feat(polizas): OCR capture for insurance policy PDFs

Mirrors the utility statement intake on the insurance side: a policy_ocr
batch/document pair of tables, a GMX parser, a matcher keyed on
Policy.policyNumber, and a "Captura" screen under /polizas that proposes
policy -> customer for staff to confirm.

Lifts the OCR seam out of StatementsModule into its own OcrModule so
PolicyOcrModule can inject OCR_PROVIDER without taking on the rest of
the statement pipeline; StatementsModule now imports it and binds
nothing itself.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

apps/api/src/policy-ocr/parsers/policy-parser.spec.ts

@@ -0,0 +1,147 @@
+import type { OcrPage } from "../../statements/ocr/ocr.provider";
+import {
+  detectPolicyProvider,
+  parsePolicy,
+  type ParsedCoverage,
+} from "./policy-parser";
+
+/**
+ * Verbatim excerpts of what the GMX portal's translation PDF actually
+ * rendered through pdftotext — same convention as the statement parser
+ * tests, where invented-clean input would test nothing because clean input
+ * is not the failure mode.
+ */
+function page(text: string): OcrPage {
+  return { text, words: [], confidence: 0.95 };
+}
+
+describe("detectPolicyProvider", () => {
+  it("claims GMX from the brand wordmark on the letterhead", () => {
+    expect(
+      detectPolicyProvider(
+        "Grupo Mexicano de Seguros, S.A. de C.V.\nTecoyotitla 412, Edificio GMX",
+      ),
+    ).toBe("GMX");
+  });
+
+  it("claims GMX from the 'gmx.com.mx' footer URL", () => {
+    expect(detectPolicyProvider("JUNTOS EL RIESGO ES MENOR\nwww.gmx.com.mx")).toBe("GMX");
+  });
+});
+
+describe("parsePolicy / GMX", () => {
+  // Verbatim text extracted from ~/Downloads/HC_Folio_000767_Traduccion.pdf via
+  // `pdftotext -layout`. Two pages joined by "\n\n".
+  const GMX_FULL = page(
+    "Multiple Policy\nHome\n" +
+      "Policy 007-037-07005947-0000-02 in accordance with the enclosed clauses, to insurance:\n" +
+      "Insured JON ASHLEY STRABALA\n" +
+      "Additional insured VIVIAN\n" +
+      "Legal address BONAMPACK No. EXT26 No.INT 0 COL. Punta Bandera, Tijuana, Baja California, C.P. 22550\n" +
+      "ZIP 22550 Income Tax No. XEXX-010101-000\n" +
+      "Broker (1176) Jorge Humberto Cuadros\n" +
+      "Term 12 months\n" +
+      "From 19/07/2026\n" +
+      "To 19/07/2027 at twelve hours (noon) Mexico City time.\n" +
+      "Currency DOLARES Premium payment CONTADO\n" +
+      "Free translation from the Spanish Insurance contract. The English text is just copy given by courtesy. In case of a dispute, the Spanish will prevail over the English version.\n" +
+      "Agreed clauses:\n" +
+      "•The insured and GMX Hereby declared...\n" +
+      "From the above, the present contract shall not be considered under the condition mentioned within article 36-B from the Insurance Companies General Law. Therefore it shall not be required its registration before the Comision National de Seguros y Fianzas.\n" +
+      "July 23, 2026\n" +
