acord_writer.rb

require 'active_support/builder' unless defined?(Builder)

class AcordWriter

  def initialize(policy)
    @xml_string = ""
    builder = ::Builder::XmlMarkup.new(target:@xml_string, indent:4)
    build_acord(builder, policy) 
  end

  def to_xml
    @xml_string
  end

  def build_acord(xml, policy)
    ns = {
      "xsi:noNamespaceSchemaLocation" => "acord-pcs-v1_20_0-nodoc-codes.xsd",
      "xmlns:xsi" => "http://www.w3.org/2001/XMLSchema-instance"
    }
    xml.instruct!
    xml.instruct!("ACORD", "ACORD" => "1.20.0")
    xml.ACORD(ns){
      build_sign_on_request(xml, policy)
      build_service_request(xml, policy)
      build_vpi_extension(xml, policy)
    }
  end

  def build_sign_on_request(xml, policy)
    xml.comment! "Sign On Request"
    xml.SignonRq{
      xml.SignonPswd{
        xml.CustId{
          xml.SPName      "policyissuance.vertafore.com"
          xml.CustLoginId "kevin_pga"
        }
        xml.CustPswd{
          xml.EncryptionTypeCd "NONE"
          xml.Pswd             "138feeb3eed9f0eaa792156e217cad1b"
        }
      }
      xml.ClientDt     dt(Date.today)
      xml.CustLangPref "en-US"
      xml.ClientApp{
        xml.Org     "Vertafore" 
        xml.Name    "PolicyBuilder" 
        xml.Version "0.1" 
      }
    }
  end

  def build_service_request(xml, policy)
    xml.comment! "Service Request"
    xml.InsuranceSvcRq{
      xml.RqUID String.uuid # always a new random value, app doesn't track requests.
      xml.tag!(policy.service_request){
        xml.RqUID String.uuid # always a new random value, app doesn't track requests.
        xml.ItemIdInfo{
          xml.SystemId             policy.guid
          xml.comment! "OtherIdentifier is Policy Builder's primary key for this policy"
          xml.OtherIdentifier      policy.id
        } 
        xml.TransactionRequestDt   dt(Date.today)
        xml.CurCd                  "USD"
        xml.BroadLOBCd             "C" # Commercial lines
        xml.ACORDStandardVersionCd "1120"
        build_producers(xml, policy)
        build_insured_or_principal(xml, policy)
        build_pc_policy(xml, policy)
        build_locations(xml, policy)
        build_lob(xml, policy)
        build_comml_sublocations(xml, policy)
        build_remarks(xml, policy)
      }
    }
  end

  def build_producers(xml, policy)
    xml.comment! "General Agent"
    xml.Producer {
      xml.ItemIdInfo {
        #xml.AgencyId '' # Comes from AIM. Do I need this?
        xml.InsurerId policy.carrier_ga_code
        xml.SystemId policy.general_agent_id if policy.general_agent
      }
      build_general_party(xml, policy.general_agent) if policy.general_agent
      xml.ProducerInfo {
        # xml.ContractNumber '' # What does this do?
        # xml.PlacingOffice '' # Name for the GA?
        xml.ProducerRoleCd 'Intermediary'
        # xml.FieldOfficeCd '' # Similar to PlacingOffice? 
        xml.License { xml.LicensePermitNumber policy.surplus_lines_license }
      }
    }
    xml.comment! "Retail Agent"
    if agent = policy.retail_agent
      xml.Producer {
        xml.ItemIdInfo {
          #xml.AgencyId '' # Comes from AIM. Do I need this?
          xml.InsurerId agent.agent_code
          xml.SystemId agent.id
        }
        build_general_party(xml, agent)
        xml.ProducerInfo {
          xml.ProducerRoleCd 'Agency'
        }
      }
    end
  end

  def build_insured_or_principal(xml, policy)
    xml.comment! "Insured"
    if insured = policy.insured
      xml.InsuredOrPrincipal{
        xml.ItemIdInfo {
          xml.SystemId insured.id
        }
        build_general_party(xml, insured)
        xml.InsuredOrPrincipalInfo {
          xml.InsuredOrPrincipalRoleCd 'Insured'
          xml.BusinessInfo {
            xml.SICCd insured.sic_code
            # xml.OperationsDesc '' # Old tag??? Does that mean don't use it?
          }
        }
      }
    end
  end

