GOLD-10

extraction-prompts · run 2026-10-20-v6

What the broker wrote

What every version was given, as the suite chose to show it.

Broker: Gary Novak, Novak & Associates

Team,

Rush submission — insured's coverage lapses Friday. Seabreeze Duplexes LLC, 12 units of duplex-style rentals on Ocean View Dr (the insured says the mailing address is the manager's office, schedule has the property address). Frame construction, built around 2005 per the insured, though the county record the manager pulled says 1988.

No current appraisal — values are being updated, appraiser on site next week. Prior carrier non-renewed after the storm season. The insured says losses were minor cosmetic damage only.

Schedule from the property manager attached. Can you get me anything bindable by Thursday?

Gary Novak
Novak & Associates

ATTACHMENT:
location,address,state,county,units,construction,year_built,tiv
1,118 Ocean View Dr,,,4,Frame,1988,
2,122 Ocean View Dr,,,4,Frame,1988,
note: manager schedule shows 8 units total across 2 locations; state/county fields left blank by manager; values pending appraisal

What each version answered

Compare each answer with the expert's answer. Highlighted cells differ from the expert; marked rows show where the versions disagree.

Field	Expected	Current prompt v3	New prompt v6
state	Not provided	Not providedMatches the expert	Not providedMatches the expert
tiv	Not provided	Not providedMatches the expert	Not providedMatches the expert
DecisionVersions disagree	send to an underwriter REFERRED	follow up with the broker INCOMPLETEDiffers from the expert	send to an underwriter REFERREDMatches the expert

For engineers

Checks are the suite's binary checks on each output; a judge that gave no verdict is unanswered and not counted.

v1

result: ok
prompt tokens: 4,510
output tokens: 1,765
cost: $0.0306
latency: 19,768 ms · 3 calls
at: 2026-10-21 01:04
stages: intake extraction grounding appetite
decision: REFERRED
fitScore: 42
retries: 0
fieldsWrong: 0
modelErrors

check	verdict
extraction_schema	pass
fields_correct	pass
construction_canonical	not applicable
nulls_stay_null	pass
decision_correct	pass
attribution_jev	unanswered
attribution_claude	fail

{
 "decision": "REFERRED",
 "expectedDecision": "REFERRED",
 "decisionCorrect": true,
 "fitScore": 42,
 "confidence": 0.528,
 "reasons": [
  "email states 12 units, attachment schedule totals 8",
  "aggregate confidence 53% below 70% threshold",
  "missing required fields: state, TIV (total insured value)"
 ],
 "extraction": {
  "insuredName": {
   "value": "Seabreeze Duplexes LLC",
   "confidence": 0.97,
   "source": "email"
  },
  "propertyAddress": {
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "confidence": 0.75,
   "source": "both"
  },
  "state": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "county": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "units": {
   "value": 12,
   "confidence": 0.3,
   "source": "email"
  },
  "tiv": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "constructionType": {
   "value": "Frame",
   "confidence": 0.95,
   "source": "both"
  },
  "yearBuilt": {
   "value": 1988,
   "confidence": 0.6,
   "source": "both"
  },
  "targetPremium": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "subclass": {
   "value": "Duplex/fourplex schedule",
   "confidence": 0.8,
   "source": "both"
  },
  "priorLossSummary": {
   "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
   "confidence": 0.4,
   "source": "email"
  }
 },
 "extracted": [
  {
   "field": "insuredName",
   "value": "Seabreeze Duplexes LLC",
   "source": "email"
  },
  {
   "field": "propertyAddress",
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "source": "both"
  },
  {
   "field": "units",
   "value": 12,
   "source": "email"
  },
  {
   "field": "constructionType",
   "value": "Frame",
   "source": "both"
  },
  {
   "field": "yearBuilt",
   "value": 1988,
   "source": "both"
  },
  {
   "field": "subclass",
   "value": "Duplex/fourplex schedule",
   "source": "both"
  },
  {
   "field": "priorLossSummary",
   "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
   "source": "email"
  }
 ],
 "fields": [
  {
   "field": "state",
   "expected": null,
   "got": null,
   "correct": true
  },
  {
   "field": "tiv",
   "expected": null,
   "got": null,
   "correct": true
  }
 ],
 "retries": 0,
 "guardrails": [
  {
   "node": "extraction",
   "guardrail": "schema",
   "status": "pass"
  },
  {
   "node": "grounding",
   "guardrail": "grounding",
   "status": "trip"
  },
  {
   "node": "appetite",
   "guardrail": "missing_fields",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "confidence",
   "status": "trip"
  }
 ],
 "flags": [
  {
   "field": "units",
   "issue": "contradiction",
   "detail": "email states 12 units, attachment schedule totals 8"
  },
  {
   "field": "propertyAddress",
   "issue": "ambiguous",
   "detail": "address has no resolvable state or county — cannot place the risk"
  },
  {
   "field": "units",
   "issue": "contradiction",
   "detail": "Broker email says 12 units, but the attachment note says the manager's schedule shows 8 units total (4+4)."
  },
  {
   "field": "yearBuilt",
   "issue": "contradiction",
   "detail": "Insured says around 2005 per the email, while the county record and attachment schedule say 1988; the value 1988 matches the county record and schedule but the sources conflict."
  },
  {
   "field": "subclass",
   "issue": "ambiguous",
   "detail": "not clearly supported by source: No source states this subclass label; it is inferred from the 'duplex-style' description, and the schedule shows 4-unit locations."
  },
  {
   "field": "state",
   "issue": "missing",
   "detail": "state is required by the appetite ruleset"
  },
  {
   "field": "tiv",
   "issue": "missing",
   "detail": "TIV (total insured value) is required by the appetite ruleset"
  }
 ]
}

Trace line (JSON)

{
  "run_id": "2026-10-20-v6",
  "suite": "extraction-prompts",
  "case_id": "GOLD-10",
  "variant": "v1",
  "at": "2026-10-21T01:04:36.725Z",
  "ok": true,
  "usage": {
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    "cacheCreationTokens": 3195,
    "latencyMs": 19768,
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  },
  "checks": {
    "extraction_schema": true,
    "fields_correct": true,
    "nulls_stay_null": true,
    "decision_correct": true,
    "attribution_claude": false
  },
  "output_hash": "f176735383cd8554",
  "unanswered": [
    "attribution_jev"
  ],
  "extra": {
    "decision": "REFERRED",
    "fitScore": 42,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ],
  "cached": false
}

Full output record (JSON)

