Policy Diagnostic Tool v1.0

X-Ray Your Insurance Policy

Upload any policy document. Our AI engine scans for coverage gaps, exclusion blind spots, and under-insurance risks in seconds.

scan_output.diag

$ coveragegap scan --policy homeowners_2026.pdf

[INFO] Ingesting policy… OK

[INFO] Running gap detection engine…

[WARN] Gap detected: Water backup coverage excluded

[CRIT] Gap detected: Earthquake not covered, high-risk zone

[WARN] Gap detected: Jewelry sublimit $1,500 (avg loss $8,200)

[DONE] 3 gaps found. Risk level: MODERATE

System Modules

How the Engine Works

Ingest

Zero-Friction Ingestion

Forward policy emails or drag-and-drop PDFs. Our parser extracts declarations, endorsements, and exclusion schedules automatically. No manual data entry.

Analyze

Gap Detection Engine

AI cross-references your coverage against risk profiles, regional peril data, and actuarial benchmarks. Every exclusion and sublimit is flagged with severity scoring.

Resolve

Micro-Bind Resolution

One-click supplemental policies via carrier APIs. Fill gaps instantly with bindable quotes - no phone calls, no waiting. Coverage activated in minutes.

Diagnostic Output Preview

Sample Analysis Result

Below is a representative scan output. Actual results are generated from your uploaded policy documents.

POLICY ID

HO-2026-48291

TYPE

Homeowners HO-3

SCANNED

2026-03-07 14:32 UTC

MODERATE RISK
CRIT

Earthquake Coverage - Not Present

Property located in USGS Seismic Zone 3. No earthquake endorsement detected. Estimated uninsured loss exposure: $420,000.

WARN

Water Backup - Excluded

Standard exclusion for sewer/drain backup. Claims frequency in this ZIP: 12.4% annually. Endorsement available from current carrier.

WARN

Scheduled Personal Property - Underlimit

Jewelry sublimit $1,500. Reported asset value exceeds $8,200. Consider a scheduled personal property floater.

OK

Liability Coverage - Adequate

$300,000 personal liability meets recommended threshold for asset profile. Umbrella policy recommended if assets exceed $500K.

Scan completed in 4.2s · 3 gaps detected · 2 resolutions availableFull report →

Integration Layer

Built for Agents

Headless API with full OpenAPI spec. Integrate policy scanning into your agent workflows, CRM pipelines, or advisory platforms. MCP server available for AI agent tool-use.

OpenAPI 3.1 Spec

Fully documented endpoints with typed schemas

Headless REST API

Stateless scan, quote, and bind operations

MCP Server

Model Context Protocol for AI agent integration

Webhook Events

Real-time notifications on scan completion

View OpenAPI Spec →
terminal
$ curl -X POST https://api.coveragegap.ai/v1/scan \
  -H "Authorization: Bearer cg_live_..." \
  -H "Content-Type: multipart/form-data" \
  -F "policy=@homeowners_2026.pdf"

{
  "scan_id": "scn_8f2a1b3c",
  "status": "complete",
  "risk_level": "MODERATE",
  "gaps": [
    {
      "id": "gap_eq_001",
      "severity": "critical",
      "category": "earthquake",
      "description": "No earthquake endorsement detected",
      "exposure_usd": 420000,
      "resolution": {
        "type": "micro_bind",
        "carrier": "pacific_mutual",
        "premium_monthly_usd": 47,
        "bind_url": "/v1/bind/gap_eq_001"
      }
    }
  ],
  "meta": {
    "pages_parsed": 24,
    "processing_time_ms": 4218
  }
}