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AskBrolly — Product Walkthrough

AI-native flood insurance — one platform, three audiences.
Homeowners
  • Flood-risk chat & private-flood quote-to-bind
  • Policy upload, knowledge Q&A, and live dashboard
Agents
  • Customer book, bulk CSV quoting, batch review
  • Commissions ledger and renewal tracking
Underwriters & Portfolio Admin
  • Referral review, approvals, bulk clearance
  • Portfolio AI — book-level Q&A, risk lookups, leaderboards
5 Parts 21 Screens Click any card to expand
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Part 1

Underwriting & Portfolio Admin

Command center, referral review queue, and clearance workflow

Screen 1A — Admin Dashboard: Command Center
🔒 demo.brollygraph.com/dashboard
AskBrolly
⊞Dashboard
📄Documents
👥Members
🎧Support
A
🛡 System
Command Center
Monitor platform health, track active users, and manage system configurations.
🔔 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 homeowners
👥
Pending reviews
84
Across 2 queues
⚠️
Manual review
27
Individual referrals — SFHA, high TIV, EC required
AI-assisted bulk
57
in 3 batches
Renewals, remaps, RR 2.0 re-rates — spot-check & approve
Screen 1B — Referral Queue: Review & Clear Referred Quotes
🔒 demo.brollygraph.com/review
AskBrolly
⊞Dashboard
📄Documents
👥Members
🎧Support
A
🛡 Admin › Referrals
Referral Queue
Review and process referred quotes that require admin approval.
⏱ Quote Review
Search by quote, rule, address, referral id, or notes.
Total 12 Referred 7
Search
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
AskBrolly
⊞Dashboard
📄Documents
👥Members
🎧Support
A
Referral Queue
Approve referral
Add a short note explaining why this quote can move forward.
Briefly document the approval rationale for audit purposes.
Part 2

Portfolio & Underwriting AI

Internal analyst & operations tool — natural-language access to flood claims, property profiles, risk data, policy administration, referral review, bulk quoting, clearance, book analytics and portfolio monitoring