{
  "output": {
    "decision": "REFERRED",
    "expectedDecision": "REFERRED",
    "decisionCorrect": true,
    "fitScore": 42,
    "confidence": 0.528,
    "reasons": [
      "email states 12 units, attachment schedule totals 8",
      "aggregate confidence 53% below 70% threshold",
      "missing required fields: state, TIV (total insured value)"
    ],
    "extraction": {
      "insuredName": {
        "value": "Seabreeze Duplexes LLC",
        "confidence": 0.97,
        "source": "email"
      },
      "propertyAddress": {
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "confidence": 0.75,
        "source": "both"
      },
      "state": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "county": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "units": {
        "value": 12,
        "confidence": 0.3,
        "source": "email"
      },
      "tiv": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "constructionType": {
        "value": "Frame",
        "confidence": 0.95,
        "source": "both"
      },
      "yearBuilt": {
        "value": 1988,
        "confidence": 0.6,
        "source": "both"
      },
      "targetPremium": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "subclass": {
        "value": "Duplex/fourplex schedule",
        "confidence": 0.8,
        "source": "both"
      },
      "priorLossSummary": {
        "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
        "confidence": 0.4,
        "source": "email"
      }
    },
    "extracted": [
      {
        "field": "insuredName",
        "value": "Seabreeze Duplexes LLC",
        "source": "email"
      },
      {
        "field": "propertyAddress",
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "source": "both"
      },
      {
        "field": "units",
        "value": 12,
        "source": "email"
      },
      {
        "field": "constructionType",
        "value": "Frame",
        "source": "both"
      },
      {
        "field": "yearBuilt",
        "value": 1988,
        "source": "both"
      },
      {
        "field": "subclass",
        "value": "Duplex/fourplex schedule",
        "source": "both"
      },
      {
        "field": "priorLossSummary",
        "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
        "source": "email"
      }
    ],
    "fields": [
      {
        "field": "state",
        "expected": null,
        "got": null,
        "correct": true
      },
      {
        "field": "tiv",
        "expected": null,
        "got": null,
        "correct": true
      }
    ],
    "retries": 0,
    "guardrails": [
      {
        "node": "extraction",
        "guardrail": "schema",
        "status": "pass"
      },
      {
        "node": "grounding",
        "guardrail": "grounding",
        "status": "trip"
      },
      {
        "node": "appetite",
        "guardrail": "missing_fields",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "confidence",
        "status": "trip"
      }
    ],
    "flags": [
      {
        "field": "units",
        "issue": "contradiction",
        "detail": "email states 12 units, attachment schedule totals 8"
      },
      {
        "field": "propertyAddress",
        "issue": "ambiguous",
        "detail": "address has no resolvable state or county — cannot place the risk"
      },
      {
        "field": "units",
        "issue": "contradiction",
        "detail": "Broker email says 12 units, but the attachment note says the manager's schedule shows 8 units total (4+4)."
      },
      {
        "field": "yearBuilt",
        "issue": "contradiction",
        "detail": "Insured says around 2005 per the email, while the county record and attachment schedule say 1988; the value 1988 matches the county record and schedule but the sources conflict."
      },
      {
        "field": "subclass",
        "issue": "ambiguous",
        "detail": "not clearly supported by source: No source states this subclass label; it is inferred from the 'duplex-style' description, and the schedule shows 4-unit locations."
      },
      {
        "field": "state",
        "issue": "missing",
        "detail": "state is required by the appetite ruleset"
      },
      {
        "field": "tiv",
        "issue": "missing",
        "detail": "TIV (total insured value) is required by the appetite ruleset"
      }
    ]
  },
  "usage": {
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    "calls": 3,
    "metered": true,
    "provider": "claude-cli"
  },
  "extra": {
    "decision": "REFERRED",
    "fitScore": 42,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ]
}

v2

result: ok
prompt tokens: 4,888
output tokens: 1,543
cost: $0.0159
latency: 16,877 ms · 3 calls
at: 2026-10-21 01:04
stages: intake extraction grounding appetite
decision: REFERRED
fitScore: 35
retries: 0
fieldsWrong: 0
modelErrors

check	verdict
extraction_schema	pass
fields_correct	pass
construction_canonical	not applicable
nulls_stay_null	pass
decision_correct	pass
attribution_jev	unanswered
attribution_claude	fail

{
 "decision": "REFERRED",
 "expectedDecision": "REFERRED",
 "decisionCorrect": true,
 "fitScore": 35,
 "confidence": 0.6475000000000001,
 "reasons": [
  "aggregate confidence 65% below 70% threshold",
  "missing required fields: state, unit count, TIV (total insured value)"
 ],
 "extraction": {
  "insuredName": {
   "value": "Seabreeze Duplexes LLC",
   "confidence": 0.95,
   "source": "email"
  },
  "propertyAddress": {
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "confidence": 0.85,
   "source": "both"
  },
  "state": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "county": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "units": {
   "value": null,
   "confidence": 0.2,
   "source": "both"
  },
  "tiv": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "constructionType": {
   "value": "Frame",
   "confidence": 0.95,
   "source": "both"
  },
  "yearBuilt": {
   "value": 1988,
   "confidence": 0.6,
   "source": "both"
  },
  "targetPremium": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "subclass": {
   "value": "Duplex/fourplex schedule",
   "confidence": 0.75,
   "source": "both"
  },
  "priorLossSummary": {
   "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
   "confidence": 0.6,
   "source": "email"
  }
 },
 "extracted": [
  {
   "field": "insuredName",
   "value": "Seabreeze Duplexes LLC",
   "source": "email"
  },
  {
   "field": "propertyAddress",
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "source": "both"
  },
  {
   "field": "constructionType",
   "value": "Frame",
   "source": "both"
  },
  {
   "field": "yearBuilt",
   "value": 1988,
   "source": "both"
  },
  {
   "field": "subclass",
   "value": "Duplex/fourplex schedule",
   "source": "both"
  },
  {
   "field": "priorLossSummary",
   "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
   "source": "email"
  }
 ],
 "fields": [
  {
   "field": "state",
   "expected": null,
   "got": null,
   "correct": true
  },
  {
   "field": "tiv",
   "expected": null,
   "got": null,
   "correct": true
  }
 ],
 "retries": 0,
 "guardrails": [
  {
   "node": "extraction",
   "guardrail": "schema",
   "status": "pass"
  },
  {
   "node": "grounding",
   "guardrail": "grounding",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "missing_fields",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "confidence",
   "status": "trip"
  }
 ],
 "flags": [
  {
   "field": "propertyAddress",
   "issue": "ambiguous",
   "detail": "address has no resolvable state or county — cannot place the risk"
  },
  {
   "field": "yearBuilt",
   "issue": "contradiction",
   "detail": "Attachment and county record say 1988, but the insured says around 2005 in the email; the sources conflict, so 1988 is a choice between them and not a single stated value."
  },
  {
   "field": "state",
   "issue": "missing",
   "detail": "state is required by the appetite ruleset"
  },
  {
   "field": "units",
   "issue": "missing",
   "detail": "unit count is required by the appetite ruleset"
  },
  {
   "field": "tiv",
   "issue": "missing",
   "detail": "TIV (total insured value) is required by the appetite ruleset"
  }
 ]
}

Trace line (JSON)

{
  "run_id": "2026-10-20-v6",
  "suite": "extraction-prompts",
  "case_id": "GOLD-10",
  "variant": "v2",
  "at": "2026-10-21T01:04:02.253Z",
  "ok": true,
  "usage": {
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    "latencyMs": 16877,
    "metered": true,
    "provider": "claude-cli"
  },
  "checks": {
    "extraction_schema": true,
    "fields_correct": true,
    "nulls_stay_null": true,
    "decision_correct": true,
    "attribution_claude": false
  },
  "output_hash": "3dcb2350e48a8f04",
  "unanswered": [
    "attribution_jev"
  ],
  "extra": {
    "decision": "REFERRED",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
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      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ],
  "cached": false
}

Full output record (JSON)

