# SUBMISSION EXCEPTION TO BROKER CLARIFICATION BUILDER DRAFT — HUMAN REVIEW REQUIRED Commercial & Specialty P&C Underwriting · Submission clarification preparation ## CLARIFICATION GROUP 1 — Property Values by Scheduled Location ### CLARIFICATION NEED 1 — Building and Business Personal Property Values EXCEPTION REFERENCE - EX-001 — Missing property values - EX-002 — Missing location values SOURCE EVIDENCE - Commercial Property Application — Synthetic, Section 5, Property Values: no values entered for Building, Business Personal Property, or Business Income. - Statement of Values — Synthetic, Locations 1–3: Building Value and Business Personal Property Value fields are blank. ISSUE The validated exceptions identify missing current Building and Business Personal Property values for the three scheduled locations. The application contains no values for these categories, and the Statement of Values has blank Building Value and Business Personal Property Value fields for Locations 1–3. CLARIFICATION NEEDED Obtain the current Building Value and Business Personal Property Value for each of the three scheduled locations. BROKER CLARIFICATION REQUEST Hello, For the three scheduled locations, could you please provide the current **Building Value** and **Business Personal Property Value** for each location? The corresponding fields are blank in the submitted Statement of Values, and no values are entered for these categories in Section 5 of the Commercial Property Application. Thank you. REVIEW FLAG HUMAN REVIEW REQUIRED — Draft clarification wording requires qualified human approval before broker communication. No specific exception/evidence mismatch is identified from the supplied inputs. SOURCE TRACEABILITY `Clarification Request 1 → EX-001, EX-002 → Commercial Property Application — Synthetic, Section 5, Property Values; Statement of Values — Synthetic, Locations 1–3` ### CLARIFICATION NEED 2 — Business Income Values EXCEPTION REFERENCE - EX-001 — Missing property values - EX-003 — Missing business income value SOURCE EVIDENCE - Commercial Property Application — Synthetic, Section 5, Property Values: no values entered for Building, Business Personal Property, or Business Income. - Property Supplemental Worksheet — Synthetic, Business Income section: coverage is referenced, but no submitted value is provided. ISSUE The validated exceptions identify missing Business Income values for the three scheduled locations. The application contains no Business Income value, and the supplemental worksheet references Business Income coverage without providing a corresponding value. CLARIFICATION NEEDED Obtain the current Business Income value or values applicable to the three scheduled locations, consistent with the submitted coverage information. BROKER CLARIFICATION REQUEST Hello, The submitted documents reference Business Income coverage but do not include a corresponding Business Income value. Could you please provide the current Business Income value or values applicable to the three scheduled locations? Thank you. REVIEW FLAG HUMAN REVIEW REQUIRED — Draft clarification wording requires qualified human approval before broker communication. The supplied evidence supports the identified information gap; the specific reporting basis for Business Income values is not established in the supplied materials. SOURCE TRACEABILITY `Clarification Request 2 → EX-001, EX-003 → Commercial Property Application — Synthetic, Section 5, Property Values; Property Supplemental Worksheet — Synthetic, Business Income section` ## Output Validation | Validation check | Result | Basis | | ---------------------------------------- | ------ | ---------------------------------------------------------------------------------------------------------------------- | | All validated exceptions preserved | PASS | EX-001, EX-002, and EX-003 are retained in the traceability mappings. | | Duplicate information needs consolidated | PASS | EX-001 is linked to both requests without repeating the same Building/BPP request or the same Business Income request. | | Distinct information needs separated | PASS | Building/BPP values and Business Income values remain separate clarification units. | | Source evidence traceable | PASS | Each request identifies its supporting documents and supplied sections or locations. | | Missing information invented | PASS | No values or unsupported facts have been supplied. | | Exception status overridden | PASS | No exception has been marked resolved, withdrawn, or invalid. | | Unsupported conflict reconciled | PASS | No source conflict is resolved or implied. | | Underwriting decision introduced | PASS | The output requests information only and makes no underwriting determination. | | Human review retained | PASS | Both requests remain drafts requiring approval before broker communication. | Final output status: `DRAFT — HUMAN REVIEW REQUIRED BEFORE BROKER COMMUNICATION` Result: Three validated exceptions have been preserved and mapped to two distinct clarification requests. EX-001 is linked to both requests because it covers multiple missing property-value categories; EX-002 and EX-003 provide the more specific supporting exception references for each category.