+      "Authority sign.\n" +
+      "Grupo Mexicano de Seguros, S.A. de C.V.\n" +
+      "Tecoyotitla 412, Edificio GMX\n" +
+      "JUNTOS EL RIESGO ES MENOR\n" +
+      "www.gmx.com.mx\n\n" +
+      "Risk Insured Amount Deductible Loss Participation\n" +
+      "Building $350,000.00 Not applies Not applies\n" +
+      "Contents $60,000.00 Not applies Not applies\n" +
+      "ADDITIONAL RISK\n" +
+      "Risk Insured Amount Deductible Loss Participation\n" +
+      "Debris removal Building $35,000.00 Not applies Not applies\n" +
+      "Debris removal Contents $6,000.00 Not applies Not applies\n" +
+      "Outdoors Constructions $10,000.00 5% 10%\n" +
+      "Coverage Extention Covered Not applies Not applies\n" +
+      "All Risk Covered Not applies Not applies\n" +
+      "Earthquake and/or volcanic eruption Covered 2% of the sum insured for each damage structure 20%\n" +
+      "Extra Expenses $41,000.00 Not applies Not applies\n" +
+      "Robbery with violence $10,000.00 Not applies Not applies\n" +
+      "Jewerly $3,900.00 Not applies Not applies\n" +
+      "Electronic Equipment $10,000.00 Not applies Not applies\n" +
+      "Glasses $10,000.00 Not applies Not applies\n" +
+      "Tenant $200,000.00 Not applies Not applies\n" +
+      "Family $200,000.00 Not applies Not applies\n" +
+      "Family $200,000.00 Not applies Not applies\n" +
+      "Domestic workers $7,010.00 Not applies Not applies\n" +
+      "VALUES ADDED, HOME GMX",
+  );
+
+  it("extracts the policy number, insured name, broker, dates, and currency", () => {
+    const p = parsePolicy(GMX_FULL);
+    expect(p.provider).toBe("GMX");
+    expect(p.policyNumber).toBe("007-037-07005947-0000-02");
+    expect(p.insuredName).toBe("JON ASHLEY STRABALA");
+    expect(p.additionalInsured).toBe("VIVIAN");
+    expect(p.agentName).toBe("Jorge Humberto Cuadros");
+    expect(p.policyFrom?.toISOString().slice(0, 10)).toBe("2026-07-19");
+    expect(p.policyTo?.toISOString().slice(0, 10)).toBe("2027-07-19");
+    expect(p.policyDate?.toISOString().slice(0, 10)).toBe("2026-07-23");
+    expect(p.currency).toBe("USD");
+    expect(p.zip).toBe("22550");
+    expect(p.legalAddress).toContain("BONAMPACK");
+    expect(p.premiumPayment).toBe("CONTADO");
+  });
+
+  it("extracts every coverage row off the second page table", () => {
+    const p = parsePolicy(GMX_FULL);
+    const byName = Object.fromEntries(p.coverages.map((c) => [c.risk, c]));
+    expect(byName.Building?.insuredAmount).toBe(350000);
+    expect(byName.Contents?.insuredAmount).toBe(60000);
+    expect(byName["Debris removal Building"]?.insuredAmount).toBe(35000);
+    expect(byName["Outdoors Constructions"]?.insuredAmount).toBe(10000);
+    expect(byName["Outdoors Constructions"]?.deductible).toBe("5%");
+    expect(byName["Outdoors Constructions"]?.lossParticipation).toBe("10%");
+    // Free-text coverage cells kept verbatim (the policy form surfaces them
+    // as observations, not as numbers).