{
  "output": {
    "decision": "REFERRED",
    "expectedDecision": "REFERRED",
    "decisionCorrect": true,
    "fitScore": 35,
    "confidence": 0.6475000000000001,
    "reasons": [
      "aggregate confidence 65% below 70% threshold",
      "missing required fields: state, unit count, TIV (total insured value)"
    ],
    "extraction": {
      "insuredName": {
        "value": "Seabreeze Duplexes LLC",
        "confidence": 0.95,
        "source": "email"
      },
      "propertyAddress": {
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "confidence": 0.85,
        "source": "both"
      },
      "state": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "county": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "units": {
        "value": null,
        "confidence": 0.2,
        "source": "both"
      },
      "tiv": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "constructionType": {
        "value": "Frame",
        "confidence": 0.95,
        "source": "both"
      },
      "yearBuilt": {
        "value": 1988,
        "confidence": 0.6,
        "source": "both"
      },
      "targetPremium": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "subclass": {
        "value": "Duplex/fourplex schedule",
        "confidence": 0.75,
        "source": "both"
      },
      "priorLossSummary": {
        "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
        "confidence": 0.6,
        "source": "email"
      }
    },
    "extracted": [
      {
        "field": "insuredName",
        "value": "Seabreeze Duplexes LLC",
        "source": "email"
      },
      {
        "field": "propertyAddress",
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "source": "both"
      },
      {
        "field": "constructionType",
        "value": "Frame",
        "source": "both"
      },
      {
        "field": "yearBuilt",
        "value": 1988,
        "source": "both"
      },
      {
        "field": "subclass",
        "value": "Duplex/fourplex schedule",
        "source": "both"
      },
      {
        "field": "priorLossSummary",
        "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
        "source": "email"
      }
    ],
    "fields": [
      {
        "field": "state",
        "expected": null,
        "got": null,
        "correct": true
      },
      {
        "field": "tiv",
        "expected": null,
        "got": null,
        "correct": true
      }
    ],
    "retries": 0,
    "guardrails": [
      {
        "node": "extraction",
        "guardrail": "schema",
        "status": "pass"
      },
      {
        "node": "grounding",
        "guardrail": "grounding",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "missing_fields",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "confidence",
        "status": "trip"
      }
    ],
    "flags": [
      {
        "field": "propertyAddress",
        "issue": "ambiguous",
        "detail": "address has no resolvable state or county — cannot place the risk"
      },
      {
        "field": "yearBuilt",
        "issue": "contradiction",
        "detail": "Attachment and county record say 1988, but the insured says around 2005 in the email; the sources conflict, so 1988 is a choice between them and not a single stated value."
      },
      {
        "field": "state",
        "issue": "missing",
        "detail": "state is required by the appetite ruleset"
      },
      {
        "field": "units",
        "issue": "missing",
        "detail": "unit count is required by the appetite ruleset"
      },
      {
        "field": "tiv",
        "issue": "missing",
        "detail": "TIV (total insured value) is required by the appetite ruleset"
      }
    ]
  },
  "usage": {
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    "calls": 3,
    "metered": true,
    "provider": "claude-cli"
  },
  "extra": {
    "decision": "REFERRED",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ]
}

v3

result: ok
prompt tokens: 5,202
output tokens: 1,673
cost: $0.0173
latency: 18,232 ms · 3 calls
at: 2026-10-21 01:04
stages: intake extraction grounding appetite
decision: INCOMPLETE
fitScore: 35
retries: 0
fieldsWrong: 0
modelErrors

check	verdict
extraction_schema	pass
fields_correct	pass
construction_canonical	not applicable
nulls_stay_null	pass
decision_correct	fail
attribution_jev	unanswered
attribution_claude	fail

{
 "decision": "INCOMPLETE",
 "expectedDecision": "REFERRED",
 "decisionCorrect": false,
 "fitScore": 35,
 "confidence": 0.745,
 "reasons": [
  "state",
  "unit count",
  "TIV (total insured value)"
 ],
 "extraction": {
  "insuredName": {
   "value": "Seabreeze Duplexes LLC",
   "confidence": 0.95,
   "source": "email"
  },
  "propertyAddress": {
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "confidence": 0.8,
   "source": "attachment"
  },
  "state": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "county": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "units": {
   "value": null,
   "confidence": 0.2,
   "source": null
  },
  "tiv": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "constructionType": {
   "value": "Frame",
   "confidence": 0.95,
   "source": "both"
  },
  "yearBuilt": {
   "value": 1988,
   "confidence": 0.6,
   "source": "both"
  },
  "targetPremium": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "subclass": {
   "value": "Duplex/fourplex schedule",
   "confidence": 0.8,
   "source": "email"
  },
  "priorLossSummary": {
   "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
   "confidence": 0.5,
   "source": "email"
  }
 },
 "extracted": [
  {
   "field": "insuredName",
   "value": "Seabreeze Duplexes LLC",
   "source": "email"
  },
  {
   "field": "propertyAddress",
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "source": "attachment"
  },
  {
   "field": "constructionType",
   "value": "Frame",
   "source": "both"
  },
  {
   "field": "yearBuilt",
   "value": 1988,
   "source": "both"
  },
  {
   "field": "subclass",
   "value": "Duplex/fourplex schedule",
   "source": "email"
  },
  {
   "field": "priorLossSummary",
   "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
   "source": "email"
  }
 ],
 "fields": [
  {
   "field": "state",
   "expected": null,
   "got": null,
   "correct": true
  },
  {
   "field": "tiv",
   "expected": null,
   "got": null,
   "correct": true
  }
 ],
 "retries": 0,
 "guardrails": [
  {
   "node": "extraction",
   "guardrail": "schema",
   "status": "pass"
  },
  {
   "node": "grounding",
   "guardrail": "grounding",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "missing_fields",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "confidence",
   "status": "pass"
  }
 ],
 "flags": [
  {
   "field": "propertyAddress",
   "issue": "ambiguous",
   "detail": "address has no resolvable state or county — cannot place the risk"
  },
  {
   "field": "subclass",
   "issue": "ambiguous",
   "detail": "not clearly supported by source: Email describes 12 duplex-style units; no source uses a 'Duplex/fourplex schedule' classification, and the attachment lists 4 units per location, which is inconsistent with duplexes."
  },
  {
   "field": "state",
   "issue": "missing",
   "detail": "state is required by the appetite ruleset"
  },
  {
   "field": "units",
   "issue": "missing",
   "detail": "unit count is required by the appetite ruleset"
  },
  {
   "field": "tiv",
   "issue": "missing",
   "detail": "TIV (total insured value) is required by the appetite ruleset"
  }
 ]
}

Trace line (JSON)

{
  "run_id": "2026-10-20-v6",
  "suite": "extraction-prompts",
  "case_id": "GOLD-10",
  "variant": "v3",
  "at": "2026-10-21T01:04:09.131Z",
  "ok": true,
  "usage": {
    "inputTokens": 6,
    "outputTokens": 1673,
    "costUsd": 0.017261600000000002,
    "calls": 3,
    "cacheReadTokens": 5196,
    "cacheCreationTokens": 0,
    "latencyMs": 18232,
    "metered": true,
    "provider": "claude-cli"
  },
  "checks": {
    "extraction_schema": true,
    "fields_correct": true,
    "nulls_stay_null": true,
    "decision_correct": false,
    "attribution_claude": false
  },
  "output_hash": "1f553409448a30b7",
  "unanswered": [
    "attribution_jev"
  ],
  "extra": {
    "decision": "INCOMPLETE",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": false,
      "detail": "INCOMPLETE (want REFERRED)"
    }
  ],
  "cached": false
}

Full output record (JSON)

