{
      "tool_id": "art-256-validate-openids-homeowners-record",
      "tool_version": "1.0.0",
      "display_name": "openIDS Homeowners Record Validator",
      "mcp_name": "validate_openids_homeowners_record",
      "mandate_type": "compliance_mandate",
      "wave": 43,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-256-validate-openids-homeowners-record.html",
      "description": "Validates homeowners insurance data records against the openIDS Homeowners Data Standard v1.0 (AAIS / Linux Foundation, November 2025) -- the first free open (Apache-2.0) insurance data standard. Checks required sections (policy, insured_location, coverage, premium), required fields per section, policy type (HO-1..HO-8, DP-1..DP-3), date ordering, payment plan, construction type, coverage limit positivity, and PII field detection. NOT an ACORD validator -- ACORD XML/AL3 is membership-licensed and is not referenced or reproduced here. ZERO PII: structural/field validation only.",
      "input_schema_ref": "chaingraph/art-256-validate-openids-homeowners-record.html#manifest",
      "consumes": [],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:1b6e89be4bc17a5622e6bd5153cc9520c91514b8c0ddd89759d30ffae9bd3c5e","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-05"}],
      "export_capability": [
        "json"
      ],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "GgD2vXK0y/O4rI2hjGF998vK6Wrq/ZUhPz9GPbfl0ecfVUAIwOwurB3HpmfvDrBNS9H0jBBTyf6lg67+NW+cgwYDSAKw6Qazg9d3L0DjNzs6l/IgjmG/UTE3a6ExA2FtAI3pgEN2JRzofF5f+1/NOXaOiw1EXmlq4LONK2OxX2oVsKogsVP9liFitXOXolYSSEyRkJioF2rZlRBQztawbi7wtoSepTWxaoI7Ygb4d+ZIkFBTxXF+1kKRP9ovo5/VHsbSV/ppcfQMcMpZ/mrwv2a0kJHIcgkWYiDuEi+MMrwpKOLZC2JcXM0a1UBFFDDes6/O4UY4U3Kc3F6UyiSogQ==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:1b6e89be4bc17a5622e6bd5153cc9520c91514b8c0ddd89759d30ffae9bd3c5e",
          "output": {
            "error_count": 0,
            "errors": [],
            "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.",
            "pii_fields_found": [],
            "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.",
            "record_valid": true,
            "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.",
            "section_results": {
              "coverage": {
                "field_errors": [],
                "present": true
              },
              "insured_location": {
                "field_errors": [],
                "present": true
              },
              "policy": {
                "field_errors": [],
                "present": true
              },
              "premium": {
                "field_errors": [],
                "present": true
              }
            },
            "sections_present": 4,
            "sections_required": 4,
            "standard_version": "openIDS-Homeowners-v1.0",
            "table_source": "openIDS Homeowners Data Standard v1.0, AAIS / Linux Foundation, November 2025. Available at openids.org. Apache-2.0 licensed.",
            "warning_count": 0,
            "warnings": []
          }
        }
      },
      "compute_proof_ready": "ready"
    }