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Policy Renewal Risk Assessor

by recued-core v1 context

Analyzes renewal risk factors 60 days pre-renewal. Computes weighted risk score, recommends action, and cites state notice requirements for non-renewal cases.

How it works

Data fetch
▼ policy policy-reader-hubspot
Fetch reader from hubspot
▼
Process (29 steps)
■ days_until_renewal date_diff
Calculate days between now and policy renewal date
■ outside_renewal_window any
Check if any of the conditions are true
⚠ guard_window guard
Stop if outside renewal window equals
■ claim_lookback_days math
Calculate: {{config.claim_lookback_years}} * 365
◆ claims claims-history-reader-hubspot
Fetch history reader from hubspot
◆ payment_history payment-history-reader-hubspot
Fetch history reader from hubspot
◆ coverage_changes coverage-changes-reader-hubspot
Fetch changes reader from hubspot
◆ property_changes property-changes-reader-hubspot
Fetch changes reader from hubspot
■ claim_count count
Count items in claims
■ claim_frequency_factor math
Calculate: {{step.claim_count}} * 15
■ total_claim_amount reduce
Reduce with sum
■ claim_severity_raw math
Calculate: ({{step.total_claim_amount}} / max({{step.policy.coverage_amount}}, 1)) * 100
skip: step.policy.coverage_amount less_or_equal 0
■ claim_severity_factor coalesce
Use the first available value from: claim severity raw, 0
■ payment_risk math
Calculate: 100 - {{step.payment_history.on_time_pct}}
■ count_coverage_changes count
Count items in coverage changes
■ count_property_changes count
Count items in property changes
■ total_material_changes math
Calculate: {{step.count_coverage_changes}} + {{step.count_property_changes}}
■ coverage_change_risk math
Calculate: {{step.total_material_changes}} * 10
■ renewal_risk weighted_score
Weighted score from: claim frequency factor (35%), claim severity factor (35%), payment risk (15%), coverage change risk (15%)
■ is_auto_renew compare
Check if renewal risk is less than 30
■ is_review all
Check if all conditions are true
■ is_non_renew compare
Check if renewal risk is greater than 70
■ action_auto switch
Map is auto renew to one of: true
■ action_review switch
Map is review to one of: true
■ action_non_renew switch
Map is non renew to one of: true
■ recommended_action coalesce
Use the first available value from: action auto, action review, action non renew
■ non_renew_notice_text template
Generate text from a template
skip: step.is_non_renew equal false
■ risk_checklist to_checklist
Format results as an actionable checklist
■ summary_metrics to_summary
Format results as a summary card
▼
Output
checklist risk_checklist
summary summary_metrics

Settings (3)

Configurable at install. Defaults shown — change anytime in the extension.

renewal window days number = 60
claim lookback years number = 3
state non renewal notice days number = 30

Tags

hubspot insurancepolicyrenewalrisk-assessmentcompliance

Details

30 steps 3 configurable settings recipe_id: assess-renewal-risk-policy-insurance

Install

Install in Recued View publisher Open Kitchen

If the webclient is not paired yet, copy assess-renewal-risk-policy-insurance and paste it after pairing.