered from the DB, consulted by the engine and pricing at evaluation time.

Swimming Pools

v1 · effective 2026-01-01 00:00 → open
Ingroundunfenced /uncoveredgated community ormulti-acre propertynon-gated, non-multi-acrefenced w/ self-locking gateor safety coverAbove GroundYesNoPools with Slidesor Diving BoardsSwimming PoolsSecured?Community / lot?Accept w/ Recommendationfor Secure CoverRequire Secured Coverwithin UWing PeriodOkay to QuotePull-up lockingladder?Okay to QuoteRequire Suitable Ladderwithin UWing PeriodAcceptable with Limitationof Liability Endorsement
Version history
vwindownoteby
v12026-01-01 00:00 → openactivev1 — seeded from decision_rules.json (parity with the playbook trees)seed

Roof Class

v1 · effective 2026-01-01 00:00 → open
Class ANon-Class A≤ .15> .15 ≤ .50> .50Unknown Class≤ .15> .15 ≤ .50comp/asphalt/fiberglass ≤ 20 yrs ·concrete/clay/slate ·modern standing-seam metalcombustible: untreated woodshake/shingle · flat membrane ·tar & gravel> .50modern materials(as left)combustible(as left)Roof ClassOkay to QuoteP(F)?Okay to QuoteRequire confirmation of Class Aor replacement within first termRequire confirmation of Class A orreplacement within first 60 daysor DeclineP(F)?Okay to QuoteMaterial?Assume Class AOkay to QuoteRequire confirmation of Class Aor replacement within first term(evidence: permits · invoices ·manufacturer docs · inspection)Material?Assume Class AOkay to QuoteRequire confirmation of Class Aor replacement within 60 daysor decline
Version history
vwindownoteby
v12026-01-01 00:00 → openactivev1 — seeded from decision_rules.json (parity with the playbook trees)seed

Electrical Systems

v1 · effective 2026-01-01 00:00 → openediting gated for the demo
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

Plumbing

v1 · effective 2026-01-01 00:00 → openediting gated for the demo
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