Overview

Homeowners Insurance Webhook

This webhook delivers homeowners insurance policy data when new declaration page is uploaded. It includes policy details, property characteristics, coverages, discounts, mortgagee information, billing, and insurer contacts.

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🔑 Key Sections in the Payload

Document Link

Includes a secure link to the client-uploaded document. The link expires within one hour in accordance with security requirements.

Policy Information

• Provider and policy number

• Policy type, term, and effective dates

• Premium and billing details

• Change history

Property

• Property type (single-family, condo, etc.)

• Address and construction details

• Roof type, year built, square footage, occupancy

Coverages

• Dwelling, personal property, other structures

• Loss of use, medical payments, liability

• Additional coverages (e.g., water backup, replacement cost protection)

Discounts

• Multi-policy, loss free, good payer, protective devices

Mortgagee

• Mortgage company information (name, address, loan number)

Exclusions & Deductibles

• Excluded risks (e.g., flood, earthquake)

• Deductibles for all perils and special cases

Endorsements

• Special provisions and additional policy benefits

Policyholder

• Name and contact details

• Address

Insurer Information

• Company name and contact numbers

• Claims and service phone numbers

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📦 Example Payload

{
  "topic": "client-submission",
  "document_link": "https://s3.us-east-2.amazonaws.com/xxxx",
  "data": {
    "policy": {
      "provider": "Travelers Personal Insurance Company",
      "policy_number": "612196357 633 1",
      "policy_type": "Homeowners",
      "policy_term": "12 months",
      "coverage_period": {
        "start_date": "2022-07-22",
        "end_date": "2023-07-22"
      },
      "annual_policy_premium": 1363,
      "coverage_level": "Travelers Protect Plus®"
    },
    "property": {
      "type": "Single Family",
      "location": {
        "street": "2429 ROBIN HOOD PL NE",
        "city": "MARIETTA",
        "state": "GA",
        "zip": "30068-2240"
      },
      "year_built": 1963,
      "square_footage": 1504,
      "roof_type": "Metal"
    },
    "coverages": {
      "dwelling": {
        "limit": 333000,
        "deductible": 1000
      },
      "personal_property": {
        "limit": 150000,
        "deductible": 1000
      },
      "personal_liability": {
        "limit": 500000
      }
    },
    "discounts": [
      {
        "type": "Multi-Policy"
      },
      {
        "type": "Loss Free"
      }
    ],
    "mortgagee": {
      "name": "NATIONSTAR MORTGAGE LLC ISAOA/ATIMA",
      "loan_number": "6870081281"
    },
    "policyholder": {
      "name": "CECILY SAPP",
      "email": "[email protected]",
      "address": {
        "street": "2429 ROBIN HOOD PL NE",
        "city": "MARIETTA",
        "state": "GA",
        "zip": "30068-2240"
      }
    },
    "insurer_information": {
      "company_name": "Travelers Personal Insurance Company",
      "claims_phone": "1.800.252.4633",
      "service_phone": "1.800.842.5075"
    }
  }
}