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FRAME 4 / 24

Property review (Mode A — FORTIFIED™ present)

Frame 5 — Coverage →

ALTHEA

Schneider Insurance · Richard

✓

Address

2

Property

3

Coverage

4

Quote

16573 Pine Valley Ct, Loxley AL

Owner-occupied SFR · Baldwin County

We've pulled what we can from public property data and your client's FORTIFIED™ cert. Review the details below and edit anything that doesn't look right.④

Property details

Year built

2005

Square footage

2,751 sq ft

Stories

1

Wind mitigation② Read-only · derived from cert

Roof geometryHip

Roof cover typeWind-rated asphalt

Roof age5 years (2020)

Roof deck attachment8d @ 6" / 6"✓ Verified via cert

Secondary water resistancePresent✓ Verified via cert

Opening protectionPresent

Roof edge protectionDrip edge installed

Additional information

Construction Masonry veneer over wood frame

Exterior wall Brick / masonry veneer

Attached garage Double — non-reinforced

Edits save automatically. Continue to coverage →

Indicative premium①

$1,400 – $1,700/yr

All-in · including taxes & fees

We'll lock this in as you confirm coverage.

              Eligibility
            

✓ Primary residence
✓ Single-family detached
✓ Alabama — Baldwin County
✓ FORTIFIED™ cert in force

Stories covered

As an agent, I want pre-filled property characteristics so I'm confirming, not typing.
As an agent, I want to edit pre-filled values where I believe they're incorrect.
As an agent, I want a sensible UX when a vendor lookup is slow, fails, or returns inconsistent values (skeletons, retry, manual override).
As an agent, I want IBHS FORTIFIED™ status surfaced inline (cert present / expired / none).
[NTH] As an agent, I want a ballpark all-in premium range to appear as soon as the address resolves and property pre-fill returns with sufficient confidence.
As an agent, I want all premium displays to be all-in (premium + taxes + fees) from the first ballpark onward.

Form fields drawn from the appendix's Draft property inputs, with FORTIFIED™-implied SRCs locked per "Do NOT populate simultaneously with FORTIFIED™ level" rule.

Interactions

Indicative premium — appears as soon as pre-fill returns with sufficient data confidence. All-in (taxes & fees included). Tightens as agent confirms details and locks in coverage on later screens.
Wind mitigation card — credential-style panel anchored by the FORTIFIED™ cert. The cert dates and seven derived characteristics are read-only because they're authoritative; agent can flag a cert mismatch via support but can't silently edit.
View cert — opens the underlying IBHS cert PDF.
Additional information — view-by-default with pencil. Default behavior is to review, not type.

Design notes

Three sections, three weights: Property details for basic facts (3-up), Wind mitigation as the visual anchor (FORTIFIED™ credential card), Additional information in a quieter editable list.
"✓ Verified via cert" badges only on rows where IBHS explicitly attests (deck attachment, SWR). Other wind-mitigation rows are still cert-derived but read more naturally without the tag.
Page header drops the standalone FORTIFIED™ badge — the wind-mitigation card now anchors the cert prominently, badge would be redundant.
Every form field maps to an EBM v5.1.3 input or to a non-EBM Tier 1 transparency field (square footage).
Eligibility checks on the side panel are the gates that already passed; failing any would have routed to Frame 8.

Edge cases not shown

Mode B — no FORTIFIED™ cert (next pass)
Vendor lookup failure → skeleton / retry / manual fallback
Pre-fill data sparse → ballpark suppressed with reason
FORTIFIED™ cert expired
Conflicting vendor data (Verisk vs Zesty disagree)
Zesty / Verisk fallback ladder visualization