Home Insurance Watch

Methodology

What a status means

Every carrier-state status on this site is derived from dated, linked source events, never from our opinion. A carrier shows “no signal tracked” until a verified event supports something stronger. We publish unknowns honestly rather than guessing.

Source hierarchy

  1. State regulator bulletins and orders (departments of insurance).
  2. Rate, form, and withdrawal filings (SERFF Filing Access, California WARFF, Florida i-File/IRFS).
  3. Residual-market disclosures (California FAIR Plan quarterly statistics, Florida Citizens monthly policy counts).
  4. Carrier statements and newsrooms.
  5. Credible trade and local press. Press-sourced events require two independent sources before they change any status.

Verification and cadence

Sources are swept weekly. Every candidate event is re-fetched and confirmed against its source before publication, and statuses older than 90 days are re-verified on rotation. Each event shows the date it describes and the date we verified it.

What we do not do

  • No characterization of carrier motives. We report what was filed or announced, when, and by whom.
  • No “best insurer” rankings and no premium comparisons.
  • No money from insurance carriers. Monetization, when it exists, is disclosed on the page where it appears.
  • No republication of confidential regulatory data. Aggregate government reports are cited as context at the granularity they were published.

Corrections

Corrections are annotated in place and logged here. Events are append-only; we do not silently delete or rewrite history. To report an error, email editor@homeinsurancewatch.com with a link to a primary source. No corrections logged yet.

Key public datasets we build on

  • State DOI newsrooms and bulletin feeds (per-state list in each state page footer).
  • California FAIR Plan key statistics (quarterly; county, ZIP, and wildfire-risk breakdowns).
  • Florida Citizens policies-in-force series (monthly).
  • NAIC market share reports (annual baseline of market structure).
  • US Senate Budget Committee county-level non-renewal dataset (2018-2023, static).