insurance-sync-policy-docs

insurance-sync-policy-docs

Trigger: Called by op-coverage-audit, op-renewal-watch, op-monthly-sync, or on-demand ("sync my policy docs").

What It Does

Brings vault policy records up to date by pulling the latest declarations page for every carrier the user has configured. Two paths, run in sequence per policy:

1. Portal-fetch path: For carriers with a working app-insurance-portal.portal recipe (most major US carriers — Progressive, GEICO, State Farm, Allstate, Nationwide, Liberty Mutual, Travelers, USAA, plus landlord/rental specialists), the flow logs in via cookie session, navigates to the documents area, and downloads the most recent declarations PDF into vault/insurance/00_current/inbox/.
2. Manual-upload path: For carriers without a portal recipe, smaller mutuals, supplemental policies, or anything MFA-locked, the flow surfaces a checklist of "policies expected, no fresh PDF found in last 12 months" and prompts the user to drop PDFs into vault/insurance/00_current/inbox/.

Either path lands a PDF in the inbox. The flow then calls task-extract-policy-terms for every PDF in the inbox, normalizes the record, and moves the source PDF to vault/insurance/00_current/policies/source/.

Steps

1. Read configured carriers and policy types from vault/insurance/config.md.
2. For each carrier with a portal recipe: invoke app-insurance-portal.portal to download the most recent declarations PDF.
3. For each carrier without a recipe: emit a manual-upload reminder line.
4. Process every PDF in vault/insurance/00_current/inbox/ through task-extract-policy-terms.
5. Move processed PDFs to vault/insurance/00_current/policies/source/.
6. Return a sync summary: policies refreshed, policies pending manual upload, errors.
7. Surface stale records (>12 months without a fresh PDF) via task-update-open-loops.

Configuration

vault/insurance/config.md:

• carriers — list with carrier name, policy type, and portal_supported: true|false
• manual_upload_only_carriers — explicit list of carriers the user knows must be manual

Error Handling

• Portal login fails or MFA required: Skip that carrier; emit manual-upload reminder.
• Inbox PDF unreadable: Hand off to task-extract-policy-terms error path.

Vault Paths

• Reads: ~/Documents/aireadylife/vault/insurance/config.md, ~/Documents/aireadylife/vault/insurance/00_current/inbox/
• Writes: ~/Documents/aireadylife/vault/insurance/00_current/policies/, ~/Documents/aireadylife/vault/insurance/00_current/policies/source/