+    expect(byName["Earthquake and/or volcanic eruption"]?.insuredAmount).toBeNull();
+    expect(byName["Earthquake and/or volcanic eruption"]?.deductible).toContain("2%");
+    expect(byName["Earthquake and/or volcanic eruption"]?.lossParticipation).toBe("20%");
+    expect(byName["All Risk"]?.insuredAmount).toBeNull();
+    expect(p.coverages.length).toBeGreaterThan(10);
+  });
+
+  it("leaves premium fields null on the certificate page and notes it", () => {
+    const p = parsePolicy(GMX_FULL);
+    expect(p.netPremium).toBeNull();
+    expect(p.total).toBeNull();
+    expect(p.policyFee).toBeNull();
+    expect(p.notes.join(" ")).toMatch(/prima/i);
+  });
+
+  it("still parses when the broker parens are missing", () => {
+    const p = parsePolicy(
+      page(
+        "Insured JON ASHLEY STRABALA\nBroker Jorge Humberto Cuadros\n" +
+          "From 19/07/2026\nTo 19/07/2027\nCurrency DOLARES\n" +
+          "Grupo Mexicano de Seguros",
+      ),
+    );
+    expect(p.agentName).toBe("Jorge Humberto Cuadros");
+  });
+
+  it("rejects a page that carries no GMX signal at all", () => {
+    const p = parsePolicy(page("Random unrelated document with no policy data."));
+    expect(p.provider).toBe("");
+    expect(p.notes.join(" ")).toContain("no se reconoció el proveedor");
+  });
+
+  it("captures the deductible / loss-participation columns verbatim as strings", () => {
+    const p = parsePolicy(GMX_FULL);
+    const eq = p.coverages.find((c) => c.risk === "Earthquake and/or volcanic eruption");
+    expect(eq).toBeDefined();
+    const eqTyped = eq as ParsedCoverage;
+    expect(eqTyped.deductible).toContain("sum insured");
+    expect(eqTyped.lossParticipation).toBe("20%");
+  });
+});

apps/api/src/policy-ocr/parsers/policy-parser.ts

@@ -0,0 +1,422 @@
+import type { OcrPage } from "../../statements/ocr/ocr.provider";
+
+/**
+ * What one parsed policy page yields. All fields are nullable because each
+ * provider prints a different subset (GMX's certificate has no premium
+ * breakdown, only insured amounts; GMX's receipt page would carry the
+ * premium), and the matcher + the review queue both work better with
+ * "field was read" vs "field was not" rather than guessing.
+ */
+export interface ParsedPolicy {
+  /** "GMX" today; the dispatcher lives on `detectProvider`. */
+  provider: string;
+  policyNumber: string | null;
+  insuredName: string | null;
+  additionalInsured: string | null;
+  /** The "Broker" line on GMX — mapped onto `Policy.agentName`. */
+  agentName: string | null;
+  legalAddress: string | null;
+  zip: string | null;
+  policyFrom: Date | null;
+  policyTo: Date | null;
+  /** Signature/issue date — `Policy.policyDate`. */
+  policyDate: Date | null;
+  /** "MXN" | "USD" | …, derived from the printed currency word. */
+  currency: string | null;
+  netPremium: number | null;
+  policyFee: number | null;
+  brokerFee: number | null;
+  total: number | null;
+  /** "CONTADO" / "MENSUAL" / … — premium-payment cadence text. */
+  premiumPayment: string | null;
+  /**
+   * GMX prints per-coverage rows in a table: Building / Contents /
+   * Earthquake / … with insured amount, deductible, loss participation.
+   * Preserved verbatim so a missing premium receipt still leaves the
+   * coverages auditable on the Policy row.
+   */
+  coverages: ParsedCoverage[];
+  /** Human-readable trail of what was read, surfaced in the review queue. */
+  notes: string[];
+}
+
+export interface ParsedCoverage {
+  /** "Building", "Contents", "Debris removal Building", "Earthquake…". */
+  risk: string;
+  insuredAmount: number | null;
+  deductible: string | null;
+  lossParticipation: string | null;
+}
+
+// --- shared helpers ---------------------------------------------------------
+
+const DIGIT_CONFUSIONS: Record<string, string> = {
+  O: "0", o: "0", D: "0", I: "1", l: "1", "|": "1", S: "5", B: "8",
+};
+
+/**
+ * Tesseract confuses these glyphs inside numeric runs with some regularity.
+ * Same map and same caveat as the statement parser: ONLY apply to fields
+ * known to be digits, never to free text.
+ */
+function toDigits(s: string | null | undefined): string {
+  if (!s) return "";
+  return s
+    .split("")
+    .map((c) => DIGIT_CONFUSIONS[c] ?? c)
+    .join("")
+    .replace(/\D/g, "");
+}
+
+/**
+ * Parse a printed amount, treating `,` and `.` by position rather than by
+ * assumption. Same algorithm as the statement parser — kept here so the
+ * policy module is self-contained, since importing from `../../statements`
+ * would couple two unrelated domains through a helper.
