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SOV Revision Diff

Brokers send V2 (and V3, and V4) of the Statement of Values mid-quote. InsightWorker watches the submission folder, diffs the new SOV against the prior version row-by-row, and emails the underwriter exactly what changed.

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Insurance — Underwriting Ops
Commercial property, energy, marine cargo — any LOB where SOVs revise mid-quote
SharePointExcel diffSOVunderwriting opscompliance

The problem

  • Broker resends an updated SOV three days into the quote. Underwriting assistant manually diffs columns in Excel — easy to miss a deleted location, a TIV bump on one row, or a construction-code change on another.
  • Re-running the rate model on V2 wastes time when 90% of the rows didn't change — the underwriter wants to know what to re-evaluate, not what to redo.
  • Compliance wants every revision tracked: which version did we quote on? When did the broker change which row?
  • When a broker sneaks in a new high-TIV location at the last minute, that should trigger a hard pause — not roll quietly into the quote.

How InsightWorker handles it

1
Watch each submission folder for new files matching SOV*.xlsx. Trigger on file create or update events. sharepoint_list · file watch · scheduler
2
Find the most recent prior SOV in the same folder (next-most-recent file with the same naming pattern). sharepoint_list · agent reasoning
3
Read both Excels, normalize columns (TIV / construction / occupancy / address), key by location identifier. sharepoint_read · excel
4
Diff row-by-row: added locations, removed locations, TIV deltas (per row and total), construction/occupancy/protection changes, address changes. agent reasoning · stored-proc-review pattern
5
Drop a markdown diff in the submission folder (sov_diff_v1_to_v2.md) and email the underwriter a digest with the high-impact changes called out. sharepoint_read · write_file · send_email
6
Hard-flag anything that should trigger a re-quote: TIV change >5%, new locations >$5M, construction class downgrade, or coverage trigger changes (BI vs. property only). agent reasoning · playbook thresholds
7
Audit log: store every diff in .insightworker/sov-revisions/<insured>/ for compliance review. memory · daily log

Sample prompt

"Acme just sent SOV V3 — diff it against V2 and tell me if I need to re-rate."
Deliverables: sov_diff_v<n>_to_v<n+1>.md · diff email to underwriter · audit log per insured
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