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June 5, 2026 — Backend ​

Release date: Friday, June 5, 2026

Summary ​

This week tightened EML (Estimated Maximum Loss) calculations across cumulus and coverage issuance: amounts now derive from premium basis (insured sum / TSI), not valuation basis. Cumulus detail responses include a new insurance summary with per-coverage-type insured sums and EML, including manual EML totals. Seed data was cleaned up—demo buildings removed from the main pipeline, the insurance reference year seeded as ACTIVE, and the BUILDING base tariff rate corrected.

Shipped ​

  • Cumulus insurance summary: GET /api/v1/cumulus/:id returns aggregated insured sums and EML per coverage type, plus totalEstimatedMaxLossManual derived from manual EML percentages.
  • EML premium basis: Cumulus EML calculator and coverage-line issue use premiumBasis × EML %; estimatedMaxLoss auto-fills at issue when only a percent is provided.
  • Schema and DTO alignment: Prisma field comments and insurance/risk-profile DTOs document premium-basis semantics; docs/INSURANCE_BOUNDARIES_AND_CODES.md updated.
  • Seeding: Removed propertiesAndBuildings demo seeder from the main seed pipeline; insurance reference-year rows created as ACTIVE (not PROJECTED); BUILDING BASE_RATE corrected from 0.33 to 0.033.

Engineering (commit recap) ​

Backend — week of May 29 – June 4, 2026 ​

Window: 2026-05-29 < commit date < 2026-06-06 (git log --no-merges).

Summary ​

Four non-merge commits landed, focused on cumulus EML correctness and API surface. A dedicated cumulus-eml.calculator module now centralizes EML math from premium basis; cumulus detail exposes an insurance summary DTO. Coverage-line issue auto-derives estimatedMaxLoss when callers send only an EML percent. Seed pipeline changes remove demo building data and fix a tenfold BUILDING base-rate error.

Themes ​

  • EML from premium basis: cumulus-eml.calculator computes EML as premiumBasis × EML % instead of valuation basis; coverage-line service applies the same rule on issue and auto-fills estimatedMaxLoss when only percent is supplied; Prisma schema comments and risk/insurance profile DTOs aligned.
  • Cumulus insurance summary API: New BuildingCumulusInsuranceSummaryDto on cumulus detail response; CumulusEmlService aggregates per-coverage-type insured sums and EML; manual EML percent drives totalEstimatedMaxLossManual; OpenAPI export updated.
  • Seed pipeline cleanup: propertiesAndBuildings demo seeder removed (including its spec); insuranceReferenceYear utility seeds ACTIVE year; BUILDING insurance BASE_RATE fixed from 0.33 to 0.033 to match inventory and machinery tariffs.

Notable fixes or risks (if any) ​

  • EML basis change: Clients and integrations that assumed EML was tied to valuation basis must use premium basis (insured sum / TSI); issued coverage lines now auto-derive absolute EML from percent at issue.
  • Seed behavior: Fresh prisma db seed no longer creates demo properties/buildings; local dev environments that relied on that seeder need alternate test data.