{
  "tool_id": "art-256-validate-openids-homeowners-record",
  "note": "openIDS Homeowners v1.0 record validation. NOT ACORD. Vector 1: valid minimal HO-3 record. Vector 2: missing required field (expiration_date) triggers error.",
  "vectors": [
    {
      "name": "valid_ho3_record",
      "description": "Valid HO-3 homeowners policy record per openIDS Homeowners v1.0 (AAIS/Linux Foundation Nov 2025). All required sections and fields present. policy_type=HO-3, construction_type=frame, payment_plan=annual. record_valid=true.",
      "policy_parameters": {
        "record": {
          "policy": {
            "policy_number": "HOW-2025-001",
            "effective_date": "2025-01-01",
            "expiration_date": "2026-01-01",
            "policy_type": "HO-3"
          },
          "insured_location": {
            "street_address": "123 Main St",
            "city": "Austin",
            "state": "TX",
            "zip_code": "78701",
            "construction_type": "frame"
          },
          "coverage": {
            "dwelling_limit": 350000,
            "other_structures_limit": 35000,
            "personal_property_limit": 175000,
            "liability_limit": 300000
          },
          "premium": {
            "annual_premium": 1850,
            "payment_plan": "annual"
          }
        }
      },
      "output_payload": {
        "record_valid": true,
        "standard_version": "openIDS-Homeowners-v1.0",
        "sections_present": 4,
        "sections_required": 4,
        "section_results": {
          "policy": {
            "present": true,
            "field_errors": []
          },
          "insured_location": {
            "present": true,
            "field_errors": []
          },
          "coverage": {
            "present": true,
            "field_errors": []
          },
          "premium": {
            "present": true,
            "field_errors": []
          }
        },
        "errors": [],
        "warnings": [],
        "pii_fields_found": [],
        "error_count": 0,
        "warning_count": 0,
        "table_source": "openIDS Homeowners Data Standard v1.0, AAIS / Linux Foundation, November 2025. Available at openids.org. Apache-2.0 licensed.",
        "regulatory_basis": "openIDS Homeowners Data Standard v1.0 (AAIS / Linux Foundation, November 2025). First open (Apache-2.0) homeowners insurance data standard. NOT an ACORD validator -- ACORD XML/AL3 is membership-licensed and not reproduced here.",
        "pii_note": "ZERO PII: structural/field validation only. Record content is inspected for field presence and type; personal data is flagged as a warning, not stored or logged.",
        "not_legal_advice": "Not legal or insurance regulatory advice. Insurance record format compliance must be verified by licensed insurance professionals and applicable state DOI requirements."
      },
      "golden_hash": "dfef81b0ac9378c9bdd77098f7ed9ce1f732e82e50a323025ee694cdd9c768ba"
    },
    {
      "name": "missing_expiration_date_error",
      "description": "HO-3 record missing required policy.expiration_date field. record_valid=false. error_count=1. Verifies required-field validation path for openIDS v1.0.",
      "policy_parameters": {
        "record": {
          "policy": {
            "policy_number": "HOW-2025-002",
            "effective_date": "2025-01-01",
            "policy_type": "HO-3"
          },
          "insured_location": {
            "street_address": "456 Oak Ave",
            "city": "Dallas",
            "state": "TX",
            "zip_code": "75201",
            "construction_type": "frame"
          },
          "coverage": {
            "dwelling_limit": 400000,
            "other_structures_limit": 40000,
            "personal_property_limit": 200000,
            "liability_limit": 300000
          },
          "premium": {
            "annual_premium": 2100,
            "payment_plan": "monthly"
          }
        }
      },
      "output_payload": {
        "record_valid": false,
        "standard_version": "openIDS-Homeowners-v1.0",
        "sections_present": 4,
        "sections_required": 4,
        "section_results": {
          "policy": {
            "present": true,
            "field_errors": [
              "expiration_date"
            ]
          },
          "insured_location": {
            "present": true,
            "field_errors": []
          },
          "coverage": {
            "present": true,
            "field_errors": []
          },
          "premium": {
            "present": true,
            "field_errors": []
          }
        },
        "errors": [
          "policy.expiration_date is required"
        ],
        "warnings": [],
        "pii_fields_found": [],
        "error_count": 1,
        "warning_count": 0,
        "table_source": "openIDS Homeowners Data Standard v1.0, AAIS / Linux Foundation, November 2025. Available at openids.org. Apache-2.0 licensed.",
        "regulatory_basis": "openIDS Homeowners Data Standard v1.0 (AAIS / Linux Foundation, November 2025). First open (Apache-2.0) homeowners insurance data standard. NOT an ACORD validator -- ACORD XML/AL3 is membership-licensed and not reproduced here.",
        "pii_note": "ZERO PII: structural/field validation only. Record content is inspected for field presence and type; personal data is flagged as a warning, not stored or logged.",
        "not_legal_advice": "Not legal or insurance regulatory advice. Insurance record format compliance must be verified by licensed insurance professionals and applicable state DOI requirements."
      },
      "golden_hash": "91b118479271c8408b9e423744a2cc39cc075f4f0d9eb6846cfd2b6e1916ce65"
    }
  ]
}