  def build_pc_policy(xml, policy)
    xml.comment! "PcPolicy"
    xml.tag!("CommlPolicy"){
      xml.PolicyNumber      policy.number
      xml.CompanyProductCd  policy.program_code
      xml.LOBCd             policy.lob_code
      xml.NAICCd            policy.carrier_naic
      xml.ContractTerm{
        xml.EffectiveDt     dt policy.effective_at 
        xml.ExpirationDt    dt policy.expires_at
      }
      xml.CurrentTermAmt{ xml.Amt policy.premium }
      if policy.renewal_of_number.present?
        xml.OtherOrPriorPolicy {
          xml.PolicyCd     "Prior"
          xml.PolicyNumber policy.renewal_of_number
          xml.LOBCd        policy.lob_code 
        }
      end

      build_additional_interests(xml, policy.additional_interests.where(:building_id => nil))
      xml.MinPremInd policy.minimum_premium.blank? ? 0 : 1
      xml.MinPremAmt{ xml.Amt policy.minimum_premium } unless policy.minimum_premium.blank?
      xml.CommlPolicySupplement{
        xml.AuditInd policy.audit_code.blank? ? 0 : 1
        xml.AuditFrequencyCd{ xml.Amt policy.audit_code } unless policy.audit_code.blank?
        build_taxes_fees(xml, policy)
      }
      xml.CommlCoverage{
        xml.CoverageCd policy.terrorism_code
        xml.CurrentTermAmt{ xml.Amt policy.terrorism_premium } if policy.terrorism_premium.present?
      }
    }
  end

  def build_additional_interests(xml, interests)
    xml.comment! "Additional Interests"
    interests.each do |interest|
      xml.AdditionalInterest {
        xml.ItemIdInfo {
          xml.SystemId interest.id
        }
        build_general_party(xml, interest)
        xml.AdditionalInterestInfo {
          xml.NatureInterestCd interest.role
        }
      }
    end
  end

  def build_taxes_fees(xml, policy)
    xml.comment! "Taxes / Fees"
    policy.tax_fees.each do |fee|
      xml.CreditOrSurcharge{
        xml.CreditSurchargeCd fee.code
        xml.CreditSurchargeAmtDesc fee.code_name
        xml.NumericValue { xml.FormatCurrencyAmt{ xml.Amt fee.amount } }
        xml.SecondaryCd fee.type_code if fee.type_code.present?
      }
    end
  end

  def build_locations(xml, policy)
    xml.comment! "Locations"
    policy.locations.each do |location|
      xml.Location(id: location.acord_id){
        xml.ItemIdInfo{ 
          xml.AgencyId location.number
          xml.SystemId location.id
        }
        build_address(xml, location.address)
        location.buildings.each do |building|
          xml.SubLocation(id: building.acord_id){
            xml.ItemIdInfo{ 
              xml.AgencyId        building.number
              xml.SystemId  building.id
            }
            build_address(xml, location.address)
            xml.SubLocationName building.name
            build_additional_interests(xml, building.additional_interests)
          }
        end
        xml.LocationName location.name
        xml.LocationDesc location.description
      }
    end
  end

  def build_lob(xml, policy)
    policy.gl?             and build_gl(xml, policy)
    policy.property?       and build_property(xml, policy)
    policy.crime?          and build_crime(xml, policy)
    policy.inland_marine?  and build_inland_marine(xml, policy)
  end

