Zen Insurance · Nova AI

LEAD-2026-0424 · current: Underwriter · 1 run

▶ Agent Theaterthe audit trail, animated — every pulse is a real traced MCP tools/call from agent_run_steps · play / scrub / slow-motion

0.0s / 23.8s

Every pulse is a recorded MCP tools/call · electrons show dispatch (↓) and response (↑) · click a node to inspect its last call

—run start

Run 1 · workflow · NovaSep 11, 6:11 PM34 steps · 3133ms · ok

📥 Inbound

63 field(s) · dedupe: new lead (first submit) · key "300 saguaro dr 85004"

input / output

result

{
  "source": "inbound",
  "fields_received": 63,
  "dedupe_key": "300 saguaro dr 85004",
  "dedupe_result": "new lead (first submit)"
}

◧ Classify

63 fields · 4 autofilled · 1 missing · 0 verify · 2 gate(s) (residence held in trust; kyc_score 79 ≥ 6)

input / output

result

{
  "source": "inbound",
  "fields_seen": 63,
  "missing": 1,
  "autofilled": 4,
  "verify": 0,
  "gates": 2,
  "gate_signals": [
    "residence held in trust",
    "kyc_score 79 ≥ 6"
  ]
}

• plan

{"note":"Nova reads the whole lead JSON → delegation plan (waves of service calls)","missing_service_fields":3,"waves":[["mls (1 fields)","hazard (1 fields)","internal (1 fields)"]]}

input / output

result

{
  "note": "Nova reads the whole lead JSON → delegation plan (waves of service calls)",
  "missing_service_fields": 3,
  "waves": [
    [
      "mls (1 fields)",
      "hazard (1 fields)",
      "internal (1 fields)"
    ]
  ]
}

• evaleval:prefill_plan

{"pass":true,"verdict":["✓ well_formed: 3 services across 1 waves","✓ coverage: 3/3 missing fields covered","✓ topology: every dependency satisfied before its wave","✓ no_customer_fields: plan touches

input / output

args →

{
  "gates": [
    "well_formed",
    "coverage",
    "topology",
    "no_customer_fields",
    "bounded"
  ]
}

result

{
  "pass": true,
  "verdict": [
    "✓ well_formed: 3 services across 1 waves",
    "✓ coverage: 3/3 missing fields covered",
    "✓ topology: every dependency satisfied before its wave",
    "✓ no_customer_fields: plan touches service-owned fields only",
    "✓ bounded: 1 waves (max 8)"
  ],
  "note": "plan accepted — delegation authorized"
}

⚙ Prefill

4 field(s):

input / output

result

{
  "note": "Nova fans out one sub-agent per external service, in dependency waves",
  "count": 4,
  "subagents": 11,
  "waves": 2,
  "services": [
    "geocode (Smarty / USPS geocode)",
    "kyc (LexisNexis InstantID (KYC))",
    "assessor (ATTOM / CoreLogic assessor)",
    "mls (Regrid / MLS)",
    "aerial (Betterview / Nearmap aerial AI)",
    "hazard (Verisk HazardHub)",
    "elevation (USGS 3DEP elevation)",
    "fhsz (Cal Fire FHSZ)",
    "internal (Zen Insurance internal DB)",
    "permits (BuildFax / county permits)",
    "catmodel (Nova AI wildfire cat-model)"
  ],
  "resolved_fields": 4,
  "outages": "none"
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 1",
  "service": "geocode",
  "vendor": "Smarty / USPS geocode",
  "wave": 1,
  "resolves": [
    "county"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — Smarty / USPS geocode"
}

⚡ MCP tools/callservice_call:geocode

{"resolved":{"county":"Maricopa"},"fields":1}

input / output

args →

{
  "subagent": "Nova · Sub-agent 1",
  "vendor": "Smarty / USPS geocode",
  "requested": [
    "county"
  ]
}

result

{
  "resolved": {
    "county": "Maricopa"
  },
  "fields": 1
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 2",
  "service": "kyc",
  "vendor": "LexisNexis InstantID (KYC)",
  "wave": 1,
  "resolves": [
    "kyc_score"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — LexisNexis InstantID (KYC)"
}

