askbrolly — Product Walkthrough

Screen 1A — Admin Dashboard: Command Center

🔒 demo.brollygraph.com/dashboard

🔔 4

Needs attention

4 items waiting on admin action

See all →

⚠️

14 referrals over 48h

SLA at risk

👤

Agent onboarding

9 pending approval

🎧

23 unassigned tickets

Oldest: 6h ago

🔄

Rate sheet v3.2

Ready to publish

Platform Overview

Policies in force

9,248

$10.4M GWP · +312 this month

📄

Active users (30d)

1,284

412 agents · 872 property owners

👥

Pending reviews

Across 2 queues

⚠️

Manual review

Individual referrals — SFHA, high TIV, EC required

AI-assisted bulk

in 3 batches

Renewals, remaps, RR 2.0 re-rates — spot-check & approve

System Management

Review referred quotes

📊

→

Support Queue

Linked property owner support

🗄

→

System Reports

Platform health snapshot

Screen 1B — Referral Queue: Review & Clear Referred Quotes

🔒 demo.brollygraph.com/review

⏱ Quote Review

Search by quote, rule, address, referral id, or notes.

Total 12 Referred 7

Sort by

Referral status

Notes

Action required

WaterBear Flood QT-Q19E1FCL 14d left

3911 W 21st Ave, Denver, CO

Standard Flood · Zone AE

High-risk flood zone — requires underwriter review

📅 Quoted Apr 20, 2026 ⏱ Expires May 4, 2026

◆ Referred

$3,120/yr

$350,000 coverage

FLOOD_ZONE_HIGH · Underwriter Review

Kingfisher Flood QT-A72FX3BK

1847 Larimer St, Denver, CO

Standard Flood · Zone X

📅 Quoted Apr 18, 2026 ⏱ Expires May 2, 2026

◆ Cleared

$2,480/yr

$280,000 coverage

Screen 1C — Approve Referral: Clear & Leave Notes

🔒 demo.brollygraph.com/review

Approve referral

Add a short note explaining why this quote can move forward.

Quote

Clearance notes

Briefly document the approval rationale for audit purposes.

Screen 1D — Member Management: Directory & Impersonation

🔒 demo.brollygraph.com/members

Account › Directory

Member Management

Manage platform members, assign roles, and perform account impersonations with technical oversight.

Impersonation lets an admin troubleshoot a member's account in-app. Every action performed on behalf of a member is recorded in the audit log.

Member	Role	Actions
Jordan Avery jordan.avery@example.com	Property owner
Priya Nair priya.nair@example.com	Agent
Marcus Webb m.webb@harborbrokers.example	Agent
Elena Ortiz elena.ortiz@example.com	Property owner
Sam Whitfield (you) sam@brollygraph.com	Admin	Current
Dana Cole dana.cole@brollygraph.com	Admin	Restricted

Screen 2A — Portfolio & Underwriting AI: Book-Level Analysis

🔒 demo.brollygraph.com/chat

Show me Harris County's Harvey-era flood losses broken down by flood zone and occupancy type. Where did the money actually go?

✦

query_claims scope: fips=48201 · event=Harvey 2017 · group_by=[zone, occupancy] 1.8s · 44,892 rows scanned

Top 7 zone × occupancy combinations by total paid, sorted desc. Full result set returned — 23 rows available.

Zone	Occupancy	Claims	Avg Paid	Avg Premium	Loss Ratio	Total Paid
X	Single Family	11,839	$91,133	$31,862	$112,502	$1.24B
X	Single Family (RR2.0)	10,656	$89,117	$31,527	$120,644	$1.10B
AE	Single Family	10,180	$98,090	$23,904	$121,994	$1.13B
AE	Single Family (RR2.0)	10,176	$93,032	$25,435	$118,467	$1.11B
AE	Non-Res (RR2.0)	790	$176,995	$53,032	$230,027	$127.7M
AE	5+ Unit Residential	686	$203,641	$2,245	$205,886	$111.8M
AE	Business	665	$138,157	$39,746	$177,903	$92.9M

X zones alone generated ~$2.34B+ in Harris County — a massive warning signal that standard floodplain-based underwriting severely underpriced risk across the Houston metro.

Interesting - so a lot of that is out-of-zone. What kind of buildings took the hits? Break it down by construction profile and elevation.

✦

query_claims join: properties · group_by=[stories, firm_era, elevated] · agg=[claims, avg_depth, avg_payout] 2.4s

🏠 Property Profile — What Got Hit

The dominant damage profile: older, single-story, slab-on-grade homes with no elevation.

Profile	Claims	Avg Water Depth	Avg Payout
1-floor, Pre-FIRM, not elevated	~19,500	~2.2"	~$100K
1-floor, Post-FIRM, not elevated	~9,998	~2.3"	~$126K
2-floor, Pre-FIRM, not elevated	5,100	2.3"	$172,224
2-floor, Post-FIRM, not elevated	3,508	3.0"	$154,913
3+ floor, Post-FIRM, not elevated	379	2.0"	$317,464
Elevated buildings (any)	~2,500	2–4"	$57K–$89K

Key takeaways:

Elevated buildings paid out 30–50% less on average, even when they flooded — elevation works
Pre-FIRM single-story slabs were the single largest loss driver by volume
Average water depth was only 2–3 inches for most claims — Harvey was more of a slow inundation than a surge event; that shallow water still caused catastrophic interior damage
Multi-story commercial buildings in Post-FIRM construction had the highest single-property average payouts ($317K)

All figures are nominal historical USD from Flood claims records.

Where geographically did it concentrate? Pull the top zip codes for inner Houston and plot them on the map.

✦

query_claims filter: inner_loop=true · group_by=zip · viz=bar_chart+choropleth 1.1s

77025 (Braeswood/Meyerland) leads by a wide margin — consistent with Brays Bayou overflow. Top 12 zips plotted below with geographic overlay.

Harvey 2017 — Inner Houston Claims by Zip Code

Claims

1,4001,2001,0008006004002000

770257700877026770227700777009 770047700577030770217701977024

Spring Branch Spring Branch Central Spring Branch East Spring Branch West Houston Heights Near Northside Spring Valley East Kashmere Gardens Country Centre Hedwig Village Fifth Ward Hunters Creek Village Bunker Hill Memorial

77055 77008 77007 77009 77024 77019 77026 77005 77098 77027 77004

Ask about flood claims, policies, or risk data… ↑

Screen 2B — Admin Review: Florida Agent Leaderboard

🔒 demo.brollygraph.com/chat

Who are my top 5 performing agents in Florida by policies bound? Include conversion, avg premium, and total premium.