{
  "output": {
    "decision": "INCOMPLETE",
    "expectedDecision": "REFERRED",
    "decisionCorrect": false,
    "fitScore": 35,
    "confidence": 0.745,
    "reasons": [
      "state",
      "unit count",
      "TIV (total insured value)"
    ],
    "extraction": {
      "insuredName": {
        "value": "Seabreeze Duplexes LLC",
        "confidence": 0.95,
        "source": "email"
      },
      "propertyAddress": {
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "confidence": 0.8,
        "source": "attachment"
      },
      "state": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "county": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "units": {
        "value": null,
        "confidence": 0.2,
        "source": null
      },
      "tiv": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "constructionType": {
        "value": "Frame",
        "confidence": 0.95,
        "source": "both"
      },
      "yearBuilt": {
        "value": 1988,
        "confidence": 0.6,
        "source": "both"
      },
      "targetPremium": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "subclass": {
        "value": "Duplex/fourplex schedule",
        "confidence": 0.8,
        "source": "email"
      },
      "priorLossSummary": {
        "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
        "confidence": 0.5,
        "source": "email"
      }
    },
    "extracted": [
      {
        "field": "insuredName",
        "value": "Seabreeze Duplexes LLC",
        "source": "email"
      },
      {
        "field": "propertyAddress",
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "source": "attachment"
      },
      {
        "field": "constructionType",
        "value": "Frame",
        "source": "both"
      },
      {
        "field": "yearBuilt",
        "value": 1988,
        "source": "both"
      },
      {
        "field": "subclass",
        "value": "Duplex/fourplex schedule",
        "source": "email"
      },
      {
        "field": "priorLossSummary",
        "value": "Insured states losses were minor cosmetic damage only (unverified). Prior carrier non-renewed after storm season.",
        "source": "email"
      }
    ],
    "fields": [
      {
        "field": "state",
        "expected": null,
        "got": null,
        "correct": true
      },
      {
        "field": "tiv",
        "expected": null,
        "got": null,
        "correct": true
      }
    ],
    "retries": 0,
    "guardrails": [
      {
        "node": "extraction",
        "guardrail": "schema",
        "status": "pass"
      },
      {
        "node": "grounding",
        "guardrail": "grounding",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "missing_fields",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "confidence",
        "status": "pass"
      }
    ],
    "flags": [
      {
        "field": "propertyAddress",
        "issue": "ambiguous",
        "detail": "address has no resolvable state or county — cannot place the risk"
      },
      {
        "field": "subclass",
        "issue": "ambiguous",
        "detail": "not clearly supported by source: Email describes 12 duplex-style units; no source uses a 'Duplex/fourplex schedule' classification, and the attachment lists 4 units per location, which is inconsistent with duplexes."
      },
      {
        "field": "state",
        "issue": "missing",
        "detail": "state is required by the appetite ruleset"
      },
      {
        "field": "units",
        "issue": "missing",
        "detail": "unit count is required by the appetite ruleset"
      },
      {
        "field": "tiv",
        "issue": "missing",
        "detail": "TIV (total insured value) is required by the appetite ruleset"
      }
    ]
  },
  "usage": {
    "inputTokens": 6,
    "cacheReadTokens": 5196,
    "cacheCreationTokens": 0,
    "outputTokens": 1673,
    "costUsd": 0.017261600000000002,
    "latencyMs": 18232,
    "calls": 3,
    "metered": true,
    "provider": "claude-cli"
  },
  "extra": {
    "decision": "INCOMPLETE",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": false,
      "detail": "INCOMPLETE (want REFERRED)"
    }
  ]
}

v3-repeat

result: ok
prompt tokens: 5,218
output tokens: 1,627
cost: $0.0291
latency: 17,548 ms · 3 calls
at: 2026-10-21 01:04
stages: intake extraction grounding appetite
decision: REFERRED
fitScore: 35
retries: 0
fieldsWrong: 0
modelErrors

check	verdict
extraction_schema	pass
fields_correct	pass
construction_canonical	not applicable
nulls_stay_null	pass
decision_correct	pass
attribution_jev	unanswered
attribution_claude	fail

{
 "decision": "REFERRED",
 "expectedDecision": "REFERRED",
 "decisionCorrect": true,
 "fitScore": 35,
 "confidence": 0.63,
 "reasons": [
  "aggregate confidence 63% below 70% threshold",
  "missing required fields: state, unit count, TIV (total insured value)"
 ],
 "extraction": {
  "insuredName": {
   "value": "Seabreeze Duplexes LLC",
   "confidence": 0.97,
   "source": "email"
  },
  "propertyAddress": {
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "confidence": 0.7,
   "source": "both"
  },
  "state": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "county": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "units": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "tiv": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "constructionType": {
   "value": "Frame",
   "confidence": 0.95,
   "source": "both"
  },
  "yearBuilt": {
   "value": 1988,
   "confidence": 0.6,
   "source": "both"
  },
  "targetPremium": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "subclass": {
   "value": "Duplex/fourplex schedule",
   "confidence": 0.8,
   "source": "email"
  },
  "priorLossSummary": {
   "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season. Unverified, no loss runs provided.",
   "confidence": 0.5,
   "source": "email"
  }
 },
 "extracted": [
  {
   "field": "insuredName",
   "value": "Seabreeze Duplexes LLC",
   "source": "email"
  },
  {
   "field": "propertyAddress",
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "source": "both"
  },
  {
   "field": "constructionType",
   "value": "Frame",
   "source": "both"
  },
  {
   "field": "yearBuilt",
   "value": 1988,
   "source": "both"
  },
  {
   "field": "subclass",
   "value": "Duplex/fourplex schedule",
   "source": "email"
  },
  {
   "field": "priorLossSummary",
   "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season. Unverified, no loss runs provided.",
   "source": "email"
  }
 ],
 "fields": [
  {
   "field": "state",
   "expected": null,
   "got": null,
   "correct": true
  },
  {
   "field": "tiv",
   "expected": null,
   "got": null,
   "correct": true
  }
 ],
 "retries": 0,
 "guardrails": [
  {
   "node": "extraction",
   "guardrail": "schema",
   "status": "pass"
  },
  {
   "node": "grounding",
   "guardrail": "grounding",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "missing_fields",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "confidence",
   "status": "trip"
  }
 ],
 "flags": [
  {
   "field": "propertyAddress",
   "issue": "ambiguous",
   "detail": "address has no resolvable state or county — cannot place the risk"
  },
  {
   "field": "yearBuilt",
   "issue": "contradiction",
   "detail": "Attachment and county record say 1988, but the insured says around 2005 in the email; the value is a choice between conflicting sources, with 1988 matching the county record and schedule."
  },
  {
   "field": "subclass",
   "issue": "ambiguous",
   "detail": "not clearly supported by source: No source uses this classification; duplex-style rentals are described, but a 'Duplex/fourplex schedule' label is an inference, and the schedule shows 4-unit locations."
  },
  {
   "field": "state",
   "issue": "missing",
   "detail": "state is required by the appetite ruleset"
  },
  {
   "field": "units",
   "issue": "missing",
   "detail": "unit count is required by the appetite ruleset"
  },
  {
   "field": "tiv",
   "issue": "missing",
   "detail": "TIV (total insured value) is required by the appetite ruleset"
  }
 ]
}

Trace line (JSON)

{
  "run_id": "2026-10-20-v6",
  "suite": "extraction-prompts",
  "case_id": "GOLD-10",
  "variant": "v3-repeat",
  "at": "2026-10-21T01:04:10.853Z",
  "ok": true,
  "usage": {
    "inputTokens": 6,
    "outputTokens": 1627,
    "costUsd": 0.0291077,
    "calls": 3,
    "cacheReadTokens": 2057,
    "cacheCreationTokens": 3155,
    "latencyMs": 17548,
    "metered": true,
    "provider": "claude-cli"
  },
  "checks": {
    "extraction_schema": true,
    "fields_correct": true,
    "nulls_stay_null": true,
    "decision_correct": true,
    "attribution_claude": false
  },
  "output_hash": "3580b78dccd4bb5d",
  "unanswered": [
    "attribution_jev"
  ],
  "extra": {
    "decision": "REFERRED",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ],
  "cached": false
}

Full output record (JSON)