⚡ MCP tools/callservice_call:kyc

{"resolved":{"kyc_score":"n/a"},"fields":1}

input / output

args →

{
  "subagent": "Nova · Sub-agent 2",
  "vendor": "LexisNexis InstantID (KYC)",
  "requested": [
    "kyc_score"
  ]
}

result

{
  "resolved": {
    "kyc_score": "n/a"
  },
  "fields": 1
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 3",
  "service": "assessor",
  "vendor": "ATTOM / CoreLogic assessor",
  "wave": 1,
  "resolves": [
    "dwelling_type",
    "property_purchase_date",
    "year_built",
    "square_feet",
    "num_stories",
    "structure_type",
    "construction_type",
    "foundation_type",
    "replacement_cost"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — ATTOM / CoreLogic assessor"
}

⚡ MCP tools/callservice_call:assessor

{"resolved":{"dwelling_type":"Primary","property_purchase_date":2011,"year_built":1998,"square_feet":2610,"num_stories":1,"structure_type":"Townhouse","construction_type":"Masonry","foundation_type":"

input / output

args →

{
  "subagent": "Nova · Sub-agent 3",
  "vendor": "ATTOM / CoreLogic assessor",
  "requested": [
    "dwelling_type",
    "property_purchase_date",
    "year_built",
    "square_feet",
    "num_stories",
    "structure_type",
    "construction_type",
    "foundation_type",
    "replacement_cost"
  ]
}

result

{
  "resolved": {
    "dwelling_type": "Primary",
    "property_purchase_date": 2011,
    "year_built": 1998,
    "square_feet": 2610,
    "num_stories": 1,
    "structure_type": "Townhouse",
    "construction_type": "Masonry",
    "foundation_type": "Slab",
    "replacement_cost": 819000
  },
  "fields": 9
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 4",
  "service": "mls",
  "vendor": "Regrid / MLS",
  "wave": 1,
  "resolves": [
    "listed_for_sale",
    "acreage"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — Regrid / MLS"
}

⚡ MCP tools/callservice_call:mls

{"resolved":{"listed_for_sale":"No","acreage":1.62},"fields":2}

input / output

args →

{
  "subagent": "Nova · Sub-agent 4",
  "vendor": "Regrid / MLS",
  "requested": [
    "listed_for_sale",
    "acreage"
  ]
}

result

{
  "resolved": {
    "listed_for_sale": "No",
    "acreage": 1.62
  },
  "fields": 2
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 5",
  "service": "aerial",
  "vendor": "Betterview / Nearmap aerial AI",
  "wave": 1,
  "resolves": [
    "roof_material",
    "roof_shape",
    "siding_material",
    "pool_type",
    "min_distance_to_neighbor_ft",
    "vegetation_clearance"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — Betterview / Nearmap aerial AI"
}

⚡ MCP tools/callservice_call:aerial

{"resolved":{"roof_material":"Concrete Tile","roof_shape":"Flat","siding_material":"Stucco","pool_type":"None","min_distance_to_neighbor_ft":20,"vegetation_clearance":"100+ ft"},"fields":6}

input / output

args →

{
  "subagent": "Nova · Sub-agent 5",
  "vendor": "Betterview / Nearmap aerial AI",
  "requested": [
    "roof_material",
    "roof_shape",
    "siding_material",
    "pool_type",
    "min_distance_to_neighbor_ft",
    "vegetation_clearance"
  ]
}

result

{
  "resolved": {
    "roof_material": "Concrete Tile",
    "roof_shape": "Flat",
    "siding_material": "Stucco",
    "pool_type": "None",
    "min_distance_to_neighbor_ft": 20,
    "vegetation_clearance": "100+ ft"
  },
  "fields": 6
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 6",
  "service": "hazard",
  "vendor": "Verisk HazardHub",
  "wave": 1,
  "resolves": [
    "protection_class",
    "distance_to_fire_department",
    "dist_to_nearest_fire_hydrant",
    "fire_department_type",
    "fire_dept_response_time",
    "road_access"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — Verisk HazardHub"
}

