Predictika · Submission Appetite Validator

Before a commercial property submission goes to quoting, it is checked

Pinecrest Specialty lets an intake agent prepare commercial property submissions from brokers. Before any submission is released to quoting, the request goes to Predictika's Submission Appetite Validator. It checks class, construction, protection, values, location hazards, loss history and the packet itself against the carrier's appetite. Then it returns one verdict: allow, needs approval, or block, with every finding listed.

Illustrative only. Pinecrest Specialty is a fictional carrier. The appetite numbers on this page are examples that each carrier would set for itself. No part of this is underwriting, legal or insurance advice.

Scope: release of a commercial property submission to quoting (class, construction, protection, values, hazards, loss history, packet completeness)See everything this validator covers

This model covers one decision: whether a commercial property submission may be released to quoting.

  • Class and building — occupancy class (not written, referral or standard), construction type, year built and systems, sprinklers, protection class.
  • Values — the stated total against the sum of building, contents and business interruption, building value against a minimum per square foot, and capacity.
  • Hazards — wildfire, coastal wind, earthquake and flood, with the deductible each requires.
  • History and packet — vacancy, claims, loss-run age and length, signed application, statement of values for several locations.

Within this decision the validator handles any combination of inputs, not just the eight scenarios shown here. It does not price the risk, build a quote or check rate filings. Three further rules (insured value between $22,000,000 and $45,000,000, partial sprinklers, and some protection-class combinations) are in the model but are not exercised by the scenarios on this page.

What the validator sees: the broker’s submission data and the carrier’s appetite numbers, nothing elseRead more

An appetite decision is rarely one bad field. It is a handful of fields that only mean something together: a stated total against its parts, a construction type against a per-square-foot floor, a distance to the coast against a deductible, a date against a loss-run policy.

The validator is given the submission with each call and judges only what it is given. If the broker’s data is wrong, the answer follows. And a submission is only checked if the intake agent calls the validator; in a deployment the carrier’s intake system makes the call.

The AI agentPrepares the submission from the broker’s packet, says what it is doing, then calls the validator before releasing anything.
Predictika validatorChecks the submission against the carrier’s appetite, values, hazard and packet rules. Returns one verdict and every finding.

8 scenarios in 5 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where simple appetite checks get it wrong
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General statements about class tables and intake checklists, not about any named product. Anyone running a specific product will know it better than we do.

    
What the validator caughtTypical toolPredictika
Stated value that does not match the parts; Frame building at the coast; Building value below replacement costCannot do it
Relationships between fields, such as a stated total against its parts or a building value against a per-square-foot minimum by construction type. A field-presence checklist does not test these.		Every rule is checked on every call and the verdict lists each finding.
Wildfire state with weak fire protection; Coastal wind deductible too low; Older building and systemsOnly with workarounds
Combined state, distance and deductible rules. Underwriting guidelines usually state them, and the new part is applying them in one pass with every finding listed.		Every rule is checked on every call and the verdict lists each finding.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the request; approval findings need a person to sign off first.

    
1Sawmill or woodworking is a class Pinecrest does not write. The submission cannot be released to quoting.
2Heavy manufacturing is a referral class. A senior underwriter must review before quoting.
3The stated total insured value $8200000.0 does not match the $9100000.0 computed from the building, contents and business interruption values.
4Total insured value $62000000.0 is above the $45000000 single-location capacity.
540% of the building is vacant. Submissions above 30% vacancy are out of appetite.
6The application is not signed. A signed application is required before quoting.
7Loss runs are 140 days old and cover 5 years. Current loss runs (75 days or newer) covering at least 3 years are required.
84 locations are submitted without a statement of values.
9Frame construction in protection class 9 is out of appetite (class 9 or worse).
10Hotel or motel with a $6000000.0 building and no sprinklers. Sprinklers are required above $4500000.0 for this class.
11High wildfire state (California), $7000000.0 insured value and protection class 8. Protection class worse than 6 is out of appetite.
125 claims totalling $240000.0 in five years is outside appetite (5 or more claims, or incurred above 25% of insured value).
13Loss history needs review: 3 claims in five years, largest loss $60000.0.
14Frame construction 0 miles from the coast in Florida is out of appetite (within 1 mile).
153 miles from the coast with a 2.0% wind deductible. A minimum 5% wind deductible applies within 5 miles.
16High earthquake state (California) with a 5.0% earthquake deductible. A minimum 10% applies.
17Flood zone zone_ae with $11700000.0 insured value needs a flood sublimit approved by a senior underwriter.
18Building value is only 0.65 of the minimum replacement cost for Joisted masonry construction (below 0.70).
19Building value is 0.88 of the minimum replacement cost for Joisted masonry construction. Valuation review needed.
20Built in 1974 with building systems last updated in 1990. Older buildings need underwriter review.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Incomplete packet: A retail center with an incomplete packet

    
The agent's request. Release the Meadowbrook Commons submission to quoting: a retail center in Illinois, 38,000 sq ft, total insured value $8,200,000, protection class 4, fully sprinklered.