✦

query_agents source: demo_quotes · state=FL · window=trailing_90d · min_quotes=100 · rank_by=bound 1.6s · 312 agents in sample

Here's the Florida leaderboard for the trailing 90 days (Jan 24 – Apr 24). 312 agents met the 100-quote minimum; showing the top 5 by policies bound. Industry bind rates on flood typically land 15–40% — I've color-coded the conversion column against that benchmark.

🏆 Florida Agent Performance — Trailing 90 Days, Ranked by Policies Bound

Rank	Agent	Quotes	Bound	Conv. %	Avg Premium	Total Premium	Δ vs Q4
1	AGT-00003	742	287	38.7%	$1,240	$355,880	+18%
2	AGT-00014	613	241	39.3%	$1,308	$315,228	+11%
3	AGT-00017	824	218	26.5%	$1,504	$327,872	+24%
4	AGT-00001	549	204	37.2%	$955	$194,820	+7%
5	AGT-00008	687	195	28.4%	$1,010	$196,950	−3%

🔍 Standout signals

AGT-00014 — Highest bind rate at scale: 39.3% on 613 quotes. Balanced book across ZIPs (no single ZIP >12% of bound). The benchmark other coastal agents should be measured against.
AGT-00003 — Volume leader. 287 bound policies and $355K total premium in 90 days at a strong 38.7% bind. Book concentrated in 33xxx (Miami-Dade) and 34xxx (SW FL coastal).
AGT-00001 — Efficiency play. 37.2% bind on the lowest avg premium in the top 5 ($955) — writing clean, non-SFHA inland risks. High-quality quote pipeline.
AGT-00017 — Biggest QoQ jump (+24%), highest avg premium ($1,504). Lower bind rate (26.5%) but the tradeoff is intentional — writing bigger VE / AE-Coastal risks that take longer to underwrite.
AGT-00008 — The only top-5 agent trending down (−3%). Bind rate (28.4%) is the weakest of the leaders. Worth a pipeline review.

Now flip it - show me the bottom 5 by bind rate. Flag anything that looks like a volume outlier or data-integrity issue.

✦

query_agents state=FL · window=trailing_90d · min_quotes=100 · rank_by=conversion · order=asc 1.2s

Bottom 5 by bind rate (same 90-day window, 100-quote floor). Flagging one critical outlier and one mass-quoting pattern that looks like automated API abuse.

🔴 Florida Bottom 5 Agents — Trailing 90 Days

Rank	Agent	Quotes	Bound	Conv. %	Avg Premium	Total Premium	Δ vs Q4
▼1	AGT-00044 Red flag	9,847	0	0.0%	—	$0	new
▼2	AGT-00002	3,216	42	1.3%	$966	$40,572	−19%
▼3	AGT-00007	2,104	51	2.4%	$1,082	$55,182	−27%
▼4	AGT-00012	1,687	58	3.4%	$1,291	$74,878	−12%
▼5	AGT-00019	1,122	49	4.4%	$1,075	$52,675	−6%

🔍 Top 5 vs. Bottom 5 — the gap

Bind rate

−31.7 pts

34.0% vs 2.3%

Quote waste

18,076

unbound quotes, bottom 5

Premium delta

−$233K

$278K vs $45K avg

QoQ trend

+11% ↔ −16%

top growing, bottom collapsing

🚩 AGT-00044 — Critical red flag. 9,847 quotes in 90 days with zero binds. That's ~110 quotes/day — well outside any realistic human workflow. Signature of scripted API calls, test traffic, or credentials compromise. Suspend API access and investigate before reviewing further.
AGT-00002 — Second-biggest volume abuser: 3,216 quotes, only 42 bound (1.3%). Pattern looks like a rater-shopping tool pushed through our endpoint. Rate-limit and demand an explanation.
AGT-00007 — Similar profile (2,104 quotes / 2.4% bind) with the sharpest decline: −27% QoQ. Combination of mass-quoting and conversion collapse.
AGT-00012 — More controlled volume (1,687 quotes) but still only 3.4% bind. Writes competitive avg premiums when they do close ($1,291) — the quote-to-bind pipeline is where this agent loses it.
Four of five bottom agents are running 1,000+ quotes each. That's >90% of all wasted quote capacity in the FL book concentrated in 5 agents. Quote-cost-per-bind for these agents is 25–70× the top quintile.

Source: Brolly platform data (demo_quotes), trailing 90 days. 100-quote minimum threshold applied. QoQ compares to Q4 2025 (Oct 24 – Jan 23). All premiums nominal USD.

Pull AGT-00044's request pattern - IPs, cadence, ZIPs hit - flag for security review… ↑

Screen 2C — Agent Risk Lookup: NC Property Comparison & Area Tiers

🔒 demo.brollygraph.com/chat

119 Cypress Ave, Wrightsville Beach, NC 28480 vs 1657 Cary Reserve Dr, Cary, NC 27519. Break it down for me - client is deciding between the two.

✦

geocode fema_nfhl_lookup slosh_surge nfip_claims_radius 3.2s

All data in. Here's the full breakdown.

🏠 Flood Risk Showdown — Wrightsville Beach vs. Cary, NC

Extreme

119 Cypress Ave, Wrightsville Beach 28480

Flood Zone: AE — High Risk
SFHA: ✅ Yes (mandatory purchase)
BFE: 12 ft
Footprint: 1,392 sq ft (confirmed)
Ground elevation: 1.7 m (~5.6 ft)
Local avg elev: −0.03 m (sea level)
Surge exposure: 🚨 Severe (SLOSH)
Nearby claims (500m): 531 · $10.15M paid

Minimal

1657 Cary Reserve Dr, Cary 27519

Flood Zone: X — Minimal Hazard
SFHA: ❌ No
BFE: N/A
Footprint: 6,005 sq ft (confirmed)
Ground elevation: 92.7 m (~304 ft)
Local avg elev: 93.2 m
Surge exposure: ❌ None — fully inland
Nearby claims (500m): 0 · Zero records

These two addresses are about as far apart on the flood-risk spectrum as you can get in NC. Cypress Ave is a textbook high-risk barrier-island address carrying every coastal flood peril simultaneously: SFHA designation, sea-level elevation, active surge exposure, and a dense neighborhood loss history.