⚡ MCP tools/callservice_call:hazard

{"resolved":{"protection_class":"4","distance_to_fire_department":2.1,"dist_to_nearest_fire_hydrant":420,"fire_department_type":"Combination","fire_dept_response_time":15,"road_access":"Paved two-way"

input / output

args →

{
  "subagent": "Nova · Sub-agent 6",
  "vendor": "Verisk HazardHub",
  "requested": [
    "protection_class",
    "distance_to_fire_department",
    "dist_to_nearest_fire_hydrant",
    "fire_department_type",
    "fire_dept_response_time",
    "road_access"
  ]
}

result

{
  "resolved": {
    "protection_class": "4",
    "distance_to_fire_department": 2.1,
    "dist_to_nearest_fire_hydrant": 420,
    "fire_department_type": "Combination",
    "fire_dept_response_time": 15,
    "road_access": "Paved two-way"
  },
  "fields": 6
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 7",
  "service": "elevation",
  "vendor": "USGS 3DEP elevation",
  "wave": 1,
  "resolves": [
    "slope_angle_deg"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — USGS 3DEP elevation"
}

⚡ MCP tools/callservice_call:elevation

{"resolved":{"slope_angle_deg":33},"fields":1}

input / output

args →

{
  "subagent": "Nova · Sub-agent 7",
  "vendor": "USGS 3DEP elevation",
  "requested": [
    "slope_angle_deg"
  ]
}

result

{
  "resolved": {
    "slope_angle_deg": 33
  },
  "fields": 1
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 8",
  "service": "fhsz",
  "vendor": "Cal Fire FHSZ",
  "wave": 1,
  "resolves": [
    "is_7a_compliant"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — Cal Fire FHSZ"
}

⚡ MCP tools/callservice_call:fhsz

{"resolved":{"is_7a_compliant":"Yes"},"fields":1}

input / output

args →

{
  "subagent": "Nova · Sub-agent 8",
  "vendor": "Cal Fire FHSZ",
  "requested": [
    "is_7a_compliant"
  ]
}

result

{
  "resolved": {
    "is_7a_compliant": "Yes"
  },
  "fields": 1
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 9",
  "service": "internal",
  "vendor": "Zen Insurance internal DB",
  "wave": 1,
  "resolves": [
    "broker_tier",
    "has_primary_policy_with_carrier"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — Zen Insurance internal DB"
}

⚡ MCP tools/callservice_call:internal

{"resolved":{"broker_tier":"Tier 2","has_primary_policy_with_carrier":"No"},"fields":2}

input / output

args →

{
  "subagent": "Nova · Sub-agent 9",
  "vendor": "Zen Insurance internal DB",
  "requested": [
    "broker_tier",
    "has_primary_policy_with_carrier"
  ]
}

result

{
  "resolved": {
    "broker_tier": "Tier 2",
    "has_primary_policy_with_carrier": "No"
  },
  "fields": 2
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 10",
  "service": "permits",
  "vendor": "BuildFax / county permits",
  "wave": 1,
  "resolves": [
    "roof_replacement_year",
    "has_knob_and_tube_wiring",
    "electrical_panel_brand",
    "plumbing_age_years",
    "electrical_panel_size_amps"
  ]
}

result

{
  "spawned": true,
  "note": "wave 1 — BuildFax / county permits"
}

⚡ MCP tools/callservice_call:permits

{"resolved":{"roof_replacement_year":2010,"has_knob_and_tube_wiring":"No","electrical_panel_brand":"Square D","plumbing_age_years":22,"electrical_panel_size_amps":200},"fields":5}

input / output

args →

{
  "subagent": "Nova · Sub-agent 10",
  "vendor": "BuildFax / county permits",
  "requested": [
    "roof_replacement_year",
    "has_knob_and_tube_wiring",
    "electrical_panel_brand",
    "plumbing_age_years",
    "electrical_panel_size_amps"
  ]
}

result

{
  "resolved": {
    "roof_replacement_year": 2010,
    "has_knob_and_tube_wiring": "No",
    "electrical_panel_brand": "Square D",
    "plumbing_age_years": 22,
    "electrical_panel_size_amps": 200
  },
  "fields": 5
}