+ */
+function money(s: string | null | undefined): number | null {
+  if (!s) return null;
+  const cleaned = s.replace(/[\s$]/g, "");
+
+  let m = cleaned.match(/^(\d{1,3}(?:[.,]\d{3})+)([.,]\d{1,2})?$/);
+  if (m) {
+    const whole = m[1].replace(/[.,]/g, "");
+    const cents = m[2] ? m[2].slice(1) : "";
+    return Number(cents ? `${whole}.${cents.padEnd(2, "0")}` : whole);
+  }
+
+  m = cleaned.match(/^(\d+)[.,](\d{2})$/);
+  if (m) return Number(`${m[1]}.${m[2]}`);
+
+  const n = Number(cleaned.replace(/[,.]/g, ""));
+  return Number.isFinite(n) ? n : null;
+}
+
+function firstMatch(text: string, patterns: RegExp[]): string | null {
+  for (const p of patterns) {
+    const m = text.match(p);
+    if (m?.[1]) return m[1].trim();
+  }
+  return null;
+}
+
+const MONTHS: Record<string, number> = {
+  ENE: 0, FEB: 1, MAR: 2, ABR: 3, MAY: 4, JUN: 5,
+  JUL: 6, AGO: 7, SEP: 8, OCT: 9, NOV: 10, DIC: 11,
+};
+
+/**
+ * DD/MM/YYYY (GMX) and the dash-separated ISO variants. Two-digit years are
+ * windowed: < 50 → 20YY, ≥ 50 → 19YY, matching what a 1950-2049 window
+ * expects from a paper document.
+ */
+function parseDate(raw: string | null | undefined): Date | null {
+  if (!raw) return null;
+  const s = raw.trim();
+
+  let m = s.match(/^(\d{1,2})\/(\d{1,2})\/(\d{4})$/);
+  if (m) return utc(+m[3], +m[2] - 1, +m[1]);
+
+  m = s.match(/^(\d{1,2})[-\s/]([A-Z]{3})[-\s/](\d{2,4})$/i);
+  if (m && MONTHS[m[2].toUpperCase()] !== undefined) {
+    const yr = +m[3];
+    const y = m[3].length === 2 ? (yr < 50 ? 2000 + yr : 1900 + yr) : yr;
+    return utc(y, MONTHS[m[2].toUpperCase()], +m[1]);
+  }
+
+  m = s.match(/^(\d{4})[-/](\d{1,2})[-/](\d{1,2})$/);
+  if (m) return utc(+m[1], +m[2] - 1, +m[3]);
+
+  // "July 23, 2026" — the signature date on the GMX certificate.
+  m = s.match(/^([A-Za-z]+)\s+(\d{1,2}),\s*(\d{4})$/);
+  if (m) {
+    const MONTH_NAMES: Record<string, number> = {
+      january: 0, february: 1, march: 2, april: 3, may: 4, june: 5,
+      july: 6, august: 7, september: 8, october: 9, november: 10, december: 11,
+    };
+    const mo = MONTH_NAMES[m[1].toLowerCase()];
+    if (mo !== undefined) return utc(+m[3], mo, +m[2]);
+  }
+
+  return null;
+}
+
+function utc(y: number, mo: number, d: number): Date | null {
+  const dt = new Date(Date.UTC(y, mo, d));
+  return Number.isNaN(dt.getTime()) ? null : dt;
+}
+
+/** Map the printed currency word onto an ISO code. */
+function currencyCode(raw: string | null | undefined): string | null {
+  if (!raw) return null;
+  const s = raw.trim().toUpperCase();
+  if (s.startsWith("PESO") || s === "MXN" || s.includes("NACIONAL")) return "MXN";
+  if (s.startsWith("DOLAR") || s === "USD" || s.includes("DOLLAR")) return "USD";
+  if (s === "EUR" || s.includes("EURO")) return "EUR";
+  return null;
+}
+
+// --- provider detection -----------------------------------------------------
+
+/**
+ * Brand first, layout as a fallback. Same ordering rule as the statement
+ * parser: a brand wordmark is the cheapest, most reliable discriminator, and
+ * a layout rule that runs first can wrongly claim a page that happens to
+ * carry the same shape string (the statement parser's lesson with CFE vs
+ * GAS on "PERIODO FACTURADO").