Walk me through the surge exposure on Cypress Ave by hurricane category. Client wants to understand the worst case.

✦

slosh_surge point: 34.213°N, -77.795°W · model: MEOW worst-case 0.6s

Cypress Ave sits directly in the NOAA SLOSH surge modeling zone. Projected inundation depths:

Cat 1

3 ft

Cat 2

9 ft

Cat 3

14 ft

Cat 4

17 ft

Cat 5

21 ft

A Cat 3 storm puts 14 feet of water over this neighborhood.
The property's BFE is 12 ft — NFIP minimum requires the finished floor elevated to at least that height above mean sea level.
Ground elevation is just 1.7 m (~5.6 ft) — an enormous gap between where the house sits and what a major hurricane would bring.
Cary: zero surge exposure at 92.7 m elevation, 100+ miles inland — SLOSH models don't reach here.

Zooming out - give me the Wilmington metro ZIP risk tiers so I can steer clients toward the safer neighborhoods.

✦

query_claims metro: Wilmington · radius=16km · group_by=zip · rank_by=severity 1.4s

Wilmington NFIP historic losses by ZIP, tiered by severity.

🗺 Wilmington Metro — Neighborhood Risk Tiers

Tier	ZIP	Area	Claims	SFHA %	Avg Paid	Avg Elev
Extreme	28480	Wrightsville Beach	1,517	97%	$15,863	1.9 m
Very High	28409	SW Wilmington / Masonboro	436	80%	$10,634	2.7 m
Elevated	28405	N Wilmington / Landfall	259	81%	$22,405	4.5 m
Elevated	28403	Midtown Wilmington	162	70%	$19,011	4.8 m
Mod-High	28411	Porter's Neck / NE Wilmington	121	85%	$15,441	3.5 m
Low-Mod	28401	Downtown / Historic	60	62%	$18,644	8.1 m
Lowest	28412	S Wilmington / Monkey Junction	33	76%	$8,428	3.4 m

🏆 Bottom line for agents steering buyers:

✅ 28401 Downtown / Historic — Highest avg elevation (8.1 m), fewest claims, lowest SFHA density. The historic district sits on bluff terrain above the Cape Fear floodplain.
✅ 28412 Monkey Junction — Lowest claim volume, lowest avg paid ($8,428). Newer suburban area, reasonable drainage.
⚠ 28403 / 28405 / 28411 — Doable, but verify the specific parcel. Avoid creek corridors (Bradley, Smith, Burnt Mill) and AE-mapped streets.
❌ 28409 Masonboro — High SFHA, low elevation, high storm frequency.
❌ 28480 Wrightsville Beach — Extreme barrier-island risk. 1,500+ historic claims at ~2 m elevation.

Rule of thumb — within any ZIP, always check parcel-level zone (AE/A vs X). Source: NFIP historic loss records, nominal USD.

Pull the specific AE-rated streets near Bradley Creek in 28403… ↑

Screen 2D — Agent Risk Lookup: TX Property Comparison with Book Overlay

🔒 demo.brollygraph.com/chat

Illustrative example — addresses, ZIPs, policy counts, and dollar figures shown here are for demonstration only and do not reflect a real book of business.

Compare 9610 Ashford Ln, Highland Park TX 75205 and 6930 Rosewood Dr, University Park TX 75225. Client wants flood risk plus our existing book exposure in each ZIP.

✦

geocode fema_nfhl_lookup dem_elevation nfip_claims_radius 2.8s · both addresses rooftop-accurate

All data in. Both addresses geocoded to rooftop accuracy. Sourced from NFIP records + live FEMA NFHL flood-zone data.

📍 Property-Level Summary

	9610 Ashford Ln, Highland Park 75205	6930 Rosewood Dr, University Park 75225
Flood Zone	X — Minimal Flood Hazard	X — Minimal Flood Hazard
SFHA (mandatory purchase)	❌ No	❌ No
Zone Confidence	High (rooftop footprint, single zone)	High (footprint matched, single zone)
Footprint Size	~5,077 sq ft	~1,445 sq ft
Point elevation	101.8 m (~334 ft)	101.5 m (~333 ft)
Local avg elev (50-cell)	107.8 m (~354 ft)	97.0 m (~318 ft)
vs. Neighborhood	⚠ 5.9 m BELOW local avg	✅ 4.5 m ABOVE local avg
Storm surge exposure	None (all cats null)	None (all cats null)
NFIP losses within 500m	1 claim — Zone A28, $23,402 paid	1 claim — Zone X, $0 paid

Key differentiator — relative elevation. Both properties sit at nearly identical absolute elevations (~101.5–101.8 m), but their positions relative to their surroundings are opposite. Ashford sits ~20 ft below its neighborhood average (water converges). Rosewood sits ~15 ft above (water drains away). The nearby Zone A28 loss at Ashford — $23,402 paid — indicates a real floodplain exists in close proximity despite the Zone X designation.

Now overlay the ZIP-level NFIP policy landscape - active policies, premiums, SFHA mix. I want to know what else is on our book nearby.

✦

query_policies query_claims zips=[75205, 75225] · active=true · all_years 1.2s

ZIP-level policy mix and historic losses side-by-side. All premiums nominal USD.

📊 ZIP Code Comparison — 75205 vs. 75225

Metric	75205 (Highland Park)	75225 (University Park)
Active Zone X policies	67 @ avg $660/yr	181 @ avg $522/yr
Active SFHA (AE) policies	12 @ avg $1,019/yr	—
Active SFHA (A) policies	5 @ avg $462/yr	22 @ avg $993/yr
Avg building coverage (SFHA)	$201K–$250K	$250K
Historic NFIP losses (all-time)	21 records	28 records
Dominant loss zone	Zone X (9 claims)	Zone X (21 claims)
Avg paid per claim (Zone X)	$753	$2,360

75225 University Park has a larger policy base (181 Zone X vs 67) reflecting higher property values and some SFHA pockets along the Trinity River tributaries — Zone A policies at avg $993/yr signal meaningful floodplain exposure.
75205 Highland Park has a higher avg Zone X premium ($660 vs $522) — likely older structures or RR 2.0 rate-methodology differences.
Historic loss severity is modest in both — most claims Zone X with low avg payouts, consistent with nuisance/stormwater flooding, not riverine.
One Zone A28 claim in 75205 paid $23,402 — isolated floodplain exposure does exist. This is the same record nearest Ashford.