Screen 2A — Portfolio & Underwriting AI: Book-Level Analysis
🔒 demo.brollygraph.com/insights
Portfolio & Underwriting AI
user_type: internal
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.
ZoneOccupancyClaims Avg PaidAvg Premium Loss RatioTotal Paid
XSingle Family11,839$91,133$31,862$112,502$1.24B
XSingle Family (RR2.0)10,656$89,117$31,527$120,644$1.10B
AESingle Family10,180$98,090$23,904$121,994$1.13B
AESingle Family (RR2.0)10,176$93,032$25,435$118,467$1.11B
AENon-Res (RR2.0)790$176,995$53,032$230,027$127.7M
AE5+ Unit Residential686$203,641$2,245$205,886$111.8M
AEBusiness665$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.
ProfileClaimsAvg Water DepthAvg 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 elevated5,1002.3"$172,224
2-floor, Post-FIRM, not elevated3,5083.0"$154,913
3+ floor, Post-FIRM, not elevated3792.0"$317,464
Elevated buildings (any)~2,5002–4"$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/insights
Portfolio & Underwriting AI
user_type: admin · scope: agent_performance
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
RankAgent QuotesBound Conv. % Avg PremiumTotal Premium Δ vs Q4
1AGT-0000374228738.7%$1,240$355,880+18%
2AGT-0001461324139.3%$1,308$315,228+11%
3AGT-0001782421826.5%$1,504$327,872+24%
4AGT-0000154920437.2%$955$194,820+7%
5AGT-0000868719528.4%$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
RankAgent QuotesBound Conv. % Avg PremiumTotal Premium Δ vs Q4
▼1AGT-00044 Red flag9,84700.0%—$0new
▼2AGT-000023,216421.3%$966$40,572−19%
▼3AGT-000072,104512.4%$1,082$55,182−27%
▼4AGT-000121,687583.4%$1,291$74,878−12%
▼5AGT-000191,122494.4%$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/insights
Portfolio & Underwriting AI
user_type: agent · scope: property_risk_lookup
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 home'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
TierZIPArea ClaimsSFHA % Avg PaidAvg Elev
Extreme28480Wrightsville Beach1,51797%$15,8631.9 m
Very High28409SW Wilmington / Masonboro43680%$10,6342.7 m
Elevated28405N Wilmington / Landfall25981%$22,4054.5 m
Elevated28403Midtown Wilmington16270%$19,0114.8 m
Mod-High28411Porter's Neck / NE Wilmington12185%$15,4413.5 m
Low-Mod28401Downtown / Historic6062%$18,6448.1 m
Lowest28412S Wilmington / Monkey Junction3376%$8,4283.4 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: VA Property Comparison with Book Overlay
🔒 demo.brollygraph.com/insights
Portfolio & Underwriting AI
user_type: agent · scope: property_risk_lookup + book_overlay
Compare 9610 Ashford Ln, Fairfax VA 22031 and 6930 Rosewood Dr, McLean 22101. 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, Fairfax 22031 6930 Rosewood Dr, McLean 22101
Flood ZoneX — Minimal Flood HazardX — Minimal Flood Hazard
SFHA (mandatory purchase)❌ No❌ No
Zone ConfidenceHigh (rooftop footprint, single zone)High (footprint matched, single zone)
Footprint Size~5,077 sq ft~1,445 sq ft
Point elevation101.8 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 exposureNone (all cats null)None (all cats null)
NFIP losses within 500m1 claim — Zone A28, $23,402 paid1 claim — Zone X, $0 paid
Key differentiator — relative elevation. Both homes sit at nearly identical absolute elevations (~101.5–101.8 m), but their positions relative to their surroundings are opposite. Lindenbrook sits ~20 ft below its neighborhood average (water converges). Tyndale sits ~15 ft above (water drains away). The nearby Zone A28 loss at Lindenbrook — $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=[22031, 22101] · active=true · all_years 1.2s
ZIP-level policy mix and historic losses side-by-side. All premiums nominal USD.
📊 ZIP Code Comparison — 22031 vs. 22101
Metric 22031 (Fairfax) 22101 (McLean)
Active Zone X policies67 @ avg $660/yr181 @ avg $522/yr
Active SFHA (AE) policies12 @ avg $1,019/yr—
Active SFHA (A) policies5 @ avg $462/yr22 @ avg $993/yr
Avg building coverage (SFHA)$201K–$250K$250K
Historic NFIP losses (all-time)21 records28 records
Dominant loss zoneZone X (9 claims)Zone X (21 claims)
Avg paid per claim (Zone X)$753$2,360
  • 22101 McLean has a larger policy base (181 Zone X vs 67) reflecting higher property values and some SFHA pockets along the Potomac tributaries — Zone A policies at avg $993/yr signal meaningful floodplain exposure.
  • 22031 Fairfax 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 22031 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 (22031) Rosewood (22101)
Official flood zoneZone X ✅Zone X ✅
Relative topography⚠ Below neighborhood — water converges✅ Above neighborhood — water drains
Nearby historic loss activity1 SFHA-zone claim, $23K paid1 zero-pay Zone X claim
ZIP SFHA policy densityHigher (proportionally)Lower
Overall flood risk signalSlightly elevated despite Zone XClean, 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. Tyndale'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… ↑
Part 3

Agent Workspace

Book overview, customer search with bulk actions, CSV upload, bulk quote review, and production economics