✳ Spawnspawn_subagent

groundwork-prefill · 0 field(s) to resolve

input / output

args →

{
  "subagent": "Nova · Sub-agent 11",
  "service": "catmodel",
  "vendor": "Nova AI wildfire cat-model",
  "wave": 2,
  "resolves": [
    "roof_classification",
    "siding_classification",
    "p_f"
  ]
}

result

{
  "spawned": true,
  "note": "wave 2 — Nova AI wildfire cat-model"
}

⚡ MCP tools/callservice_call:catmodel

{"resolved":{"roof_classification":"Class A","siding_classification":"Combustible","p_f":0.918,"wildfire_risk_score":77},"fields":4}

input / output

args →

{
  "subagent": "Nova · Sub-agent 11",
  "vendor": "Nova AI wildfire cat-model",
  "requested": [
    "roof_classification",
    "siding_classification",
    "p_f"
  ]
}

result

{
  "resolved": {
    "roof_classification": "Class A",
    "siding_classification": "Combustible",
    "p_f": 0.918,
    "wildfire_risk_score": 77
  },
  "fields": 4
}

▤ DB writeMCP · db_upsert_field

has_primary_policy_with_carrier = No · sim:internal

input / output

args →

{
  "leadId": "LEAD-2026-0424",
  "field": "has_primary_policy_with_carrier",
  "value": "No",
  "provenance": "sim:internal",
  "confidence": 0.88
}

result

{
  "field": "has_primary_policy_with_carrier",
  "status": "auto-filled"
}

▤ DB writeMCP · db_upsert_field

listed_for_sale = No · sim:mls

input / output

args →

{
  "leadId": "LEAD-2026-0424",
  "field": "listed_for_sale",
  "value": "No",
  "provenance": "sim:mls",
  "confidence": 0.88
}

result

{
  "field": "listed_for_sale",
  "status": "auto-filled"
}

▤ DB writeMCP · db_upsert_field

fire_dept_response_time = 15 · sim:hazard

input / output

args →

{
  "leadId": "LEAD-2026-0424",
  "field": "fire_dept_response_time",
  "value": "15",
  "provenance": "sim:hazard",
  "confidence": 0.88
}

result

{
  "field": "fire_dept_response_time",
  "status": "auto-filled"
}

▤ DB writeMCP · db_upsert_field

p_f = 0.770 · sim:catmodel

input / output

args →

{
  "leadId": "LEAD-2026-0424",
  "field": "p_f",
  "value": "0.770",
  "provenance": "sim:catmodel",
  "confidence": 0.88
}

result

{
  "field": "p_f",
  "status": "auto-filled"
}

▶ Decisions

5 clear · 0 triage · 0 decline · Swimming Pools:clear, Roof Class:clear, Electrical Systems:clear, Plumbing:clear, Fire Protection & Defensible Space:clear

input / output

result

{
  "decisions": [
    {
      "point": "Swimming Pools",
      "key": "swimming_pools",
      "status": "clear",
      "rule": "Inground, fenced self-locking"
    },
    {
      "point": "Roof Class",
      "key": "roof_class",
      "status": "clear",
      "rule": "Class A"
    },
    {
      "point": "Electrical Systems",
      "key": "electrical",
      "status": "clear",
      "rule": "Sound panel"
    },
    {
      "point": "Plumbing",
      "key": "plumbing",
      "status": "clear",
      "rule": "Modern plumbing, young tank WH"
    },
    {
      "point": "Fire Protection & Defensible Space",
      "key": "fire_protection",
      "status": "clear",
      "rule": "Protected"
    }
  ],
  "triage": 0,
  "clear": 5,
  "decline": 0
}

✉ Email ask

1 ask(s): trust_name

input / output

result

{
  "ask": [
    "trust_name"
  ],
  "count": 1,
  "note": "producer-editable missing → follow-up composed"
}

→ Queue move

NEW → AWAITING_UW_REVIEW · 2 hard gate(s) hit — underwriter review

input / output

result

{
  "from": "NEW",
  "to": "AWAITING_UW_REVIEW",
  "recommendation": "refer",
  "reason": "2 hard gate(s) hit — underwriter review"
}