Bottom-line recommendation for the client? Do I pitch voluntary coverage on either?

✦

synthesize context: property-level + zip-level + book-overlay 0.5s

Factor	Ashford (75205)	Rosewood (75225)
Official flood zone	Zone X ✅	Zone X ✅
Relative topography	⚠ Below neighborhood — water converges	✅ Above neighborhood — water drains
Nearby historic loss activity	1 SFHA-zone claim, $23K paid	1 zero-pay Zone X claim
ZIP SFHA policy density	Higher (proportionally)	Lower
Overall flood risk signal	Slightly elevated despite Zone X	Clean, low risk

Both properties are Zone X — neither requires federally-mandated flood insurance. However, Ashford's below-average relative elevation and the nearby Zone A28 loss record are worth attention — voluntary NFIP or a private flood policy is worth quoting there. Rosewood's elevated position and clean loss history make it a lower-concern profile by every measure.

Quote a private flood supplement on Ashford at $500K building / $100K contents… ↑

Screen 3A — Agent Dashboard: Book Overview

🔒 demo.brollygraph.com/dashboard

🔔 6

Needs your attention

6 items across quotes, renewals & docs

See all →

⏱

8 quotes expire this week

$23.4K premium at risk

📄

3 elevation certs pending

Blocking Kingfisher referrals

🔄

27 renewals in next 30d

$74.2K retention opportunity

💰

Feb commission statement

$4,128 ready to review

Book Overview

Active policies

🛡

412

+14 bound this month

Open quotes

📋

5 referred · 8 expiring <7d

Customers

👥

398

+12 new this month · 14 with multiple policies

MTD written premium

📈

$42.7K

+18% vs Feb · on track for $58K

⏱ Quote Activity

Recent quotes across your book

View all →

M. Tran — 214 Oleander Dr, Wilmington

QT-02914 Ready to Bind

$1,847/yr

WaterBear · 1h ago

J. Alvarez — 4912 Masonboro Loop, Wilmington

QT-02911 Referred · EC

$4,812/yr

Kingfisher · 4h ago

K. Reeves — 8 Harbour View Pl, Wrightsville

QT-02908 Bound

$3,214/yr

RockHopper · Yday

D. Patel — 1128 Forest Hills Dr, Wilmington

QT-02897 Awaiting client

$2,104/yr

WaterBear · 2d ago

🔄 Pipeline

Renewals & retention

YTD retention

91.4%

127 renewed · 12 lapsed

Next 7 days

8 · $19.2K

8–30 days

19 · $55.0K

31–90 days

64 · $187K

Screen 3B — Customer Book: Search, Filter & Bulk Actions

🔒 demo.brollygraph.com/customers

Customer book

398 customers · 412 active policies · 38 open quotes

🔍

✓

4 customers selected

Clear

	Customer · Property	Status	Carrier · Policy #	Zone	Premium	Renewal
✓	Mia Tran 214 Oleander Dr, Wilmington NC 28403	Quote Ready	WaterBear QT-02914	X	$1,847 /yr	—
✓	Jordan Alvarez 4912 Masonboro Loop, Wilmington NC 28409	Referred · EC	Kingfisher QT-02911	AE	$4,812 /yr	—
✓	Kara Reeves 8 Harbour View Pl, Wrightsville Beach NC 28480	Active	RockHopper POL-RH-48127	VE	$3,214 /yr	Apr 14, 2026 38 days
✓	Devon Patel 1128 Forest Hills Dr, Wilmington NC 28403	Awaiting Client	WaterBear QT-02897	X	$2,104 /yr	—
	Lena Okafor 303 N 4th St, Wilmington NC 28401	Active	WaterBear POL-WB-31288	X	$612 /yr	Jun 2, 2026 87 days
	Ray Holloway 2211 Chestnut St, Wilmington NC 28405	Active	Kingfisher POL-KF-10427	AE	$2,914 /yr	Mar 22, 2026 15 days
	Priya Das 918 Summer Rest Rd, Wilmington NC 28405	Lapsed	RockHopper POL-RH-39812	X	$874 /yr	Expired Feb 4 31 days ago
	Trey Whitlow 6402 Airlie Rd, Wilmington NC 28403	Active	WaterBear POL-WB-42891	X	$742 /yr	Aug 19, 2026 165 days

Showing 1–8 of 398

…

Screen 3C — Bulk CSV Property Upload

🔒 demo.brollygraph.com/dashboard

Screen 3D — Bulk Quote Review: Process 38 Imported Properties

🔒 demo.brollygraph.com/bulk/batch-38-homes

Bulk Upload › Batch results

Review bulk quote results

morning_batch_38_homes.csv · Uploaded by you · Today 8:42am · Processed in 47s

Total rows

100% processed

✓ Ready to send

Avg $1,624/yr · $35,728 total

⚠ Needs info

Missing fields or unclear data

▲ Referred

UW review required

✕ Errors

Address not geocoded

✨

Brolly AI can finish 8 of the 11 incomplete quotes automatically

Detected missing year built, square footage & foundation type — sourced from county tax records & parcel data. Review before sending.

