insurance-gap-auditorv1.0.1

A homeowner sits down once a year with their declarations pages and the agent's audit skill to re-test each policy against current life changes like renovations, a new pet, or a teen driver. The skill walks the 15+ household risk scenarios and produces a dated gap list with rider names and coverage amounts to request.

After a denied or underpaid claim (e.g., a roof paid at actual-cash-value or jewelry capped at a sub-limit), a policyholder uses the auditor to identify which standard exclusion bit and what endorsement or schedule would close it. The output reframes the denial as a specific, fixable coverage gap.

A family comparing home or auto quotes from multiple carriers runs each quoted structure through the scenario engine to see which exclusions and sub-limits are hiding behind similar premiums. This surfaces the endorsement differences that determine real payout at claim time rather than headline price.

A high-net-worth household with $450k net worth and significant income exposure uses the liability module to compute an umbrella limit from net worth plus income exposure instead of guessing. The result is a defensible coverage target with underlying-limit requirements spelled out for the agent.

A renter or frequent traveler audits contents off-premises limits, e-bike and scooter treatment, and travel policy gaps against thefts and losses abroad. The skill flags that Class 2/3 e-bikes fall under neither home nor auto and specifies the bike or moped endorsement to add.

The open-source Python CLI is free to run locally, with a paid tier for saved policy inventories, multi-year audit history, and PDF export. Revenue comes from individual subscriptions to the hosted dashboard and premium rider-cost data updates.

Independent insurance agencies license the auditor as a branded client-intake and annual-review tool, generating concrete rider and coverage requests that feed directly into policy sales. The agent captures the gap list, the agency closes it with a quote.

Wealth managers and fee-only advisors embed the liability sizing and gap audit into annual client reviews as a value-added planning service. It supports umbrella and estate-coordination conversations without selling insurance directly.