    
Verdict: Blocked.

    
    
      
  • Stated insured value does not match the sum of the parts. The stated total insured value $8200000.0 does not match the $9100000.0 computed from the building, contents and business interruption values.
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  • Application is not signed. The application is not signed. A signed application is required before quoting.
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  • Loss runs too old or too short. Loss runs are 140 days old and cover 5 years. Current loss runs (75 days or newer) covering at least 3 years are required.
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2. Incomplete packet: The broker corrects the packet

    
The agent's request. Release the Meadowbrook Commons submission to quoting: a retail center in Illinois, 38,000 sq ft, total insured value $9,100,000, protection class 4, fully sprinklered, signed application and current loss runs attached.

    
Verdict: Allowed.

    
3. Coastal hotel: A coastal hotel, first submission

    
The agent's request. Release the Seaglass Inn submission to quoting: a 60,000 sq ft hotel on the Texas coast, total insured value $10,200,000, protection class 3.

    
Verdict: Blocked.

    
    
      
  • Large building with no sprinklers. Hotel or motel with a $6000000.0 building and no sprinklers. Sprinklers are required above $4500000.0 for this class.
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  • Building value far below replacement cost. Building value is only 0.65 of the minimum replacement cost for Joisted masonry construction (below 0.70).
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  • Coastal wind deductible too low. 3 miles from the coast with a 2.0% wind deductible. A minimum 5% wind deductible applies within 5 miles.
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4. Coastal hotel: Sprinklers added, value raised

    
The agent's request. Release the Seaglass Inn submission to quoting: a 60,000 sq ft hotel on the Texas coast, fully sprinklered, total insured value $12,400,000, protection class 3.

    
Verdict: Needs approval.

    
    
      
  • Coastal wind deductible too low. 3 miles from the coast with a 2.0% wind deductible. A minimum 5% wind deductible applies within 5 miles.
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  • Building value below replacement cost. Building value is 0.88 of the minimum replacement cost for Joisted masonry construction. Valuation review needed.
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5. Coastal hotel: Value and wind deductible both fixed

    
The agent's request. Release the Seaglass Inn submission to quoting: a 60,000 sq ft hotel on the Texas coast, fully sprinklered, total insured value $14,000,000, 5% wind deductible, protection class 3.

    
Verdict: Allowed.

    
6. Referral class: A 1974 heavy manufacturing plant

    
The agent's request. Release the Stonebridge Castings submission to quoting: a heavy manufacturing plant in Ohio, 90,000 sq ft, total insured value $22,000,000, protection class 4, fully sprinklered.

    
Verdict: Needs approval.

    
    
      
  • Referral class needs a senior underwriter. Heavy manufacturing is a referral class. A senior underwriter must review before quoting.
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  • Older building and systems. Built in 1974 with building systems last updated in 1990. Older buildings need underwriter review.
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7. Prohibited class: A sawmill

    
The agent's request. Release the Alder Hollow Mill submission to quoting.

    
Verdict: Blocked.

    
    
      
  • Class the carrier does not write. Sawmill or woodworking is a class Pinecrest does not write. The submission cannot be released to quoting.
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8. Over capacity: A $62 million tower

    
The agent's request. Release the Summit Tower submission to quoting.

    
Verdict: Blocked.

    
    
      
  • Insured value above single-location capacity. Total insured value $62000000.0 is above the $45000000 single-location capacity.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. Pinecrest Specialty lets an intake agent prepare commercial property submissions from brokers. Before any submission is released to quoting, the request goes to Predictika's Submission Appetite Validator. It checks class, construction, protection, values, location hazards, loss history and the packet itself against the carrier's appetite. Then it returns one verdict: allow, needs approval, or block, with every finding listed.
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  2. I will start with the first request by the agent.
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  3. The agent says. Release the Meadowbrook Commons submission to quoting: a retail center in Illinois, 38,000 sq ft, total insured value $8,200,000, protection class 4, fully sprinklered.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with three findings, all in one answer. The stated total insured value $8200000.0 does not match the $9100000.0 computed from the building, contents and business interruption values. The application is not signed. A signed application is required before quoting. Loss runs are 140 days old and cover 5 years. Current loss runs (75 days or newer) covering at least 3 years are required.
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  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the request are checked against each other.
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  7. What this shows: for stated value that does not match the parts; Frame building at the coast; Building value below replacement cost, a tool cannot do this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the insured value to stated $9,100,000 = building + contents + business interruption, the application to signed, the loss runs to 22 days old, 5 years covered and the everything else to unchanged from the first attempt.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All three earlier findings are cleared.
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  13. Three problems caught in one call, fixed in one pass, and a clean request. That is the value of Predictika's validator: catching mistakes before the action runs.
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