Stop 2 of 8 · Daily
Three quotes, one table
Three carrier quote PDFs into one comparison a client can read, with the coverage gaps flagged and every line queued for the form check.
Why the premium column lies
A client sends Ramy three quotes and asks which is cheapest. The honest answer is that nobody knows yet, because one carrier wrote replacement cost on the dwelling and another wrote actual cash value on the roof, one included water backup and one did not, and the deductibles are 1,000 dollars, 2,500 dollars and one percent of Coverage A. Three premiums, three different policies.
The work is not the arithmetic. It is normalising: pulling the same coverage lines out of three documents that name them differently, and marking where one document simply does not say. Claude is good at exactly that, and slow, careful reading of three PDFs is the part of Ramy's afternoon that used to disappear.
Before the upload
The service rep runs the redaction pass from stop one. Names go, dates of birth go, the licence numbers on the driver schedule go. What stays is what the comparison runs on: the vehicles by year, make and model, the dwelling by construction type and year built, the coverage lines, the limits, the deductibles and the premium.
The table Ramy actually sends
Three columns, not eight. Coverage line, then the two or three carriers, and the numbers underneath. Anything that does not fit a row goes in the gaps list below it.
| Section | What goes in it |
|---|---|
| The table | One row per coverage line, one column per carrier |
| The gaps | Lines missing from a quote, or worded differently |
| Verify list | Every coverage line, with the form to check it against |
Attached are three carrier quotes for the same personal lines risk, redacted. Inside the Agency Project: 1. Build one table. Rows are coverage lines in the order a client reads them: dwelling, other structures, personal property, loss of use, liability, medical payments, deductible, then endorsements. Columns are the three carriers. Use the exact figure from each quote or write "not shown on this quote". 2. Below it, list every difference that changes what the client owns, in plain English, one line each. Include any line one carrier shows and another does not. 3. Then the section headed "Verify against the policy form" with every coverage line and the form or endorsement number it should be checked against. Do not recommend a carrier and do not describe anything as covered.
From that comparison, write the questions I should send each underwriter before I present this. One question per gap, phrased so the answer is a limit, a form number or a yes.
Write the email that carries this comparison to the client. Six sentences. Say what the table shows, name the two differences that matter most, say plainly that the quotes are proposals and the policy form controls, and ask for a fifteen minute call. No coverage claims.