🔍

✓

5 ready quotes selected · $8,142/yr total premium

Row	Customer & property	Status	Premium	Detail
01	Henderson, Patricia 412 Carolina Beach Rd, Wilmington NC 28412	✓ Ready	$1,412 /yr · X Zone	Bound-ready · 30-day quote
02	Okafor, Samuel 2218 Oleander Dr, Wilmington NC 28403	✓ Ready	$2,184 /yr · AE Zone	Bound-ready · Full replacement
03	Ramirez, Diana 88 Live Oak Pkwy, Leland NC 28451	✓ Ready	$986 /yr · X Zone	Bound-ready · Lender copy ready
07	Marsh, Elaine 5014 Wrightsville Ave, Wilmington NC 28403	⚠ Missing 2	— Est. $1,410–1,680	year_built foundation ✨ AI can auto-fill
11	Kowalski, Teresa 714 Harbor Island Rd, Wrightsville Beach NC 28480	⚠ Missing 4	— Pre-FIRM · Range wide	EC required +3 more Ask customer — coastal pre-FIRM
14	Atkinson, Hollis 1 Dockside Way, Southport NC 28461	▲ Referred	— TIV $1.2M · UW tier	High TIV > $1M · Coastal VE
22	Whitfield, Owen ⚠ 9924 Pine Cove Lq · Wilmington NC 28XXX	✕ Error	—	Address not geocoded · ZIP invalid

Showing rows 1–7 of 38

Screen 3E — Commissions: Earnings, Pending Payments & Actions

🔒 demo.brollygraph.com/commissions

Commissions & production

March 2026 · Cycle closes Mar 31 · Paid on the 15th

3 actions affect your next payout

⚠

2 clawbacks pending review

$218.40 total · 14-day cancellations

🏦

Confirm ACH account

Micro-deposits verified · 1 step left

📅

Feb statement ready

$4,128.52 paid Mar 15 · 38 policies

YTD earned

$11,842

Jan–Mar 2026 · across 3 carriers

Paid to date

$7,586

Last deposit $3,458 on Feb 15

Pending payout

$4,128

Mar 15 · 38 policies booked in Feb

Accruing this cycle

$2,847

22 of ~30 days · pays Apr 15

📈 Production

Monthly commissions · trailing 12

AprMayJunJulAugSepOctNovDecJanFebMar*

All carriers Accruing / projected

📅 Upcoming

Payout schedule

Mar

$4,128.52

Feb cycle · 38 policies · ACH ••4821

In 10d

Apr

~$3,900 projected

Mar cycle · ~32 policies so far

Accruing

May

—

Apr cycle · starts Apr 1

Scheduled

📒 Ledger

Recent commission activity

Date	Customer · Policy	Carrier	Type	Premium	Rate	Commission	Status
Mar 4	K. Reeves POL-RH-48127	RockHopper	New biz	$3,214.00	15%	+$482.10	Pending
Mar 3	L. Okafor POL-WB-31288	WaterBear	Renewal	$612.00	12%	+$73.44	Pending
Mar 1	P. Das POL-RH-39812	RockHopper	Clawback	$874.00	−15%	−$131.10	14-day cx
Feb 28	T. Whitlow POL-WB-42891	WaterBear	New biz	$742.00	15%	+$111.30	Accrued
Feb 25	R. Holloway POL-KF-10427	Kingfisher	Renewal	$2,914.00	10%	+$291.40	Accrued
Feb 15	Payout · January cycle ACH ••4821 · 31 policies				—	$3,458.21	Paid

View full ledger →

Screen 3F — Agent Market Analysis: Carrier-Friendly Target Zones (TX)

🔒 demo.brollygraph.com/chat

I'm an agent. I want to find the best areas to sell flood insurance in the Houston area — where the risk is friendlier to carriers who've been burned by TX losses. Specifically: places with flood losses outside the FEMA floodplain are the problem. Where is that issue least prominent, yet property owners are still buying flood insurance?

✦

Smart way to frame it — out-of-SFHA claims are exactly what spooks carriers, because they're losses the FEMA map didn't price for. I cross-referenced the Houston-area claims index, active policy counts, and SFHA boundaries to rank ZIPs by how clean their loss geography is while still showing real voluntary demand.

🎯 Houston-Area Flood Insurance: Carrier-Friendly Target Zones

Tier 1 — Best-in-Class · low out-of-SFHA claims, strong policy base

ZIP · Area	Out-SFHA	Avg payout	Policies	Avg prem	Vol. %
77554 · Galveston West End	✓ 0.3%	$38,400	3,820	$1,180	71%
77565 · Kemah / Clear Lake	✓ 3.8%	$51,200	1,460	$1,265	68%
77082 · Alief / Westchase	✓ 4.1%	$44,900	2,140	$940	63%

Tier 2 — Approach with Caution · Brays Bayou corridor

ZIP · Area	Out-SFHA	Avg payout	Policies	Avg prem	Vol. %
77489 · Missouri City	✗ 22.6%	$98,400	1,870	$1,410	44%
77096 · Meyerland	✗ 30.0%	$123,777	2,980	$1,731	41%
77339 · Kingwood	✗ 39.1%	$112,183	3,210	$1,540	38%

Out-SFHA = share of paid claims that fell outside the mapped Special Flood Hazard Area · Vol. % = policies bought voluntarily outside the SFHA. Figures are zip-level aggregates, not quotes for specific homes.

Kingwood Downtown Clear Lake Westchase Brays Bayou Meyerland Missouri City Galveston West End

Leaflet | © OpenStreetMap contributors

Tier 1 · carrier-friendly · Tier 2 · out-of-SFHA loss corridor

♟ Strategic Play

Lead with 77554, 77082, and 77565. Clean loss geography and a strong voluntary non-SFHA base mean fewer surprise out-of-floodplain claims — exactly the book a burned carrier will re-open capacity for. Build density in these three ZIPs before you compete in the Brays Bayou corridor (77096, 77339), where 30–40% of paid claims fall outside the mapped SFHA and average payouts run 2–3× higher.

📖 SOURCES (3)

FEMA National Flood Hazard Layer (NFHL) ▾

Brollygraph Historical Claims Index · Harris & Galveston County ▾

NFIP Policy & Claim Statistics · zip-level ▾

✦

Screen 3G — Agent Risk Summaries: Prioritized Quotes + Customer Snippets

🔒 demo.brollygraph.com/chat

For my open coastal quotes, give me a short flood-risk summary for each — plus a customer-ready snippet I can paste into an email to nudge them to bind.

✦

Here are your open coastal quotes, ranked by how much each customer benefits from binding now — each with a paste-ready snippet you can drop straight into an email or text.

▲ High priority Downtown · Jacksonville, FL 32202

QT-7K2D9F

Zone X (unofficial) 865 ft from AE line Elev 9.9 ft · barely above grade ~4 ft Cat-4 surge 33 ZIP claims · $137,178 avg

✉ Customer snippet

"Your Jacksonville property is mapped low-risk today — but it sits just 865 ft from the high-risk line, barely above grade, and the ZIP already has 33 flood claims on record. Locking coverage in now, at preferred Zone-X pricing, is the smart move before the next map update or storm."