{
  "output": {
    "decision": "REFERRED",
    "expectedDecision": "REFERRED",
    "decisionCorrect": true,
    "fitScore": 35,
    "confidence": 0.63,
    "reasons": [
      "aggregate confidence 63% below 70% threshold",
      "missing required fields: state, unit count, TIV (total insured value)"
    ],
    "extraction": {
      "insuredName": {
        "value": "Seabreeze Duplexes LLC",
        "confidence": 0.97,
        "source": "email"
      },
      "propertyAddress": {
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "confidence": 0.7,
        "source": "both"
      },
      "state": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "county": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "units": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "tiv": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "constructionType": {
        "value": "Frame",
        "confidence": 0.95,
        "source": "both"
      },
      "yearBuilt": {
        "value": 1988,
        "confidence": 0.6,
        "source": "both"
      },
      "targetPremium": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "subclass": {
        "value": "Duplex/fourplex schedule",
        "confidence": 0.8,
        "source": "email"
      },
      "priorLossSummary": {
        "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season. Unverified, no loss runs provided.",
        "confidence": 0.5,
        "source": "email"
      }
    },
    "extracted": [
      {
        "field": "insuredName",
        "value": "Seabreeze Duplexes LLC",
        "source": "email"
      },
      {
        "field": "propertyAddress",
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "source": "both"
      },
      {
        "field": "constructionType",
        "value": "Frame",
        "source": "both"
      },
      {
        "field": "yearBuilt",
        "value": 1988,
        "source": "both"
      },
      {
        "field": "subclass",
        "value": "Duplex/fourplex schedule",
        "source": "email"
      },
      {
        "field": "priorLossSummary",
        "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season. Unverified, no loss runs provided.",
        "source": "email"
      }
    ],
    "fields": [
      {
        "field": "state",
        "expected": null,
        "got": null,
        "correct": true
      },
      {
        "field": "tiv",
        "expected": null,
        "got": null,
        "correct": true
      }
    ],
    "retries": 0,
    "guardrails": [
      {
        "node": "extraction",
        "guardrail": "schema",
        "status": "pass"
      },
      {
        "node": "grounding",
        "guardrail": "grounding",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "missing_fields",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "confidence",
        "status": "trip"
      }
    ],
    "flags": [
      {
        "field": "propertyAddress",
        "issue": "ambiguous",
        "detail": "address has no resolvable state or county — cannot place the risk"
      },
      {
        "field": "yearBuilt",
        "issue": "contradiction",
        "detail": "Attachment and county record say 1988, but the insured says around 2005 in the email; the value is a choice between conflicting sources, with 1988 matching the county record and schedule."
      },
      {
        "field": "subclass",
        "issue": "ambiguous",
        "detail": "not clearly supported by source: No source uses this classification; duplex-style rentals are described, but a 'Duplex/fourplex schedule' label is an inference, and the schedule shows 4-unit locations."
      },
      {
        "field": "state",
        "issue": "missing",
        "detail": "state is required by the appetite ruleset"
      },
      {
        "field": "units",
        "issue": "missing",
        "detail": "unit count is required by the appetite ruleset"
      },
      {
        "field": "tiv",
        "issue": "missing",
        "detail": "TIV (total insured value) is required by the appetite ruleset"
      }
    ]
  },
  "usage": {
    "inputTokens": 6,
    "cacheReadTokens": 2057,
    "cacheCreationTokens": 3155,
    "outputTokens": 1627,
    "costUsd": 0.0291077,
    "latencyMs": 17548,
    "calls": 3,
    "metered": true,
    "provider": "claude-cli"
  },
  "extra": {
    "decision": "REFERRED",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ]
}

v4

result: ok
prompt tokens: 5,461
output tokens: 1,933
cost: $0.0323
latency: 20,461 ms · 3 calls
at: 2026-10-21 01:04
stages: intake extraction grounding appetite
decision: REFERRED
fitScore: 42
retries: 0
fieldsWrong: 0
modelErrors

check	verdict
extraction_schema	pass
fields_correct	pass
construction_canonical	not applicable
nulls_stay_null	pass
decision_correct	pass
attribution_jev	unanswered
attribution_claude	fail

{
 "decision": "REFERRED",
 "expectedDecision": "REFERRED",
 "decisionCorrect": true,
 "fitScore": 42,
 "confidence": 0.542,
 "reasons": [
  "aggregate confidence 54% below 70% threshold",
  "missing required fields: state, TIV (total insured value)"
 ],
 "extraction": {
  "insuredName": {
   "value": "Seabreeze Duplexes LLC",
   "confidence": 0.95,
   "source": "email"
  },
  "propertyAddress": {
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "confidence": 0.8,
   "source": "attachment"
  },
  "state": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "county": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "units": {
   "value": 8,
   "confidence": 0.4,
   "source": "attachment"
  },
  "tiv": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "constructionType": {
   "value": "Frame",
   "confidence": 0.95,
   "source": "both"
  },
  "yearBuilt": {
   "value": 1988,
   "confidence": 0.7,
   "source": "both"
  },
  "targetPremium": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "subclass": {
   "value": "Duplex/fourplex schedule",
   "confidence": 0.8,
   "source": "email"
  },
  "priorLossSummary": {
   "value": "Per insured, losses were minor cosmetic damage only; prior carrier non-renewed after the storm season.",
   "confidence": 0.6,
   "source": "email"
  }
 },
 "extracted": [
  {
   "field": "insuredName",
   "value": "Seabreeze Duplexes LLC",
   "source": "email"
  },
  {
   "field": "propertyAddress",
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "source": "attachment"
  },
  {
   "field": "units",
   "value": 8,
   "source": "attachment"
  },
  {
   "field": "constructionType",
   "value": "Frame",
   "source": "both"
  },
  {
   "field": "yearBuilt",
   "value": 1988,
   "source": "both"
  },
  {
   "field": "subclass",
   "value": "Duplex/fourplex schedule",
   "source": "email"
  },
  {
   "field": "priorLossSummary",
   "value": "Per insured, losses were minor cosmetic damage only; prior carrier non-renewed after the storm season.",
   "source": "email"
  }
 ],
 "fields": [
  {
   "field": "state",
   "expected": null,
   "got": null,
   "correct": true
  },
  {
   "field": "tiv",
   "expected": null,
   "got": null,
   "correct": true
  }
 ],
 "retries": 0,
 "guardrails": [
  {
   "node": "extraction",
   "guardrail": "schema",
   "status": "pass"
  },
  {
   "node": "grounding",
   "guardrail": "grounding",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "missing_fields",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "confidence",
   "status": "trip"
  }
 ],
 "flags": [
  {
   "field": "propertyAddress",
   "issue": "ambiguous",
   "detail": "address has no resolvable state or county — cannot place the risk"
  },
  {
   "field": "units",
   "issue": "contradiction",
   "detail": "The email says 12 units, while the attachment schedule rows (4+4) and its note both say 8 units across 2 locations."
  },
  {
   "field": "yearBuilt",
   "issue": "contradiction",
   "detail": "The insured says around 2005 per the email, while the county record and attachment show 1988; the extracted 1988 matches the county record and schedule but the sources conflict."
  },
  {
   "field": "subclass",
   "issue": "ambiguous",
   "detail": "not clearly supported by source: Sources describe duplex-style rentals with 4-unit locations, but no source states a 'Duplex/fourplex schedule' classification; it is an inference."
  },
  {
   "field": "state",
   "issue": "missing",
   "detail": "state is required by the appetite ruleset"
  },
  {
   "field": "tiv",
   "issue": "missing",
   "detail": "TIV (total insured value) is required by the appetite ruleset"
  }
 ]
}

Trace line (JSON)

