Policy Renewal Risk Assessor
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
Inspect the data fetches, transforms, gates, and output this recipe runs.
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
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Output
checklist
risk_checklist
summary
summary_metrics
Settings
Configurable at install. Defaults shown — change them anytime in Recued.
renewal window days
number
=
60
claim lookback years
number
=
3
state non renewal notice days
number
=
30
Uses (5 ingredients)
Ingredient
policy-reader-hubspot
policy-reader-hubspot
Ingredient
claims-history-reader-hubspot
claims-history-reader-hubspot
Ingredient
payment-history-reader-hubspot
payment-history-reader-hubspot
Ingredient
coverage-changes-reader-hubspot
coverage-changes-reader-hubspot
Ingredient
property-changes-reader-hubspot
property-changes-reader-hubspot