◆ Moderate priority Downtown · Boston, MA 02201

QT-3M8WBT

Zone X Elev 38.8 ft · 8+ ft above avg 781 ft from nearest SFHA No surge exposure

✉ Customer snippet

"Your Boston property sits comfortably above the flood zone, so coverage here is some of the most affordable available — easy to put in place before it's ever needed. Your quote's ready; let's close it out."

+ 4 more open coastal quotes in the same format show all ▾

✦

Screen 4A — Welcome & Greeting

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askbrolly

What can I help with?

Ask me anything related to flood insurance.

✦

Get a quote

Get a flood insurance quote

≡

File a claim

File a claim on my insurance policy

Ask a question

I have a general flood insurance question

💬

Existing policy

I need help with an existing policy

Screen 4B — Property Owner Flood-Risk Comparison: Two Properties, Side by Side

🔒 demo.brollygraph.com/chat

I'm deciding between two Houston properties, both around $575K, and flood risk is my biggest concern. Compare their flood zone, claim history, and what flood insurance would cost — A) Meyerland (77096) and B) The Heights (77008).

✦

Great comparison to run before you commit — flood risk is exactly what to scrutinize on a $575K Houston purchase. I pulled flood zone, elevation, modeled depths, claim history, and zip-level premiums for both. Here's the full side-by-side.

🏠 Two Houston Properties

📍 Meyerland · 77096 — near Brays Bayou

📍 The Heights · 77008 — on the Heights ridge

1. Flood zone & map classification

	Meyerland (77096)	The Heights (77008)
FEMA zone	✗ AE — High Risk (SFHA)	✓ X — Minimal Hazard
In flood zone?	Yes — mandatory purchase	No
Base Flood Elevation	56 ft	N/A
Watershed	Brays Bayou	White Oak / Buffalo Bayou

⚠️

Meyerland sits in Zone AE — the high-risk Special Flood Hazard Area; with a federally backed mortgage, flood insurance isn't optional. The Heights is Zone X (minimal). These are unofficial determinations — but Harvey's lesson holds: Zone X does not mean "no risk."

2. Elevation profile

	Meyerland (77096)	The Heights (77008)
Property elevation	~55.2 ft	~54.9 ft
Neighborhood average	~54.2 ft	~55.8 ft
Relative to neighbors	✓ ~1 ft above local avg	✗ ~0.9 ft below local avg

3. Modeled flood depths

Return period	Annual chance	Meyerland	The Heights
20-yr	5%	—	0.07 ft
100-yr	1%	—	0.26 ft
500-yr	0.2%	0.46 ft	0.36 ft

Interesting wrinkle: Meyerland shows no modeled depth through the 100-yr event, while The Heights — despite Zone X — shows shallow flooding from the 10-yr. Meyerland's AE tag reflects Brays Bayou's broader drainage basin more than the parcel's own modeled depth. Both sit well inland from hurricane surge.

4. Flood claim history (zip)

	77096 (Meyerland)	77008 (Heights)
Claims on record	~6,478	~1,675
Avg payout	$123,777	$55,935

77096 carries ~4× the claims and roughly double the average payout — Brays Bayou is one of Houston's hardest-hit corridors (Harvey the most notable). Figures are nominal historical dollars.

The Heights White Oak Bayou Downtown Memorial Park Buffalo Bayou Montrose Bellaire Brays Bayou Meyerland Westbury

Leaflet | © OpenStreetMap contributors

Meyerland (A) · higher risk · The Heights (B)

5. Insurance cost (zip-level NFIP averages — not a quote for these specific properties)

	Meyerland AE (77096)	Heights X (77008)
Avg NFIP premium	~$1,731/yr	~$860/yr
Avg building coverage	~$241,000	~$238,000

The AE-zone premium roughly doubles the cost. A private policy may price Meyerland better if an elevation certificate shows it above BFE — and given the Heights' modeled shallow flooding, private cover is worth a look there too.

Bottom line

Meyerland (A) carries materially more flood risk — high-risk FEMA zone, ~4× the claim history, and mandatory insurance if mortgaged (~$1,731/yr).
The Heights (B) is the lower-risk option by every regulatory and historical measure, and costs roughly half as much to insure (~$860/yr).
Zone X doesn't mean zero risk — Houston's drainage issues affect the whole city — so coverage is still worth carrying on the Heights, just at far lower cost.

Want me to pull a quote for either or both properties?

📖 SOURCES (3)

FEMA National Flood Hazard Layer (NFHL) ▾

Brollygraph Historical Claims Index · Harris County ▾

NFIP Policy & Claim Statistics · zip-level ▾

✦

Screen 4C — Upload Existing Policy Document

🔒 demo.brollygraph.com/dashboard

I have an existing flood insurance policy to upload

✦

Do you have an existing flood insurance policy document you'd like to upload?

✦

Great — go ahead and upload your policy document below and I'll pull the property details from it.

⬆

Upload insurance document

PDF, JPEG or PNG · up to 10 MB

Screen 4D — General Knowledge: Flood Insurance Q&A

🔒 demo.brollygraph.com/dashboard

What does flood insurance cover?

✦

Flood policies protect your property's structure up to $250K and your belongings up to $100K — things like appliances, electrical systems, and furniture. Basements, vehicles, and landscaping typically aren't covered.

📖 SOURCES (3)

Flood Insurance Coastal Cities Brochure ▾

Unexpected Flood Risks Flyer ▾

Flood Insurance Policy General Terms ▾

✦

Is there a waiting period?

✦

Most standard flood policies kick in 30 days after purchase, so it's worth getting covered before storm season. Private flood insurers sometimes offer shorter waiting periods — as little as 10–14 days.

📖 SOURCES (2)

Unexpected Flood Risks Flyer ▾

Flood Insurance Policy General Terms ▾

✦

Screen 4E — Private Knowledge Base: Upload Policy Document & Ask Questions

🔒 demo.brollygraph.com/dashboard

What does my flood policy cover?

✦

I'll give you a much more accurate answer with your actual policy document — want to upload it?

✦

Go ahead and upload your document.

✓

Document uploaded

flood-insurance-policy-highland-park-tx.pdf

What are my coverage limits?