Screen 3A — Agent Dashboard: Book Overview
🔒 demo.brollygraph.com/dashboard
AskBrolly
⊞Dashboard
🏠Properties
📄Documents
📋Quotes
🛡Policies
💰Commissions
🎧Support
M
☂ Agent
Good morning, Marcus
Tidewater Insurance Group · Wilmington, NC · Producer #NC-09184
🔔 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
📋
38
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
AskBrolly
⊞Dashboard
🏠Properties
📄Documents
📋Quotes
🛡Policies
💰Commissions
🎧Support
M
Customer book
398 customers · 412 active policies · 38 open quotes
🔍
✓
4 customers selected
Clear
 Customer · Property Status Carrier · Policy # Zone Premium Renewal Actions
✓
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
AskBrolly
⊞Dashboard
🏠Properties
📄Documents
📋My Quotes
🛡My Policies
💰Commissions
🎧Support
A
Welcome back, Sarah
Bulk upload property information
Upload a CSV file and import complete rows into your Properties table. Incomplete rows are skipped automatically.
⬇ Download CSV template
Use this exact format
Required: *address1 *city *state *zipcode
Optional columns are imported into property metadata.
📄
Click to select CSV file
.csv files only
Screen 3D — Bulk Quote Review: Process 38 Imported Properties
🔒 demo.brollygraph.com/bulk/batch-38-homes
AskBrolly
⊞Dashboard
🏠Properties
📄Documents
📋Quotes38
🛡Policies
💰Commissions
🎧Support
M
Bulk Upload › Batch results
Review bulk quote results
morning_batch_38_homes.csv · Uploaded by you · Today 8:42am · Processed in 47s
Total rows
38
100% processed
✓ Ready to send
22
Avg $1,624/yr · $35,728 total
⚠ Needs info
11
Missing fields or unclear data
▲ Referred
3
UW review required
✕ Errors
2
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 Actions
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
AskBrolly
⊞Dashboard
🏠Properties
📄Documents
📋Quotes
🛡Policies
💰Commissions
🎧Support
M
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
15
$4,128.52
Feb cycle · 38 policies · ACH ••4821
In 10d
Apr
15
~$3,900 projected
Mar cycle · ~32 policies so far
Accruing
May
15
—
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 →
Part 4

Homeowner Onboarding

Welcome screen, flood-risk chat, uploading an existing policy, and flood-insurance knowledge Q&A

Screen 4A — Welcome & Greeting
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⊞Dashboard
🏠Property
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What can I help with?
Ask anything about flood insurance, file a claim, or get a quote.
✦
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 — Homeowner Flood Risk Comparison Chat (early exploration)
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Compare the flood risk of 5397 Lynbrook Dr, Houston, TX 77056 and 3663 Del Monte Dr, Houston, TX 77019. I'm considering both - which one is safer?
✦
Great question — I pulled the full picture for both. Here's what I found, starting with the basics.
🏠 Two Houston Properties
📍 5397 Lynbrook Dr, 77056 — Galleria / Tanglewood
📍 3663 Del Monte Dr, 77019 — River Oaks
1. Flood zone & map classification
Both properties map to Zone X — Minimal Flood Hazard on current FEMA flood maps, with high confidence on both determinations. Neither sits in a Special Flood Hazard Area (SFHA). No Base Flood Elevation applies.
⚠️
This is an unofficial determination — not a FEMA eLOMA or Letter of Map Amendment. But Harvey taught Houston a hard lesson: Zone X does not mean "no flood risk." The majority of Harris County's 2017 Harvey claims came from Zone X properties.
2. Elevation profile
  Lynbrook Dr (77056) Del Monte Dr (77019)
Site elevation18.4 m (~60 ft)17.5 m (~57 ft)
Neighborhood avg18.0 m17.3 m
Relative to surroundings✓ ~0.5m above local avg✓ ~0.2m above local avg
Hurricane surge risk✗ Outside SLOSH surge zone✗ Outside SLOSH surge zone
Both sit slightly above their neighborhoods — a modestly favorable signal for pluvial/drainage flooding. Neither is in a hurricane surge inundation zone (NOAA SLOSH), which makes sense for inner Houston. Flood risk here is almost entirely rainfall-driven, not surge-driven.
📖 SOURCES (3)
FEMA National Flood Hazard Layer (NFHL) ▾
USGS 1m DEM — Harris County ▾
NOAA SLOSH Surge Inundation Zones ▾
What about historical claims in the actual neighborhoods? Has either one flooded?
✦
Good follow-up — this is where it gets interesting. I looked at every recorded flood claim within a ½-mile radius of each address.
3. Historic loss activity within ½ mile
Zone Lynbrook (77056) Del Monte (77019)
Zone X claims62 claims · avg $18,158 total35 claims · avg $18,339 total
Zone C/B claims14 claims · avg $18,0437 claims · avg $972
Other zonesA11, A04 (legacy, minimal)A11, A14, AE (1 each — notable: A14 avg $93,822)
Total nearby claims~72~42
Lynbrook's neighborhood has a moderately higher claim density than Del Monte's — consistent with Tanglewood/Galleria's proximity to Buffalo Bayou tributaries. Del Monte's River Oaks neighborhood has somewhat fewer nearby claims, but that single A14-zone claim near it averaged $93,822 — a reminder that legacy flood zone designations nearby matter.
Summary scorecard
Dimension Lynbrook (77056) Del Monte (77019) Edge
Flood zoneX (minimal)X (minimal)Tie
Elevation vs. surroundings+0.5m+0.2mLynbrook
Nearby historic claim volume~72 claims~47 claimsDel Monte
Avg nearby claim payout~$18K~$18K (one outlier at $93K)Roughly tied
Surge exposureNoneNoneTie
Avg zone X premium$547$513Slight edge Del Monte
Coverage adequacyAt ceilingAt ceilingBoth need private supplement
Both are relatively well-positioned within Harris County's overall flood risk landscape, but neither is immune — and Harvey proved that emphatically for this part of Houston.
Hunters Creek Village Stablewood Memorial Park Tanglewood Houston Arboretum Woodway Drive Chimney Rock Rd Sage Rd Briargrove San Felipe Street Uptown
Leaflet | © OpenStreetMap contributors
Lynbrook Dr  ·  Del Monte Dr
📖 SOURCES (2)
Brollygraph Historical Claims Index · Harris County ▾
Harris County Zone Premium Benchmarks (2024) ▾
So what should I actually do? Both look fine on paper but Harvey clearly didn't care about flood zones.
✦
You're reading the signal correctly. Here's how I'd frame the decision:
  • If you're optimizing for lower historical loss exposure → Del Monte edges ahead (~42 vs ~72 nearby claims), though that A14-zone outlier nearby is worth knowing.
  • If you're optimizing for elevation cushion → Lynbrook has a slightly better relative-elevation signal (+0.5m vs +0.2m).
  • Either way, both homes are at values where the $250K standard flood building limit will cap out — you'll want a private excess / supplement to reach full replacement cost.
  • Harvey-style pluvial events are the binding risk here, not hurricane surge. I'd price both as shallow-inundation, moderate-frequency rather than catastrophic.
Want me to run full quotes side-by-side, or pull the historical claim addresses so you can see exactly where water has gone in each neighborhood?
✦
Screen 4C — Upload Existing Policy Document
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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
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What does flood insurance cover?
✦
Flood policies protect your home'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
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S
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-fairfax-va.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-fairfax-va.pdf ▾
"Building Coverage Limit: $250,000 — Contents Coverage Limit: $100,000 — Deductible: $1,000 — Policy Effective: 03/01/2025"
✦
Part 5