  def build_gl(xml, policy)
    xml.comment! "General Liability"
    line = policy.lines_of_business.gl
    xml.GeneralLiabilityLineBusiness{
      xml.LOBCd line.lob_code
      xml.NAICCd policy.carrier_naic
      build_term xml, line.premium
      xml.LiabilityInfo{
        xml.CommlCoverage{
          xml.CoverageCd 'GL'
          xml.CoverageDesc 'Commercial General Liability'
          xml.comment! "Deductible"
          xml.Deductible { # TODO: Add GL Deductible
            build_amt xml, policy.gl_deductible.try(:amount)
            xml.DeductibleTypeCd policy.gl_deductible.try(:type_code)
            xml.DeductibleAppliesToCd policy.gl_deductible.try(:applies_to_code)
          }
        }
        xml.comment! "Limits"
        policy.gl_limits.each do |limit|
          xml.CommlCoverage{
            xml.CoverageCd    limit.code
            xml.CoverageDesc  limit.code_name
            xml.Limit {       build_amt xml, limit.amount }
          }
        end
        xml.comment! "Classifications"
        policy.gl_classifications.each do |cls|
          xml.GeneralLiabilityClassification(building_ref(cls.building)){
            xml.ItemIdInfo {
              xml.SystemId cls.id
            }
            xml.CommlCoverage{
              xml.CoverageCd  "PREM"
              build_term      xml, cls.premises_premium
              xml.Rate        cls.premises_rate
              xml.MinPremAmt  cls.premises_minimum_premium
            }
            xml.CommlCoverage{
              xml.CoverageCd  "PRDCO"
              build_term       xml, cls.product_premium
              xml.Rate        cls.product_rate
              xml.MinPremAmt  cls.product_minimum_premium
            }
            xml.ClassCd         cls.code
            xml.ClassCdDesc     cls.description
            xml.Exposure        cls.exposure
            xml.PremiumBasisCd  cls.basis
          }
        end
      }
    }
  end

  def build_crime(xml, policy)
    xml.comment! "Crime"
    line = policy.lines_of_business.crime
    xml.CrimeLineBusiness {
      xml.LOBCd  line.lob_code
      xml.NAICCd policy.carrier_naic
      build_term xml, line.premium
      policy.crime_coverages.each do |c|
        loc = building_ref(c.building)
        xml.CrimeCoverageInfo(loc){
          xml.CrimePlanCd "PLAN1"
          c.details_by_form_code.each do |form, details|
            xml.CrimeCoverageDetails{
              xml.CrimeCoverageFormCd form
              details.each do |detail|
                xml.CommlCoverage{
                  xml.CoverageCd detail.code
                  xml.CoverageDesc detail.description
                  xml.Limit{ 
                    build_amt xml, detail.limit 
                    xml.LimitAppliesToCd detail.applies_to_code
                  }
                  xml.Deductible{
                    build_amt xml, detail.deductible 
                  }
                  build_term xml, detail.premium
                }
              end
            }
          end
        }
      end
    }
  end

  def build_property(xml, policy)
    xml.comment! "Property"
    line = policy.lines_of_business.property
    xml.CommlPropertyLineBusiness {
      xml.LOBCd line.lob_code
      xml.NAICCd policy.carrier_naic
      build_term xml, line.premium
      xml.PropertyInfo {
        policy.locations.map(&:buildings).flatten.each do |building|
          detail = building.building_detail
          coverages = building.property_coverages
          next unless detail || !coverages.empty?
          xml.CommlPropertyInfo(building_ref(building)){
            if detail
              xml.ItemValueAmt{ xml.Amt detail.value } 
              xml.ClassCd detail.class_code
            end
            coverages.each do |coverage|
              xml.CommlCoverage{
                xml.CoverageCd coverage.code
                xml.CoverageDesc coverage.code_description
                xml.Limit { 
                  build_amt xml, coverage.limit 
                  xml.ValuationCd coverage.valuation_code
                }
                xml.Deductible{
                  build_amt xml, coverage.deductible
                }
                xml.Deductible{
                  xml.DeductibleAppliesToCd 'EGK'
                  build_amt xml, coverage.earthquake_deductible
                }
                xml.Option {
                  xml.OptionCd coverage.indemnity_limit_code
                }
                build_term xml, coverage.premium
                xml.Rate coverage.rate
                xml.CommlCoverageSupplement{
                  xml.CoverageSubCd coverage.covered_cause_of_loss_code
                  xml.CoinsurancePct coverage.coinsurance_percent
                }
              }
            end
          }
        end
      }
    }
  end