{
  "run_id": "2026-10-20-v6",
  "suite": "extraction-prompts",
  "case_id": "GOLD-10",
  "variant": "v4",
  "at": "2026-10-21T01:04:14.711Z",
  "ok": true,
  "usage": {
    "inputTokens": 6,
    "outputTokens": 1933,
    "costUsd": 0.0323246,
    "calls": 3,
    "cacheReadTokens": 2266,
    "cacheCreationTokens": 3189,
    "latencyMs": 20461,
    "metered": true,
    "provider": "claude-cli"
  },
  "checks": {
    "extraction_schema": true,
    "fields_correct": true,
    "nulls_stay_null": true,
    "decision_correct": true,
    "attribution_claude": false
  },
  "output_hash": "b57d717bb5ed6d2b",
  "unanswered": [
    "attribution_jev"
  ],
  "extra": {
    "decision": "REFERRED",
    "fitScore": 42,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ],
  "cached": false
}

Full output record (JSON)

{
  "output": {
    "decision": "REFERRED",
    "expectedDecision": "REFERRED",
    "decisionCorrect": true,
    "fitScore": 42,
    "confidence": 0.542,
    "reasons": [
      "aggregate confidence 54% below 70% threshold",
      "missing required fields: state, TIV (total insured value)"
    ],
    "extraction": {
      "insuredName": {
        "value": "Seabreeze Duplexes LLC",
        "confidence": 0.95,
        "source": "email"
      },
      "propertyAddress": {
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "confidence": 0.8,
        "source": "attachment"
      },
      "state": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "county": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "units": {
        "value": 8,
        "confidence": 0.4,
        "source": "attachment"
      },
      "tiv": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "constructionType": {
        "value": "Frame",
        "confidence": 0.95,
        "source": "both"
      },
      "yearBuilt": {
        "value": 1988,
        "confidence": 0.7,
        "source": "both"
      },
      "targetPremium": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "subclass": {
        "value": "Duplex/fourplex schedule",
        "confidence": 0.8,
        "source": "email"
      },
      "priorLossSummary": {
        "value": "Per insured, losses were minor cosmetic damage only; prior carrier non-renewed after the storm season.",
        "confidence": 0.6,
        "source": "email"
      }
    },
    "extracted": [
      {
        "field": "insuredName",
        "value": "Seabreeze Duplexes LLC",
        "source": "email"
      },
      {
        "field": "propertyAddress",
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "source": "attachment"
      },
      {
        "field": "units",
        "value": 8,
        "source": "attachment"
      },
      {
        "field": "constructionType",
        "value": "Frame",
        "source": "both"
      },
      {
        "field": "yearBuilt",
        "value": 1988,
        "source": "both"
      },
      {
        "field": "subclass",
        "value": "Duplex/fourplex schedule",
        "source": "email"
      },
      {
        "field": "priorLossSummary",
        "value": "Per insured, losses were minor cosmetic damage only; prior carrier non-renewed after the storm season.",
        "source": "email"
      }
    ],
    "fields": [
      {
        "field": "state",
        "expected": null,
        "got": null,
        "correct": true
      },
      {
        "field": "tiv",
        "expected": null,
        "got": null,
        "correct": true
      }
    ],
    "retries": 0,
    "guardrails": [
      {
        "node": "extraction",
        "guardrail": "schema",
        "status": "pass"
      },
      {
        "node": "grounding",
        "guardrail": "grounding",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "missing_fields",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "confidence",
        "status": "trip"
      }
    ],
    "flags": [
      {
        "field": "propertyAddress",
        "issue": "ambiguous",
        "detail": "address has no resolvable state or county — cannot place the risk"
      },
      {
        "field": "units",
        "issue": "contradiction",
        "detail": "The email says 12 units, while the attachment schedule rows (4+4) and its note both say 8 units across 2 locations."
      },
      {
        "field": "yearBuilt",
        "issue": "contradiction",
        "detail": "The insured says around 2005 per the email, while the county record and attachment show 1988; the extracted 1988 matches the county record and schedule but the sources conflict."
      },
      {
        "field": "subclass",
        "issue": "ambiguous",
        "detail": "not clearly supported by source: Sources describe duplex-style rentals with 4-unit locations, but no source states a 'Duplex/fourplex schedule' classification; it is an inference."
      },
      {
        "field": "state",
        "issue": "missing",
        "detail": "state is required by the appetite ruleset"
      },
      {
        "field": "tiv",
        "issue": "missing",
        "detail": "TIV (total insured value) is required by the appetite ruleset"
      }
    ]
  },
  "usage": {
    "inputTokens": 6,
    "cacheReadTokens": 2266,
    "cacheCreationTokens": 3189,
    "outputTokens": 1933,
    "costUsd": 0.0323246,
    "latencyMs": 20461,
    "calls": 3,
    "metered": true,
    "provider": "claude-cli"
  },
  "extra": {
    "decision": "REFERRED",
    "fitScore": 42,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ]
}

v5

result: ok
prompt tokens: 5,589
output tokens: 1,766
cost: $0.0307
latency: 19,016 ms · 3 calls
at: 2026-10-21 01:04
stages: intake extraction grounding appetite
decision: REFERRED
fitScore: 42
retries: 0
fieldsWrong: 0
modelErrors

check	verdict
extraction_schema	pass
fields_correct	pass
construction_canonical	not applicable
nulls_stay_null	pass
decision_correct	pass
attribution_jev	unanswered
attribution_claude	fail

{
 "decision": "REFERRED",
 "expectedDecision": "REFERRED",
 "decisionCorrect": true,
 "fitScore": 42,
 "confidence": 0.5399999999999999,
 "reasons": [
  "aggregate confidence 54% below 70% threshold",
  "missing required fields: state, TIV (total insured value)"
 ],
 "extraction": {
  "insuredName": {
   "value": "Seabreeze Duplexes LLC",
   "confidence": 0.97,
   "source": "email"
  },
  "propertyAddress": {
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "confidence": 0.7,
   "source": "attachment"
  },
  "state": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "county": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "units": {
   "value": 8,
   "confidence": 0.5,
   "source": "attachment"
  },
  "tiv": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "constructionType": {
   "value": "Frame",
   "confidence": 0.95,
   "source": "both"
  },
  "yearBuilt": {
   "value": 1988,
   "confidence": 0.7,
   "source": "both"
  },
  "targetPremium": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "subclass": {
   "value": "Duplex/fourplex schedule",
   "confidence": 0.8,
   "source": "email"
  },
  "priorLossSummary": {
   "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
   "confidence": 0.6,
   "source": "email"
  }
 },
 "extracted": [
  {
   "field": "insuredName",
   "value": "Seabreeze Duplexes LLC",
   "source": "email"
  },
  {
   "field": "propertyAddress",
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "source": "attachment"
  },
  {
   "field": "units",
   "value": 8,
   "source": "attachment"
  },
  {
   "field": "constructionType",
   "value": "Frame",
   "source": "both"
  },
  {
   "field": "yearBuilt",
   "value": 1988,
   "source": "both"
  },
  {
   "field": "subclass",
   "value": "Duplex/fourplex schedule",
   "source": "email"
  },
  {
   "field": "priorLossSummary",
   "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
   "source": "email"
  }
 ],
 "fields": [
  {
   "field": "state",
   "expected": null,
   "got": null,
   "correct": true
  },
  {
   "field": "tiv",
   "expected": null,
   "got": null,
   "correct": true
  }
 ],
 "retries": 0,
 "guardrails": [
  {
   "node": "extraction",
   "guardrail": "schema",
   "status": "pass"
  },
  {
   "node": "grounding",
   "guardrail": "grounding",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "missing_fields",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "confidence",
   "status": "trip"
  }
 ],
 "flags": [
  {
   "field": "propertyAddress",
   "issue": "ambiguous",
   "detail": "address has no resolvable state or county — cannot place the risk"
  },
  {
   "field": "units",
   "issue": "contradiction",
   "detail": "Broker email says 12 units, while the attachment rows (4+4) and its note say 8 units across 2 locations."
  },
  {
   "field": "yearBuilt",
   "issue": "contradiction",
   "detail": "Attachment and county record say 1988, but the insured says around 2005; the sources conflict, so 1988 is not uncontested."
  },
  {
   "field": "subclass",
   "issue": "ambiguous",
   "detail": "not clearly supported by source: Sources describe duplex-style rentals; 'Duplex/fourplex schedule' is an inferred label, and the 4-unit rows are not described as fourplexes."
  },
  {
   "field": "state",
   "issue": "missing",
   "detail": "state is required by the appetite ruleset"
  },
  {
   "field": "tiv",
   "issue": "missing",
   "detail": "TIV (total insured value) is required by the appetite ruleset"
  }
 ]
}

