Don't research this by hand.
InsuroAI cross-references statutes, admin code, case law, and DOI bulletins, and audits your notices against them, with citations you can verify.
Coverage
The Habitability Exclusion in Commercial Insurance: A California Deep Dive
Analysis•June 28, 2026
Underwriting
The New York Scaffold Law: Labor Law §§ 240, 241, and 200 and the Construction GL Tower
Analysis•June 28, 2026
Underwriting·Analysis
Underwriting Habitational Risk in a Turning Market: CAT, Valuation, Deductibles, and Florida as the Stress Test
Habitational is one of the hardest property classes to place, and the driver is water and juries, not hurricanes. Risk selection, CAT modeling, ITV, deductible structure, the turning 2025-26 market, and Florida as the case everyone watches.
Analysis•June 25, 2026
Coverage·Analysis
Statutory Floors Requiring Condominium Associations to Insure More Than "Bare Walls": The Uniform-Act States and Key Non-Uniform Jurisdictions
A pure bare-walls master policy is foreclosed for stacked residential condos in the uniform-act states: UCA/UCIOA § 3-113(b) mandates studs-in coverage. Connecticut, Florida, and current-WUCIOA Washington reach all the way to all-in; Massachusetts, Arizona, and Virginia impose no floor at all. A multi-state survey of the statutes and the leading cases.
Analysis•June 22, 2026
Compliance·50-State Survey
Mid-Term Cancellation of Homeowners Policies: A 50-State and D.C. Notice and Grounds Survey
After an initial underwriting window, almost every state forbids mid-term cancellation except on a short list of enumerated grounds, on short notice: 10 days for nonpayment, and 5 (Massachusetts) to 120 (Florida) for cause. A 50-state and D.C. survey of the cancellation notice clocks, the grounds, the defective-notice remedy, and the post-disaster moratoria.
50-State Survey•June 22, 2026
Compliance·50-State Survey
Assignment of Benefits in Insurance: A 50-State and D.C. Survey of Pre-Loss and Post-Loss Assignment
The dominant American rule: an anti-assignment clause bars pre-loss transfer of the policy but not a post-loss assignment of an accrued claim. A 50-state and D.C. map of the majority rule, the Texas/Louisiana/Ohio minority, Florida's statutory AOB ban (SB 2-A), and the admitted/surplus-lines divide.
50-State Survey•June 21, 2026
Coverage·50-State Survey
Mandatory-Offer and Mandatory-Inclusion Requirements for Residential Property Coverages: A 50-State and D.C. Survey
Most states mandate nothing, but the map is wider than replacement cost and ordinance-or-law. California requires an earthquake offer, Florida mandates sinkhole and hurricane-deductible offers, and five states compel mine-subsidence coverage. A 50-state and D.C. survey of the offer, include, and make-available duties.
50-State Survey•June 21, 2026
Emerging Risks·Analysis
From CAIA to ADMT: Colorado's Repealed AI Act, Its SB 26-189 Replacement, and What It Means for Insurers
SB 24-205 was repealed before it ever bound anyone; SB 26-189's narrower ADMT notice regime replaces it. For insurers the § 10-3-1104.9 deeming survives for the practice of insurance, but employment uses don't, and the SB 21-169 attestation deadlines bite now.
Analysis•June 20, 2026
Claims·Analysis
Underpaid First-Party Residential Property Claims in Florida: Bad Faith and Extra-Contractual Remedies After SB 2-A and HB 837
An underpaid Florida property claim now runs two tracks: the contract recovers policy benefits and interest only, while statutory bad faith (gated behind section 624.1551's adverse-adjudication prerequisite) is the sole route to consequential damages and fees.
Analysis•June 19, 2026
Compliance·50-State Survey
Surplus Lines Cancellation and Non-Renewal Notice Requirements: A 50-State and D.C. Survey with Primary-Source Citations
There is no national rule: roughly a third of jurisdictions exempt surplus lines outright (the policy contract governs), a third subject it (often only commercial or only personal lines), and the rest are statutorily silent, turning on whether the cancellation statute's word "insurer" reaches non-admitted carriers. A 50-state and D.C. survey with primary citations.
50-State Survey•June 17, 2026
Compliance·50-State Survey
Homeowners Insurance Non-Renewal Notice Periods: A 50-State and D.C. Survey
There is no national non-renewal notice period: the floor is 30 days, a cluster of states require 45, and a catastrophe-driven wave has pushed Florida to 120 and California and Kentucky to 75. A 50-state survey of the notice clocks, the trigger that starts them, the post-disaster moratoria, and the controlling statutes.
50-State Survey•June 16, 2026
Claims·Analysis
Actual Cash Value, Replacement Cost, and Depreciation in Florida Property Claims
Every undervaluation fight lives in one gap: replacement cost minus depreciation. What Florida lets carriers depreciate (including the contested labor question), how overhead and profit fit, the ACV-roof shift, and the district split over recovering RCV on property that's never repaired.
Analysis•June 14, 2026
Claims·Analysis
Underpayment and Scope-of-Damage Disputes in Florida Residential Property Claims
The fight usually isn't denial. It's a check that runs short. How Florida sorts what an appraisal panel decides from what a court decides, where overhead and profit, depreciation, code upgrades, and matching drive the dollar gap, and how the 2022 to 2023 fee repeal changed whether it's worth fighting.
Analysis•June 14, 2026
Coverage·Analysis
Wear and Tear, Pre-Existing Damage, and Maintenance Exclusions in Florida Residential Property Claims
When an adjuster writes "age and deterioration," that's an exclusion, and on an open-peril policy the carrier, not you, has to prove it. How Florida allocates the burden, when a covered storm carries an excluded maintenance cause into coverage (and how anti-concurrent-cause language stops it), and the 14-day seepage trap.
Analysis•June 14, 2026
Coverage·Analysis
Water Damage Source and Duration Limits in Florida Homeowners Policies
A sudden pipe burst is covered; long-term seepage usually isn't, and the fight turns on the exact words. How Florida handles the "14 or more days" seepage clause, anti-concurrent-cause language, mold sublimits, and the burden of proving when the loss actually happened.
Analysis•June 14, 2026
Claims·50-State Survey
Anti-Public Adjuster Endorsements: Where All 50 States and D.C. Stand
Only Texas and Louisiana prohibit anti-public adjuster endorsements by statute, and Louisiana exempts commercial surplus lines. A 50-state survey of the licensing schemes, the FAPIA v. Velocity test case, the Barbato decisions, and the waiver question no appellate court has answered.
50-State Survey•June 12, 2026
Emerging Risks·Analysis
AI Is Already Deciding Homeowners Insurance Coverage: How Insurers Use It and the State Rules Reining It In
Algorithms scan aerial photos and policies get dropped without an inspector setting foot on the lot. Louisiana, Colorado, and Pennsylvania are pushing back, and twelve states are piloting the NAIC's AI audit tool.
Analysis•June 11, 2026
Compliance·Analysis
Sixty Days Instead of Thirty: What Louisiana's Act 182 Means for Policyholders
Effective July 1, 2026, Louisiana insurers must give 60 days' notice (up from 30) before canceling or nonrenewing P&C policies, state the reason, and a late homeowners nonrenewal notice extends coverage at the prior year's rate.
Analysis•June 11, 2026
Claims
TDI's Proposed Appraisal Rules: New 28 TAC §§5.9800 to 5.9806 Would Set Deadlines, Qualifications, and Umpire Safeguards for Texas Home and Auto Claims
Analysis•June 11, 2026
Claims
Underpaid Home Insurance Claims in Florida: What to Do When the Check Won't Cover Repairs
Analysis•June 11, 2026