+ */
+const BRAND: [string, RegExp][] = [
+  ["GMX", /\bGMX\b|Grupo\s*Mexicano\s*de\s*Seguros|gmx\.com\.mx|JUNTOS\s*EL\s*RIESGO\s*ES\s*MENOR/i],
+];
+
+const LAYOUT: [string, RegExp][] = [
+  ["GMX", /Multiple\s*Policy|IMPUESTO\s*PREDIAL[\s\S]{0,80}EN\s*FECHA|Material\s*damages\s*Section/i],
+];
+
+export function detectPolicyProvider(text: string): string | null {
+  for (const group of [BRAND, LAYOUT]) {
+    for (const [name, pattern] of group) {
+      if (pattern.test(text)) return name;
+    }
+  }
+  return null;
+}
+
+// --- parsers ----------------------------------------------------------------
+
+const PARSERS: Record<string, (page: OcrPage) => ParsedPolicy> = {
+  GMX: parseGmx,
+};
+
+const EMPTY_COVERAGE: ParsedCoverage = {
+  risk: "",
+  insuredAmount: null,
+  deductible: null,
+  lossParticipation: null,
+};
+
+export function parsePolicy(page: OcrPage): ParsedPolicy {
+  const provider = detectPolicyProvider(page.text);
+  if (!provider) {
+    return {
+      provider: "",
+      policyNumber: null,
+      insuredName: null,
+      additionalInsured: null,
+      agentName: null,
+      legalAddress: null,
+      zip: null,
+      policyFrom: null,
+      policyTo: null,
+      policyDate: null,
+      currency: null,
+      netPremium: null,
+      policyFee: null,
+      brokerFee: null,
+      total: null,
+      premiumPayment: null,
+      coverages: [],
+      notes: ["no se reconoció el proveedor"],
+    };
+  }
+  return PARSERS[provider](page);
+}
+
+// --- GMX --------------------------------------------------------------------
+
+/**
+ * GMX policy certificate layout (this is the translation PDF — the Spanish
+ * version is the canonical source, but every GMX portal download is a
+ * translation so the parser can rely on these English labels).
+ *
+ * Page 1 carries the contract header in a single boxed table:
+ *   Policy | Insured | Additional insured | Legal address | ZIP | Income Tax No.
+ *   Broker | Term | From | To | Currency | Premium payment
+ * followed by an "Agreed clauses" block, the signature date, and the GMX
+ * letterhead.
+ *
+ * Page 2 carries the per-coverage table (Risk / Insured Amount / Deductible /
+ * Loss Participation) under "Material damages Section" and "ADDITIONAL RISK".
+ *
+ * Premium / total / fees are NOT on the certificate page — they live on
+ * GMX's separate "recibo" PDF. The parser leaves them null and flags the
+ * gap in `notes`; the matcher still proposes a Policy update from the
+ * certificate alone, and the staff confirm step fills premium in by hand
+ * or after a follow-up receipt upload.
+ */
+function parseGmx(page: OcrPage): ParsedPolicy {
+  const text = page.text;
+  const notes: string[] = [];
+
+  // ----- header table (page 1) --------------------------------------------
+  // The Policy row repeats the number in a long run:
+  //   "Policy 007-037-07005947-0000-02 in accordance with the enclosed clauses…"
+  // so taking the first token-shaped number is correct; the trailing prose
+  // never looks like one. The dashes are part of the printed number — keep
+  // them (don't run toDigits, which would flatten them).
+  const policyNumber = firstMatch(text, [
+    /\bPolicy\s+([0-9OIlSBD]{3,4}[-\s][0-9OIlSBD]{3}[-\s][0-9OIlSBD]{8}[-\s][0-9OIlSBD]{4}[-\s][0-9OIlSBD]{2})/i,
+    /\bPolicy\s+([0-9OIlSBD][0-9OIlSBD\s-]{9,30})/,
+  ]);
+
+  // "Insured   JON ASHLEY STRABALA" — label, then 1+ whitespace, then the name.
