insurance-property-coverage-sync

insurance-property-coverage-sync

Trigger phrases:

• "property coverage check"
• "is my home coverage still right"
• "dwelling coverage review"
• "replacement cost check"

Cadence: Annual; rerun on major renovation.

Scope Gate

Reads scope from vault/insurance/config.md. If scope: renter and no rental properties are listed, this op exits with a single line: "You're configured as a renter — property coverage sync isn't applicable. Personal property coverage is reviewed in op-coverage-audit."

What It Does

Replacement cost diverges from market value, especially in appreciated markets. A $700K home in an appreciated market may have a $400K rebuild cost; a $300K home in a high-construction-cost area may have a $450K rebuild cost. Most homeowners and landlord policies enforce an 80% coinsurance clause: if dwelling coverage at the time of loss is less than 80% of replacement cost, the insurer pays only a proportional share of partial losses.

Per property in scope:

• Pull a replacement-cost estimate. Three sources, in order: (1) the carrier's stated replacement cost on the most recent declarations page; (2) a contractor or appraisal estimate if available in vault/home/ or vault/real-estate/; (3) a square-footage × $/sq ft default ($150-$300/sq ft based on construction quality and metro from config).
• Compare current dwelling coverage limit to estimated replacement cost.
• Compute coverage-to-replacement ratio and flag coinsurance risk if <80%.
• Recommend a target dwelling coverage limit at 100% of estimated replacement cost (or 125% if the policy offers guaranteed replacement endorsement).
• Estimate the premium delta to close the gap (typically $10-$25/year per $10,000 of additional dwelling coverage).

Steps

1. Confirm scope is not renter-only.
2. Read property list from vault/insurance/config.md (and from vault/home/, vault/real-estate/ if they exist).
3. For each property: read the current homeowners or landlord policy from vault/insurance/00_current/policies/.
4. Pull replacement cost: declarations page first, then vault/home/00_current/replacement-cost-estimate.md or vault/real-estate/00_current/{property}/replacement-cost-estimate.md, then sq-ft × $/sq ft default.
5. Compute ratio and severity (significant <65%, moderate 65-80%, no flag ≥80%).
6. Write a per-property report to vault/insurance/02_briefs/property-coverage-{YYYY}/{property-slug}.md.
7. Call task-flag-coverage-gap for each flagged property.
8. Call task-update-open-loops.
9. Optionally call task-sync-to-cross-agents to propagate the updated dwelling coverage to home/real-estate vaults.

Configuration

vault/insurance/config.md:

• scope — renter | homeowner | landlord | homeowner+landlord
• properties — list of {address, sq_ft, construction_quality, metro_cost_psf, flood_zone, earthquake_zone}
• replacement_cost_default_psf — fallback (default $200)

Error Handling

• No declarations replacement cost AND no appraisal AND missing sq footage: Skip the property and surface a one-line prompt requesting sq footage.
• Property listed in config but no policy in vault: Flag as MISSING-POLICY.

Vault Paths

• Reads: ~/Documents/aireadylife/vault/insurance/00_current/policies/, ~/Documents/aireadylife/vault/insurance/config.md, optional ~/Documents/aireadylife/vault/home/, ~/Documents/aireadylife/vault/real-estate/
• Writes: ~/Documents/aireadylife/vault/insurance/02_briefs/property-coverage-{YYYY}/, ~/Documents/aireadylife/vault/insurance/open-loops.md