Trace line (JSON)

{
  "run_id": "2026-10-20-v6",
  "suite": "extraction-prompts",
  "case_id": "GOLD-10",
  "variant": "v5",
  "at": "2026-10-21T01:04:33.418Z",
  "ok": true,
  "usage": {
    "inputTokens": 6,
    "outputTokens": 1766,
    "costUsd": 0.0306518,
    "calls": 3,
    "cacheReadTokens": 2398,
    "cacheCreationTokens": 3185,
    "latencyMs": 19016,
    "metered": true,
    "provider": "claude-cli"
  },
  "checks": {
    "extraction_schema": true,
    "fields_correct": true,
    "nulls_stay_null": true,
    "decision_correct": true,
    "attribution_claude": false
  },
  "output_hash": "1d3dab5b6ca15803",
  "unanswered": [
    "attribution_jev"
  ],
  "extra": {
    "decision": "REFERRED",
    "fitScore": 42,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ],
  "cached": false
}

Full output record (JSON)

{
  "output": {
    "decision": "REFERRED",
    "expectedDecision": "REFERRED",
    "decisionCorrect": true,
    "fitScore": 42,
    "confidence": 0.5399999999999999,
    "reasons": [
      "aggregate confidence 54% below 70% threshold",
      "missing required fields: state, TIV (total insured value)"
    ],
    "extraction": {
      "insuredName": {
        "value": "Seabreeze Duplexes LLC",
        "confidence": 0.97,
        "source": "email"
      },
      "propertyAddress": {
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "confidence": 0.7,
        "source": "attachment"
      },
      "state": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "county": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "units": {
        "value": 8,
        "confidence": 0.5,
        "source": "attachment"
      },
      "tiv": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "constructionType": {
        "value": "Frame",
        "confidence": 0.95,
        "source": "both"
      },
      "yearBuilt": {
        "value": 1988,
        "confidence": 0.7,
        "source": "both"
      },
      "targetPremium": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "subclass": {
        "value": "Duplex/fourplex schedule",
        "confidence": 0.8,
        "source": "email"
      },
      "priorLossSummary": {
        "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
        "confidence": 0.6,
        "source": "email"
      }
    },
    "extracted": [
      {
        "field": "insuredName",
        "value": "Seabreeze Duplexes LLC",
        "source": "email"
      },
      {
        "field": "propertyAddress",
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "source": "attachment"
      },
      {
        "field": "units",
        "value": 8,
        "source": "attachment"
      },
      {
        "field": "constructionType",
        "value": "Frame",
        "source": "both"
      },
      {
        "field": "yearBuilt",
        "value": 1988,
        "source": "both"
      },
      {
        "field": "subclass",
        "value": "Duplex/fourplex schedule",
        "source": "email"
      },
      {
        "field": "priorLossSummary",
        "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
        "source": "email"
      }
    ],
    "fields": [
      {
        "field": "state",
        "expected": null,
        "got": null,
        "correct": true
      },
      {
        "field": "tiv",
        "expected": null,
        "got": null,
        "correct": true
      }
    ],
    "retries": 0,
    "guardrails": [
      {
        "node": "extraction",
        "guardrail": "schema",
        "status": "pass"
      },
      {
        "node": "grounding",
        "guardrail": "grounding",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "missing_fields",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "confidence",
        "status": "trip"
      }
    ],
    "flags": [
      {
        "field": "propertyAddress",
        "issue": "ambiguous",
        "detail": "address has no resolvable state or county — cannot place the risk"
      },
      {
        "field": "units",
        "issue": "contradiction",
        "detail": "Broker email says 12 units, while the attachment rows (4+4) and its note say 8 units across 2 locations."
      },
      {
        "field": "yearBuilt",
        "issue": "contradiction",
        "detail": "Attachment and county record say 1988, but the insured says around 2005; the sources conflict, so 1988 is not uncontested."
      },
      {
        "field": "subclass",
        "issue": "ambiguous",
        "detail": "not clearly supported by source: Sources describe duplex-style rentals; 'Duplex/fourplex schedule' is an inferred label, and the 4-unit rows are not described as fourplexes."
      },
      {
        "field": "state",
        "issue": "missing",
        "detail": "state is required by the appetite ruleset"
      },
      {
        "field": "tiv",
        "issue": "missing",
        "detail": "TIV (total insured value) is required by the appetite ruleset"
      }
    ]
  },
  "usage": {
    "inputTokens": 6,
    "cacheReadTokens": 2398,
    "cacheCreationTokens": 3185,
    "outputTokens": 1766,
    "costUsd": 0.0306518,
    "latencyMs": 19016,
    "calls": 3,
    "metered": true,
    "provider": "claude-cli"
  },
  "extra": {
    "decision": "REFERRED",
    "fitScore": 42,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ]
}

v6

result: ok
prompt tokens: 5,624
output tokens: 1,839
cost: $0.0224
latency: 18,695 ms · 3 calls
at: 2026-10-21 01:04
stages: intake extraction grounding appetite
decision: REFERRED
fitScore: 35
retries: 0
fieldsWrong: 0
modelErrors

check	verdict
extraction_schema	pass
fields_correct	pass
construction_canonical	not applicable
nulls_stay_null	pass
decision_correct	pass
attribution_jev	unanswered
attribution_claude	fail