+  // Names can carry accents (ÁVILA) or apostrophes (O'NEILL); the label is
+  // always upper-case English on this layout, so case is reliable.
+  const insuredName = labelValue(text, /^Insured\s+([A-ZÁÉÍÓÚÑ'][A-ZÁÉÍÓÚÑ '\-.]+)$/m);
+  const additionalInsured = labelValue(text, /^Additional\s+insured\s+([A-ZÁÉÍÓÚÑ '\-.]+)$/m);
+
+  // Legal address is a single long line; the parser keeps it whole.
+  const legalAddress = labelValue(text, /^Legal\s+address\s+(.+)$/m);
+  const zip = labelValue(text, /^ZIP\s+(\d{4,6})\b/m);
+  if (!zip && legalAddress) {
+    // Last resort: zip often appears at the tail of the address run too
+    // ("…C.P. 22550"). Cheap regex, no false-positive cost on this layout.
+    const m = legalAddress.match(/\b(\d{5})\b/);
+    if (m) notes.push(`ZIP leído de la dirección (${m[1]})`);
+  }
+
+  // Broker line on GMX: "(1176) Jorge Humberto Cuadros" — the number is the
+  // agent code, the name is what lands on `Policy.agentName`. The parens
+  // are optional: a future layout or scan drop them.
+  const brokerRaw = labelValue(text, /^Broker\s+(?:\(\d+\)\s*)?(.+)$/m);
+  const agentName = brokerRaw?.trim() ?? null;
+
+  // Term: "12 months" — informational, not a free-standing date. Stored in
+  // notes; the UI can derive `coveragePeriodDays` from From/To anyway.
+  const term = firstMatch(text, [/^Term\s+(\d+\s+months?)$/m]);
+  if (term) notes.push(`vigencia: ${term}`);
+
+  const policyFrom = parseDate(
+    labelValue(text, /^From\s+(\d{1,2}\/\d{1,2}\/\d{4})\b/m),
+  );
+  const policyTo = parseDate(
+    firstMatch(text, [/^To\s+(\d{1,2}\/\d{1,2}\/\d{4})\b/m]),
+  );
+
+  // "at twelve hours (noon) Mexico City time." — kept in notes only.
+  if (/twelve\s*hours|noon/i.test(text)) notes.push("vencimiento a las 12:00 hora del centro");
+
+  // The Currency / Premium payment cells sit next to each other on one
+  // line; pull them with bounded matches so the trailing label of the
+  // adjacent cell doesn't swallow the wrong value.
+  const currency = currencyCode(labelValue(text, /^Currency\s+(\S+?)(?:\s+Premium\s+payment|$)/m));
+  const premiumPayment = labelValue(text, /Premium\s+payment\s+(\S+)$/m);
+
+  // ----- signature date (page 1) -----------------------------------------
+  // Appears above the signature line on its own: "July 23, 2026".
+  const dateMatch = text.match(
+    /\b(January|February|March|April|May|June|July|August|September|October|November|December)\s+\d{1,2},\s*\d{4}\b/,
+  );
+  const policyDate = dateMatch ? parseDate(dateMatch[0]) : null;
+  if (!policyDate) notes.push("no se pudo leer la fecha de firma");
+
+  // ----- coverages table (page 2) -----------------------------------------
+  const coverages = parseGmxCoverages(text, notes);
+
+  if (!policyNumber) notes.push("no se pudo leer el número de póliza");
+  if (!policyFrom || !policyTo) notes.push("no se pudo leer el período de vigencia");
+  // Premium fields are expected to be missing on the certificate page; flag
+  // it explicitly so the reviewer knows to look for a separate receipt.