  def build_comml_sublocations(xml, policy)
    return unless policy.property?
    policy.building_details.each do |detail|
      xml.CommlSubLocation(building_ref(detail.building)){
        xml.InterestCd detail.interest_code
        xml.Construction{
          xml.ConstructionCd detail.construction_code
          xml.SidingCd detail.siding_code
          xml.YearBuilt detail.year_built
          xml.BldgArea {
            xml.NumUnits detail.square_footage
            xml.UnitMeasurementCd "SQFT"
          }
          xml.NumStories detail.number_of_stories
          xml.NumUnits detail.number_of_units
          xml.RoofingMaterial{
            xml.RoofMaterialCd detail.roofing_code
          }
          xml.GlassTypeCd detail.glass_type_code
        }
        xml.BldgProtection{
          xml.ProtectionClassGradeCd detail.protection_grade_code
          xml.SprinkleredPct detail.sprinklered_percent
        }
        xml.BldgOccupancy{
          xml.VacantUnoccupiedCd 'VAC' if detail.occupancy_code == 'VAC'
          xml.OccupiedPct detail.percent_occupied
          xml.NatureBusinessCd detail.occupancy_code unless detail.occupancy_code == 'VAC'
        }
        xml.WindClassCd detail.wind_code
        xml.SeacoastOrOtherBodyWaterProximityCd detail.water_proximity_code
      }
    end
  end

  def build_vpi_extension(xml, policy)
    xml.comment! "Vertafore Extensions"
    xml.VertaforeExtensions {
      xml.VPI{
        xml.Version '0001'
        xml.SLANumber policy.sla_number if policy.sla_number.present?
        xml.Custom ''
        xml.Contracts ''
        xml.ExternalServices{
          xml.PromptingCancelUrl "http://localhost:3000/builder/#{policy.id}/summary?aborted=true"
          xml.PromptingFinishUrl "http://localhost:3000/builder/#{policy.id}/finished"
        }
      }
    }
  end

  def build_remarks(xml, policy)
    #xml.Remark("This location doesn't exist.", "IdRef" => "a6de2b90-8a6a-11e1-b0c4-0800200c9a66")
  end

  def build_address(xml, address)
    return unless address
    xml.Addr{      
      xml.AddrTypeCd  Address::TYPES[address.address_type]
      xml.Addr1       address.address1
      xml.Addr2       address.address2 if address.address2.present?
      xml.City        address.city
      xml.StateProvCd address.state
      xml.PostalCode  address.zipcode
      xml.ItemIdInfo {
        xml.SystemId address.id
      }
    }
  end

  def build_phones(xml, object)
    return unless object && [:fax, :phone, :email].any?{|s| object.send(s).present? }
    xml.Communications {
      if object.phone.present?
        xml.PhoneInfo{
          xml.PhoneTypeCd "Phone"
          xml.PhoneNumber object.phone
        } 
      end
      if object.fax.present?
        xml.PhoneInfo{
          xml.PhoneTypeCd "Fax"
          xml.PhoneNumber object.fax
        } 
      end
      if object.email.present?
        xml.EmailInfo {
          xml.EmailAddr object.email
        }
      end
    }
  end

  def build_general_party(xml, object)
    return unless object
    xml.GeneralPartyInfo {
      if object.name
        xml.NameInfo {
          xml.CommlName {
            xml.CommercialName object.name
          }        
          if object.respond_to?(:dba_name) && object.dba_name.present?
            xml.SupplementaryNameInfo {
              xml.SupplementaryNameCd 'DBA'
              xml.SupplementaryName   object.dba_name
            }
          end
          xml.LegalEntityCd object.form_of_business if object.is_a? Insured
        }        
      end
      object.addresses.each do |address|
        build_address(xml, address)
      end
      build_phones(xml, object)
    }
  end

  def build_term(xml, amt)
    xml.CurrentTermAmt { xml.Amt amt }
  end
  def build_amt(xml, amt)
    xml.FormatCurrencyAmt { xml.Amt amt }
  end

  protected
  def building_ref(building)
    if building 
      {:LocationRef => building.location.acord_id, :SubLocationRef => building.acord_id}
    else
      {}
    end
  end

  # don't want outside classes directly accessing the builder object.
  def builder
    @builder
  end

  # DateTime converter 
  def dt(date)
    AcordConvert.acord_date date
  end
end