{
 "decision": "REFERRED",
 "expectedDecision": "REFERRED",
 "decisionCorrect": true,
 "fitScore": 35,
 "confidence": 0.534,
 "reasons": [
  "email states 12 units, attachment schedule totals 8",
  "aggregate confidence 53% below 70% threshold",
  "missing required fields: state, TIV (total insured value)"
 ],
 "extraction": {
  "insuredName": {
   "value": "Seabreeze Duplexes LLC",
   "confidence": 0.97,
   "source": "email"
  },
  "propertyAddress": {
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "confidence": 0.75,
   "source": "attachment"
  },
  "state": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "county": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "units": {
   "value": 12,
   "confidence": 0.4,
   "source": "email"
  },
  "tiv": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "constructionType": {
   "value": "Frame",
   "confidence": 0.95,
   "source": "both"
  },
  "yearBuilt": {
   "value": 1988,
   "confidence": 0.6,
   "source": "both"
  },
  "targetPremium": {
   "value": null,
   "confidence": 0,
   "source": null
  },
  "subclass": {
   "value": "Duplex/fourplex schedule",
   "confidence": 0.75,
   "source": "email"
  },
  "priorLossSummary": {
   "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
   "confidence": 0.6,
   "source": "email"
  }
 },
 "extracted": [
  {
   "field": "insuredName",
   "value": "Seabreeze Duplexes LLC",
   "source": "email"
  },
  {
   "field": "propertyAddress",
   "value": "118 Ocean View Dr; 122 Ocean View Dr",
   "source": "attachment"
  },
  {
   "field": "units",
   "value": 12,
   "source": "email"
  },
  {
   "field": "constructionType",
   "value": "Frame",
   "source": "both"
  },
  {
   "field": "yearBuilt",
   "value": 1988,
   "source": "both"
  },
  {
   "field": "subclass",
   "value": "Duplex/fourplex schedule",
   "source": "email"
  },
  {
   "field": "priorLossSummary",
   "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
   "source": "email"
  }
 ],
 "fields": [
  {
   "field": "state",
   "expected": null,
   "got": null,
   "correct": true
  },
  {
   "field": "tiv",
   "expected": null,
   "got": null,
   "correct": true
  }
 ],
 "retries": 0,
 "guardrails": [
  {
   "node": "extraction",
   "guardrail": "schema",
   "status": "pass"
  },
  {
   "node": "grounding",
   "guardrail": "grounding",
   "status": "trip"
  },
  {
   "node": "appetite",
   "guardrail": "missing_fields",
   "status": "warn"
  },
  {
   "node": "appetite",
   "guardrail": "confidence",
   "status": "trip"
  }
 ],
 "flags": [
  {
   "field": "units",
   "issue": "contradiction",
   "detail": "email states 12 units, attachment schedule totals 8"
  },
  {
   "field": "propertyAddress",
   "issue": "ambiguous",
   "detail": "address has no resolvable state or county — cannot place the risk"
  },
  {
   "field": "units",
   "issue": "contradiction",
   "detail": "Broker email says 12 units, but the attachment note says 8 units total and the schedule rows sum to 8 (4+4)."
  },
  {
   "field": "yearBuilt",
   "issue": "contradiction",
   "detail": "Insured says around 2005 per the email, while the county record and schedule say 1988; the extracted value picks 1988 without flagging the conflict."
  },
  {
   "field": "subclass",
   "issue": "ambiguous",
   "detail": "not clearly supported by source: Sources describe duplex-style rentals; 'Duplex/fourplex schedule' is an inference, though the schedule rows show 4 units per location."
  },
  {
   "field": "state",
   "issue": "missing",
   "detail": "state is required by the appetite ruleset"
  },
  {
   "field": "tiv",
   "issue": "missing",
   "detail": "TIV (total insured value) is required by the appetite ruleset"
  }
 ]
}

Trace line (JSON)

{
  "run_id": "2026-10-20-v6",
  "suite": "extraction-prompts",
  "case_id": "GOLD-10",
  "variant": "v6",
  "at": "2026-10-21T01:04:26.384Z",
  "ok": true,
  "usage": {
    "inputTokens": 6,
    "outputTokens": 1839,
    "costUsd": 0.022395800000000004,
    "calls": 3,
    "cacheReadTokens": 4738,
    "cacheCreationTokens": 880,
    "latencyMs": 18695,
    "metered": true,
    "provider": "claude-cli"
  },
  "checks": {
    "extraction_schema": true,
    "fields_correct": true,
    "nulls_stay_null": true,
    "decision_correct": true,
    "attribution_claude": false
  },
  "output_hash": "644b59503c533822",
  "unanswered": [
    "attribution_jev"
  ],
  "extra": {
    "decision": "REFERRED",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ],
  "cached": false
}

Full output record (JSON)

{
  "output": {
    "decision": "REFERRED",
    "expectedDecision": "REFERRED",
    "decisionCorrect": true,
    "fitScore": 35,
    "confidence": 0.534,
    "reasons": [
      "email states 12 units, attachment schedule totals 8",
      "aggregate confidence 53% below 70% threshold",
      "missing required fields: state, TIV (total insured value)"
    ],
    "extraction": {
      "insuredName": {
        "value": "Seabreeze Duplexes LLC",
        "confidence": 0.97,
        "source": "email"
      },
      "propertyAddress": {
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "confidence": 0.75,
        "source": "attachment"
      },
      "state": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "county": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "units": {
        "value": 12,
        "confidence": 0.4,
        "source": "email"
      },
      "tiv": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "constructionType": {
        "value": "Frame",
        "confidence": 0.95,
        "source": "both"
      },
      "yearBuilt": {
        "value": 1988,
        "confidence": 0.6,
        "source": "both"
      },
      "targetPremium": {
        "value": null,
        "confidence": 0,
        "source": null
      },
      "subclass": {
        "value": "Duplex/fourplex schedule",
        "confidence": 0.75,
        "source": "email"
      },
      "priorLossSummary": {
        "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
        "confidence": 0.6,
        "source": "email"
      }
    },
    "extracted": [
      {
        "field": "insuredName",
        "value": "Seabreeze Duplexes LLC",
        "source": "email"
      },
      {
        "field": "propertyAddress",
        "value": "118 Ocean View Dr; 122 Ocean View Dr",
        "source": "attachment"
      },
      {
        "field": "units",
        "value": 12,
        "source": "email"
      },
      {
        "field": "constructionType",
        "value": "Frame",
        "source": "both"
      },
      {
        "field": "yearBuilt",
        "value": 1988,
        "source": "both"
      },
      {
        "field": "subclass",
        "value": "Duplex/fourplex schedule",
        "source": "email"
      },
      {
        "field": "priorLossSummary",
        "value": "Insured states losses were minor cosmetic damage only; prior carrier non-renewed after storm season.",
        "source": "email"
      }
    ],
    "fields": [
      {
        "field": "state",
        "expected": null,
        "got": null,
        "correct": true
      },
      {
        "field": "tiv",
        "expected": null,
        "got": null,
        "correct": true
      }
    ],
    "retries": 0,
    "guardrails": [
      {
        "node": "extraction",
        "guardrail": "schema",
        "status": "pass"
      },
      {
        "node": "grounding",
        "guardrail": "grounding",
        "status": "trip"
      },
      {
        "node": "appetite",
        "guardrail": "missing_fields",
        "status": "warn"
      },
      {
        "node": "appetite",
        "guardrail": "confidence",
        "status": "trip"
      }
    ],
    "flags": [
      {
        "field": "units",
        "issue": "contradiction",
        "detail": "email states 12 units, attachment schedule totals 8"
      },
      {
        "field": "propertyAddress",
        "issue": "ambiguous",
        "detail": "address has no resolvable state or county — cannot place the risk"
      },
      {
        "field": "units",
        "issue": "contradiction",
        "detail": "Broker email says 12 units, but the attachment note says 8 units total and the schedule rows sum to 8 (4+4)."
      },
      {
        "field": "yearBuilt",
        "issue": "contradiction",
        "detail": "Insured says around 2005 per the email, while the county record and schedule say 1988; the extracted value picks 1988 without flagging the conflict."
      },
      {
        "field": "subclass",
        "issue": "ambiguous",
        "detail": "not clearly supported by source: Sources describe duplex-style rentals; 'Duplex/fourplex schedule' is an inference, though the schedule rows show 4 units per location."
      },
      {
        "field": "state",
        "issue": "missing",
        "detail": "state is required by the appetite ruleset"
      },
      {
        "field": "tiv",
        "issue": "missing",
        "detail": "TIV (total insured value) is required by the appetite ruleset"
      }
    ]
  },
  "usage": {
    "inputTokens": 6,
    "cacheReadTokens": 4738,
    "cacheCreationTokens": 880,
    "outputTokens": 1839,
    "costUsd": 0.022395800000000004,
    "latencyMs": 18695,
    "calls": 3,
    "metered": true,
    "provider": "claude-cli"
  },
  "extra": {
    "decision": "REFERRED",
    "fitScore": 35,
    "retries": 0,
    "fieldsWrong": 0,
    "modelErrors": ""
  },
  "stages": [
    {
      "name": "intake",
      "ok": true
    },
    {
      "name": "extraction",
      "ok": true
    },
    {
      "name": "grounding",
      "ok": true
    },
    {
      "name": "appetite",
      "ok": true
    }
  ]
}