Quote Flow & Homeowner Dashboard

Address entry, property profile, quote results, and the homeowner's ongoing dashboard

Screen 5A — Quote Form: Property Address
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Get a flood insurance quote
✦
To get started, I'll open the quote form so you can enter your property details directly.
Property Address
Enter the address you'd like to insure.
1 of 2
Street Address *
Apt / Suite / Unit
City *
State *
ZIP Code *
Screen 5B — Property Page: Profile & Details
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S
🏠 Property
My Property
3911 W 21st Ave, Denver, CO 80212
Almost there — 1 field remaining 12/13
Address Line 1
3911 W 21st Ave
City
Denver
State
CO
ZIP
80212
Occupancy Type
Other Unit
Year Built
1955
Area (SQFT)
2714
Number of Floors
Two Story
Construction Material
Concrete Masonry
Foundation Type
Slab
Type of Use
Residential
Primary Residence
Yes
Screen 5C — Quote Results: Rate → Quote → Bind
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S
Get flood insurance for 3911 W 21st Ave, Denver, CO 80212
✦
I found 3 quotes for your property. Select the one that works best for you.
WaterBear Flood
QT-WB-2024
QUOTE SELECTED
3911 W 21ST AVE, DENVER, CO
Flood Preferred Risk — Standard
$1,248.00 /YR
$250,000 COVERAGE
📅 QUOTED APR 22
RockHopper Flood
QT-RH-2024
3911 W 21ST AVE, DENVER, CO
Private Flood — Enhanced
$1,596.00 /YR
$300,000 COVERAGE
📅 QUOTED APR 22
Screen 5D — Homeowner Dashboard
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S
Homeowner Dashboard
Welcome back, Sarah
Your flood quotes, policies, property details, and documents — all in one place.
🏢Property
📋Quotes
☂Policies
🎧Support
🔔 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
1
⏱ 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