✦

Your policy shows building coverage of $250,000 and contents coverage of $100,000 with a $1,000 deductible for both. The effective date is March 1, 2025.

📖 SOURCES (1)

flood-insurance-policy-highland-park-tx.pdf ▾

"Building Coverage Limit: $250,000 — Contents Coverage Limit: $100,000 — Deductible: $1,000 — Policy Effective: 03/01/2025"

✦

Screen 4F — Property Owner Flood-Risk Profile: One Address, In Depth

🔒 demo.brollygraph.com/chat

My agent told me I'm "not in a flood zone" so I don't need flood insurance. My place is in Jacksonville, FL 32202, a few blocks from the St. Johns River. Is that actually right?

✦

Technically your agent is right that you're not in a high-risk zone — but "not in a flood zone" and "no flood risk" aren't the same thing. I pulled the FEMA map, elevation, storm-surge model, and ZIP claim history for your address. Here's the honest picture.

📍 Downtown · Jacksonville, FL 32202 — near the St. Johns River

1. Flood zone & map classification

FEMA zone	✓ X — Minimal Hazard (unofficial)
In high-risk SFHA?	No — flood insurance not mandated
Distance to high-risk (AE) line	✗ just 865 ft away
Base Flood Elevation	N/A in Zone X

⚠️

You're in Zone X, but only 865 ft from the high-risk AE boundary. FEMA maps are drawn at a coarse scale and updated infrequently — being just outside the line is not the same as being safe, especially this close to the river.

AE · High-risk zone St. Johns River Downtown ←865 ft→

Leaflet | © OpenStreetMap contributors

Your home (Zone X) · Mapped high-risk AE area

2. Elevation profile

Property elevation	~9.9 ft
Neighborhood average	~9.5 ft
Relative to neighbors	✗ only ~0.4 ft above — barely above grade

3. Storm-surge exposure

Your address sits within the modeled ~4 ft storm-surge footprint of a Category-4 hurricane. NFIP zone maps don't price hurricane surge — so a property can be "Zone X" on paper and still take on several feet of water in a major storm.

4. Flood claim history (ZIP 32202)

Claims on record	~33
Avg payout	$137,178

Thirty-three paid flood claims in your ZIP, averaging $137,178 — and most of those properties were "low-risk" Zone X too. Figures are zip-level aggregates, not specific to your home.

Bottom line

Your agent is right that coverage isn't required — you're in Zone X, so there's no mandate.
But you're 865 ft from the high-risk line, barely above grade, inside a Cat-4 surge footprint, in a ZIP with 33 paid claims. That's real, unpriced risk.
The upside: as Zone X, you qualify for preferred-risk pricing — the most affordable flood coverage there is. Locking it in now is the smart, low-cost move.

Want me to pull a preferred-risk quote for this address?

📖 SOURCES (3)

FEMA National Flood Hazard Layer (NFHL) ▾

NOAA SLOSH Storm-Surge Model · Duval County ▾

NFIP Policy & Claim Statistics · zip-level ▾

✦

Screen 5B — Property Details: Split View (chat + live profile)

🔒 demo.brollygraph.com/property

Get a flood insurance quotation

✦

I pulled the property record for 5126 Avenue O — it's on the right. You're 12 of 13 fields in; just confirm everything looks right and I'll pull your flood quotes.

Looks right — go ahead.

✦

Perfect — pulling quotes for 5126 Avenue O, Galveston now…

🏠 Property

My Property

5126 Avenue O, Galveston, TX 77551

Almost there — 1 field remaining 12/13

Address Line 1

5126 Avenue O

City

Galveston

State

ZIP

77551

Occupancy Type

Single Family Home

Year Built

1953

Area (SQFT)

2128

Number of Floors

One Story

Construction Material

Wood Frame

Foundation Type

Slab

Type of Use

Residential

Primary Residence

Yes

Screen 5D — Property Owner Dashboard

🔒 demo.brollygraph.com/dashboard

🔔 3

Needs your attention

3 items waiting on you

See all →

⏱

Quote expires in 5 days

WaterBear · QT-00142

📄

Elevation cert needed

For Kingfisher review

💳

Payment due Mar 15

RockHopper · $1,596

📍 Active Property

3911 W 21st Ave, Denver, CO 80212

Flood Zone AE Built 1962 1,420 sq ft

Annual Premium

$1,596

✓

Active Policies

⏱ Quote Activity

Recent Quotes

View all →

WaterBear Flood

QT-00142 Ready to Bind

$1,248/yr

2d ago

Kingfisher Flood

QT-00141 Referred

$3,120/yr

3d ago

RockHopper Insurance

QT-00138 Bound

$1,596/yr

5d ago

☂ Coverage

Your flood policy at a glance

View policy →

Building coverage

Structure, plumbing, HVAC

$250K

limit

Contents coverage

Furniture, appliances, belongings

$100K

limit

Deductible

Per flood event

$1,000

Renews Mar 1, 2027

Screen 5E — Policy Summary: Generated Brollygraph Document

🔒 demo.brollygraph.com/policies/26-22-FLD8KQ2WX/summary

PDF

Policy-Summary-26-22-FLD8KQ2WX.pdf

2 pages · generated Jun 16, 2026

Brollygraph

Policy Summary

Flood Insurance · BG1 · New Business

Policy

26-22-FLD8KQ2WX

Active

Generated Jun 16, 2026

Policy Number

26-22-FLD8KQ2WX

Annual Total

$773.54

Effective Date

Jun 15, 2026

Status

Active

Policy & Insured

Policy

26-22-FLD8KQ2WX

Product

Flood Insurance · BG1 · New Business

Status

Active

Named Insured

Mr Daniel Rivera

Effective

Jun 15, 2026

Expires

Unavailable

daniel.rivera@example.com

Phone

+1 (555) 018-4427

Created

Jun 15, 2026

Additional Insured

None listed

Property

Property Address

1420 Heron Bay Dr, Mandeville, LA 70471

Mailing Address

1420 Heron Bay Dr, Mandeville, LA 70471

Premium Breakdown

Item	Amount
Building Premium	$542.99
Contents Premium	$162.90
Policy Fee	$50.00
State Premium Tax	$17.65
Annual Total	$773.54

