Florida Carrier and Builder Intelligence
The only aggregate, anonymized intelligence platform built specifically for Florida plaintiff attorneys — covering bad faith carrier conduct and construction defect builder patterns in the state's most contested markets. The same picture the defense has always had, now on your side of the table.
Florida's first-party bad faith market — in aggregate.
Florida runs one of the most active first-party bad faith insurance markets in the country. Hurricane and tropical storm exposure drives claim volumes that dwarf most other states, compressing disputed claims into windows that strain carrier response posture. When a major storm makes landfall, the patterns that follow — speed to denial, repair estimate disputes, escalation to appraisal — play out at scale across tens of thousands of claims at once.
SB 2A reshaped the playing field in 2023. It curtailed one-way attorney's fees and assignment of benefits and tightened the pre-suit notice requirements, and carriers handle claims differently now than they did before. How a carrier resolves claims in the current environment matters more than how it resolved them in 2021, and the 2021 data picture won't tell you that.
DAIS carrier intelligence in Florida tracks aggregate, anonymized patterns across the full active carrier market: speed-to-resolution by claim type and line of business, escalation rates pre-suit versus post-suit, complaint intensity relative to market share, regulatory and market-conduct history, and financial health indicators. Everything comes in aggregate form — no individual claimant data, no individual claim records.
- Speed-to-resolution patterns by claim type and line of business
- Escalation and litigation rates indexed to market benchmarks
- Pre-suit versus post-suit resolution patterns by jurisdiction
- Complaint intensity relative to market share across the carrier market
- Regulatory actions, market-conduct examinations, and enforcement history
- Financial health and solvency indicators aggregated by carrier segment
Florida construction defect — the pattern that matters.
A client calls about stucco cracking in a 2018 house. Before you know whether you have a case, you need to know whether the same builder was active in the same region across other communities that year — and whether the same defect type has surfaced elsewhere. Florida builders concentrate geographically, running multiple communities through construction on overlapping timelines. A defect in unit 23 of a 2018 subdivision is rarely isolated when the builder was working across forty other communities in the same window.
DAIS builder intelligence in Florida covers permit history, builder portfolios by geography and time period, and litigation activity — all aggregate and anonymized. When you're preparing a §558 pre-suit notice or sizing up the scope of a defect case, this is the layer the plaintiff side has never had. The defense has always known the builder's portfolio. Now you can see it too.
Florida construction defect litigation — stucco cases in particular — runs on its own statutory track, including §558 pre-suit notice obligations and the repose periods under §95.11. Knowing how a builder has responded to pre-suit notices at the portfolio level, and where its active communities cluster, is the difference between a §558 notice that opens a negotiation and one that gets filed and ignored.
- Permit history and builder portfolios by geographic region and time period
- Community-level concentration analysis by builder and construction vintage
- Pre-suit notice response patterns aggregated across the builder market
- Litigation posture and escalation patterns by builder segment
- Defect-type distribution across Florida's active construction markets
- Trade-contractor overlap patterns for multi-community defect analysis
Not a records pull. A decision tool.
Aggregate, not anecdotal
Patterns across the whole Florida market, not the handful of matters any one practice has handled. The signal lives in the portfolio, not the single case.
Current, not historical
Post-SB 2A dynamics are baked in. The carrier and builder patterns reflect how the market operates now, under the current regulatory regime.
Built for the table
Framed as posture, benchmarks, and market context — the read you want when you prepare a §558 notice, weigh a carrier's response, or sit down to negotiate.
Access is reserved for Founding Members and available by request. Tell us your practice area and we will walk you through the Florida intelligence platform.