WorkflowHomeowners & Property

Renewal Review

Renewal Re-Underwriting

Every renewal re-underwritten from fresh evidence 120 days out, so every notice meets its state deadline.

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WorkflowDocuments in; a checked, signed result out.
6specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

Renewals roll over on stale data; underwriters review a fraction, and non-renewal or change notices must reach the customer in time, 75 days before expiry in California.

What it does

How the solution handles it

Six agents rebuild each renewal file from claims, inspections, imagery and hazard data, test it against appetite, recommend renew, change or refer, and back-time every notice to the state deadline. A property underwriter decides each renewal; non-renewals get a second reviewer.

How it works

How a renewal moves

Six specialist agents rebuild, read, check, test, recommend and schedule every renewal; a property underwriter decides each one.

What comes in
Renewal file5 sources · policy, claims, inspection, imagery, hazard
Agents at work
Renewal file rebuilderpolicy and history
Claims readerlosses this term
Then
Hazard checkerwildfire, wind, flood
Then
Appetite testeryour guidelines
Then
Action recommenderrenew, change, refer
Notice schedulerstate deadlines
A person decides
Property underwriterdecides each renewal
What comes out
Decided renewals
Notices on time
Referral packs
In and out

What it reads, and what it hands back.

What goes in

  • Expiring policy and rating data
  • Claims since last term
  • Latest inspection and imagery
  • Hazard scores (wildfire, wind, flood)
  • Underwriting guidelines

What comes out

  • Renew, change or refer list, cited
  • Rate and coverage change drafts
  • Notice calendar by state
  • Non-renewal referral packs

Who uses it

PUProperty underwriterUMUnderwriting managerASAgency servicesCOCompliance officer
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
15min
per renewal, from rebuilt file to a cited recommendation
By hand1–2 hrs
With agents≈ 15 min
target
12checks
on every renewal: claims, roof, hazard, appetite and more
12 of 12 checks
on every renewal
target
0late
notices against the state deadline, every one back-timed

California Ins. Code §678: non-renewal notice at least 75 days before expiry · “Target” = design goal, measured in the live solution · agents = the live solution’s configuration

Built on the engine

6 specialist agents. One person decides.

Renewal file rebuilderexpiring terms and rating data
Claims readerlosses and notes this term
Hazard checkerwildfire, wind and flood scores
Appetite testeragainst current appetite
Action recommenderrenew, change or refer, cited
Notice schedulerback-timed to state deadlines
Property underwriterdecides each renewal

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