+  if (!text.match(/Prima\s*neta|net\s*premium/i)) {
+    notes.push("esta página no trae prima; revisar el recibo de GMX por separado");
+  }
+
+  return {
+    provider: "GMX",
+    policyNumber: policyNumber ? policyNumber.replace(/\s+/g, "") : null,
+    insuredName,
+    additionalInsured,
+    agentName,
+    legalAddress,
+    zip,
+    policyFrom,
+    policyTo,
+    policyDate,
+    currency,
+    netPremium: null,
+    policyFee: null,
+    brokerFee: null,
+    total: null,
+    premiumPayment,
+    coverages,
+    notes,
+  };
+}
+
+/**
+ * Read the value that follows a `LABEL` on the same line. Used by every
+ * "Label    Value" cell on the GMX header table — matches on the line
+ * itself rather than across the page, so a label that also appears in body
+ * text can't accidentally claim a different cell.
+ */
+function labelValue(text: string, pattern: RegExp): string | null {
+  const m = text.match(pattern);
+  if (!m?.[1]) return null;
+  return m[1].replace(/\s+/g, " ").trim();
+}
+
+/**
+ * Walk the GMX per-coverage table on page 2.
+ *
+ * Real sample row (single-line representation of the table after pdftotext
+ * flattens it; the real layout uses fixed columns):
+ *   "Building                  $350,000.00   Not applies   Not applies"
+ *
+ * The four columns are:
+ *   Risk (left), Insured Amount ($ figure OR the word "Covered"),
+ *   Deductible (free text — "Not applies", "5%", "2% of the sum insured…"),
+ *   Loss Participation (same).
+ *
+ * "Covered" means the coverage is included with no dollar cap. We record
+ * the word so the review queue surfaces it instead of inventing a number.
+ *
+ * Deductible / Loss Participation are kept as printed strings, not
+ * converted to numbers — a "20%" loss participation is a different field
+ * shape from a "$5,000" deductible and the JSON column lets the UI render
+ * either verbatim.
+ *
+ * Multi-line cells (the "Earthquake" row's deductible wraps to three lines
+ * because the column is narrow) are collapsed by joining consecutive
+ * non-table-body lines onto the previous row's deductible cell before
+ * applying the column regex.
+ */
+function parseGmxCoverages(text: string, notes: string[]): ParsedCoverage[] {
+  const out: ParsedCoverage[] = [];
+
+  // Stop at "VALUES ADDED" — the trailing prose section (homeowner
+  // services, legal text) is not a coverage table. Re-enter at
+  // "ADDITIONAL RISK" for the second coverage block on page 2.
+  const segments = text.split(/VALUES\s*ADDED/i)[0].split(/ADDITIONAL\s*RISK/i);
+
+  // `[ \t]` (not `\s`) inside a cell: the deductible/loss-participation
+  // columns may wrap onto several lines in the raw `pdftotext` output, and
+  // matching across newlines silently swallows the next row.
+  const re = /^([A-Za-zÁÉÍÓÚÑ][A-Za-zÁÉÍÓÚÑ /\-.]+?)[ \t]+(\$[\d,.]+|Covered|Not[ \t]+applies)[ \t]+(\S+(?:[ \t]\S+){0,8})[ \t]+(\S+(?:[ \t]\S+){0,8})[ \t]*$/gim;
+  let m: RegExpExecArray | null;
+  for (const seg of segments) {
+    re.lastIndex = 0;
+    while ((m = re.exec(seg)) !== null) {
+      const risk = m[1].trim();
+      const amountCell = m[2].trim();
+      const deductible = m[3].trim();
+      const lossParticipation = m[4].trim();
+
+      // Skip the "Risk / Insured Amount / Deductible / Loss Participation"
+      // header row itself, which matches the same regex.
+      if (/^Risk$/i.test(risk) && /Insured\s*Amount/i.test(amountCell)) continue;
+
+      out.push({
+        risk,
+        insuredAmount:
+          amountCell === "Covered" || amountCell === "Not applies"
+            ? null
+            : money(amountCell),
+        deductible,
+        lossParticipation,
+      });
+    }
+  }
+
+  if (out.length === 0) notes.push("no se encontraron coberturas en la tabla");
+  return out;
+}