Page 2

Coverage Details

Coverage	Limit	Deductible	Premium
Building	$393,470.00	$2,500.00	$542.99
Contents	$118,041.00	$2,500.00	$162.90

Risk Details

Occupancy

Single Family Home

Use

Residential

Foundation

Slab

Construction

Wood Frame

Year Built

1985

Area

3,185 sq ft

Primary Residence

Yes

Authorization / Signature

Signature

Signer Name

Daniel Rivera

Signed Date

Jun 15, 2026

Source Quote

QT-9F3KD2BV

Generated from live policy data · Not a carrier declaration page. brollygraph.com

Screen 5F — End-to-End Flow: Quote → Underwriting → Flood Risk → Finalize → Sign → Pay → Active

🔒 demo.brollygraph.com/chat

⌂

5126 Avenue O, Galveston, TX 77551 · QT-H0T0JSCV

$3,285.83/yr

Policy active

✓

Select

✓

Submit

✓

Admin Review

✓

Finalize

✓

Bind

Bound & active.Updated Jun 18

Get a flood insurance quotation

✦

Setting this up now — if you have an existing policy document handy, drop it here and I'll pull the address; otherwise fill in the property details below.

3 quotes found

Stormline Flood

QT-H0T0JSCV

QUOTE SELECTED

5126 AVENUE O, GALVESTON, TX 77551

Private Flood — Preferred

$3,285.83 /YR

Premium$3,210.83

Taxes$50.00

Fees$25.00

📅 EFFECTIVE JUN 5

Details▾

WaterBear Flood

QT-5XUQ6YU8

5126 AVENUE O, GALVESTON, TX 77551

Private Flood — Standard

$4,007.70 /YR

Premium$3,920.00

Taxes$62.70

Fees$25.00

📅 EFFECTIVE JUN 5

Details▾

RockHopper Flood

QT-VBQDTYQD

5126 AVENUE O, GALVESTON, TX 77551

Private Flood — Enhanced

$4,224.35 /YR

Premium$4,125.00

Taxes$74.35

Fees$25.00

📅 EFFECTIVE JUN 5

Details▾

Selected QT-H0T0JSCV

✦

QT-H0T0JSCV is already sitting with underwriting — the reason is coastal proximity (within 1,000 feet of the shoreline), which triggers a quick manual check. These typically clear in a minute or two. Once it's through, the next step will be locking in the named insureds and contact info to get the policy issued.

Submitted QT-H0T0JSCV for review

✦

That quote is already with underwriting — no need to resubmit. I'll let you know as soon as it clears so we can move on to the named insureds and contact info.

Tell me about the flood risk — show me some maps.

✦

Here's what I'm pulling together for 5126 Avenue O, Galveston — give me a moment to fetch the flood zone, elevation, surge profile, and claim history.

Flood Zone

5126 Avenue O sits in FEMA Zone AE with a Base Flood Elevation of 11 ft — firmly inside the high-risk Special Flood Hazard Area (SFHA). This is an unofficial determination, not a formal FEMA flood zone determination.

Elevation

The property sits at approximately 9.6 ft above sea level, slightly above the immediate neighborhood average of ~8.4 ft — a modest advantage, but still below the 11 ft BFE, which matters for rating and potential mitigation.

Neighborhood Context

Galveston County has significant flood exposure: roughly 32% of the county's population and 40% of housing units fall within the SFHA. Over half the county's land area (55%) is mapped as high-risk flood zone.

Modeled Flood & Surge Depths

These are modeled estimates, not official determinations:

Return Period	Annual Chance	Flood Depth (ft)	Surge Depth (ft)
10 yr	10%	—	—
20 yr	5%	—	—
50 yr	2%	0.03	0.72
100 yr	1%	0.10	2.79
200 yr	0.5%	0.10	4.20
500 yr	0.2%	0.10	5.94

Surge risk is the dominant hazard here — at a 1-in-100-year event, storm surge could reach nearly 3 ft, climbing to nearly 6 ft at the 500-year level.

Flood Claim History

At least 6,507 flood insurance claims are on record for ZIP 77551, with an average payout of $65,591 (nominal historical dollars). Narrowing to Zone AE specifically, at least 2,980 claims average $76,780 — reflecting the heavier losses typical of high-risk zone properties.

Hurricane Surge

Projected hurricane surge depth — NOAA SLOSH model (estimated):

Cat 1 · —Cat 2 · 2 ftCat 3 · 7 ftCat 4 · 13 ftCat 5 · 17 ft

52nd StAvenue O52055106510251125126

✦

Heads up — your referral cleared on quote QT-H0T0JSCV. Whenever you're ready, just say the word and I'll help you finalize it.

QT-H0T0JSCV referral cleared automatically — opening the finalize details

✦

Opening the finalize details for you…
The named insured and mailing address fields are ready above — once you complete those, we'll move straight to signing and payment.

Insured Details

Confirm insured and mailing details before continuing.

1 of 4

First Name *

John

Middle

Last Name *

Doe

Mailing Address

Where policy documents and correspondence will be sent.

Address Line 1 *

5126 Avenue O

Address Line 2

Unit 4B

City *

Galveston

State *

ZIP Code *

77551

✦

Opening the finalize details for you…
Fill in the named insured and mailing address above and we'll get QT-H0T0JSCV ready to sign and pay.

✓

Flood insurance quote finalizedCompleted

Final quote details have been reviewed and submitted successfully.

✏

Authorize with your signature

Your signature authorizes us to bind this quote into an active policy.

3 of 4

Quote

QT-H0T0JSCV

Carrier

Stormline Flood

Property

5126 Avenue O, Galveston, TX 77551

Premium

$3,210.83/yr

Full legal name

John A. Doe Jr.

Signature

✎ Clear

By signing above you authorize Brolly to bind the quoted policy and acknowledge the premium will be due.

✦

Signature received. Last step — review the annual total and pay to activate your policy.

💳

Pay your first premium

Review the annual total and complete payment to activate your policy.

4 of 4

Quote

QT-H0T0JSCV

Carrier

Stormline Flood

Property

5126 Avenue O, Galveston, TX 77551

$3,285.83 / year

Billed annually for the current policy term.

Premium$3,210.83

Taxes$50.00

Fees$25.00

Total$3,285.83

✦

✓

Policy active

Quote QT-H0T0JSCV is now bound and active. View it in your dashboard.

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