Competitor rate filing analysis: what rivals filed, where and why, every answer cited to its filing page
Every competitor filing searchable, each answer cited to its filing page.
See one case, screen by screen ↓Reading the rate, rule and form filings your competitors make with state regulators to learn what they changed, by how much, from when and why. Competitor Rate Filing Analysis reads every filing your watched rivals make in your states, tags the reason each company gave in its own actuarial memorandum, and answers questions on a two-year filing timeline, cited to the filing page.
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Every rate, rule and form change a homeowners writer makes is filed with a state regulator, and most of those filings become public. They are the most honest competitive intelligence there is: what a rival changed, by how much, from when, and — in the actuarial memorandum — why. But tens of thousands are approved each year, and a pricing team reads the handful someone happens to find through a filing search, a colleague or a request from leadership.
So the work is slow and the answer comes late. Filings are searched rival by rival and state by state, rate tables are copied out of PDFs into spreadsheets, indicated and selected changes get confused, and a pending filing is read as approved. A +9.2% from a hurricane model change means something different from a +9.2% driven by reinsurance or a new roof schedule — and that reason sits in the actuarial memorandum, a few pages into a filing hundreds of pages long. When a rival surcharges older roofs harder than you do, those roofs come to you at renewal before anyone has read the filing.
Estimated split, in working days, for one review of six rivals across six states — by hand, and with the solution.
Six agents collect, read and tag every rival filing in your states; the pricing analyst asks, decides and sends.
Monday 12 October 2026. Rina Castellano is building Kestrel Point Mutual's 2027 Florida HO-3 indication, and agents have been telling the product manager that the market is moving again. Here is her morning, screen by screen, in the working solution.
Rina opens the Timeline: one lane per rival, six rivals and Kestrel Point at the bottom, one bar per HO-3 rate filing since October 2024, height for the overall change, colour for the state. On the right, her Florida position — −2.1% in force since 1 August, a 2027 indication of +5.4% that only the pricing team can see. Over the weekend the agents collected 24 new homeowners filings from six state systems and read 2,914 pages.
Since Friday: “Factor watcher — 2 new factors: Bayline hail deductible, Calder roof surfacing.”
She types the question in plain words. The filing analyst reads it as Florida, homeowners HO-3, increases above +8%, searches the 12 Florida rate filings her six rivals made since October 2024 and lights four bars: Northwake Property +12.9% (indicated +16.3%), still pending, for non-hurricane water; Gulfmark Home Insurance +11.4% for reinsurance cost; Bayline Property & Casualty +9.2% for a hurricane model change worth +6.1 points; Tidewater Select +8.6%, with a new roof age schedule. Before the answer shows, every figure is checked against its page — 4 of 4 match the memorandum — and every sentence cites its filing.
“Four of the 12 Florida rate filings your six rivals made since October 2024 raised homeowners rates by more than 8%: three approved and one still pending.”
Rina clicks Tidewater's bar. The rail shows the filing: +8.6% overall against +10.2% indicated, filed 9 June 2026, approved 21 August, in force 1 October, 44,902 policies and $158.6M written premium — and the passage from page 11 of 472 of the actuarial memorandum, highlighted.
“The proposed roof age factors range from 0.85 for roofs 0–5 years to 1.62 for roofs 20 years and older (Rule 410).”
The full filing opens with its five figures, the memorandum page with a margin note on every tagged reason — roof age schedule +3.1 points, non-hurricane water +2.4, loss cost trend +3.1 — and the regulator's question. On 7 July the Florida Office of Insurance Regulation asked for the loss experience behind the 1.62 factor; Tidewater answered on 24 July.
Margin note: “Figures checked — 5 of 5 match the page.”
Back on the Timeline she clicks the why tag “roof age schedule”. Three of the 35 rate filings light up, all Tidewater: South Carolina +6.2%, Georgia +5.5% and Florida +8.6%, each with the points the roof schedule contributed. No other rival's rate filing gave it as a reason.
New factors shows where Tidewater's Rule 410 appeared first and how it spread: South Carolina, filed 11 August 2025; Georgia, filed 2 February 2026; Florida, filed 9 June 2026 and in force since 1 October. The factor watcher compares rating manual pages on every filing, and flagged this one on 15 August 2025.
“Flagged by the factor watcher on 15 Aug 2025, 4 days after it went public — 13 months before it took effect in Florida.”
The factor table sets Tidewater's roof age factors beside Kestrel Point's, band by band, with your Florida policies in each. Tidewater is lower on new roofs and 20% higher on roofs 20 years and older — 1.62 against 1.35, on 9,412 of your 71,350 Florida HO-3 policies; 14% higher at 16–19 years, on 9,208 more. One button asks the chief actuary to review the roof curve.
“Tidewater now charges 1.62× on roofs 20 years and older in Florida — 20% above your 1.35.”
Compare shows each rival's latest filing in each state over 12 months with its reason, pending hatched. Compounded since October 2024, Bayline is up +13.7% in Florida, Tidewater +11.6% and Northwake +10.8% with its pending filing; Kestrel Point is at +1.2%. A second chart shows what each rival held back: Gulfmark filed 6.5 points below its own indication.
“A large gap means the rival filed well below its own indication — more increases may follow.”
The digest writer drafted the 5–11 October digest at 07:00: five items, nine citations — Tidewater's roof schedule now in force in Florida, Bayline's pending +4.4% in Georgia with a hail deductible for older roofs, Calder Shield moving roof surfacing to actual cash value, a regulator question on Gulfmark's Texas hail trend, and Northwake's Florida objection, answer due 30 October.
“Filed changes, not what customers pay.”
Nothing goes out until she approves it. She reads the draft and sends it to Anne-Marie Duval, Victor Lam, Tom Okafor and Jules Brenner. Every line links to its filing page; the 2027 indication is not included. The digest is logged with its citations.
“Every line links to its filing page. Your 2027 indication is not included — it stays with the pricing team.”
The same rival filings, seen by the five people at Kestrel Point who act on them — what their week looked like, and what it looks like now.
Six agents collect, read and tag every rival filing in your states; the pricing analyst asks, decides and sends.
Each night checks the public filing systems of the six watched states for new homeowners rate, rule and form filings and downloads every document — memorandum, exhibits, rating pages and correspondence.
Splits each filing into memorandum, exhibits, rating pages and correspondence, and extracts overall and indicated change, policies affected, written premium, effective dates, status and objection dates — each figure from the page it is printed on.
Reads each actuarial memorandum and tags the reasons the company gave, from a list of 12, each with its quoted passage and stated contribution in points.
Compares each rival's rating manual pages with its last approved pages in the same state and in other states, flags a factor that appears for the first time, and records where it appeared first and where it spread.
Reads each question for state, line, direction, threshold, reason and rival, answers from the filings only, lights the filings that answer on the timeline and says how many were searched and how many matched.
Writes the Monday digest from the week's filings, alerts and the analyst's saved findings — at most eight items, most material first, one headline and two sentences an item, every sentence cited.
Decides what it means. The agents propose; a named person decides.
Ask about any rival filing in your six states, or tell it what to watch. Answers come from the filings only, with the filing page behind every sentence.
Who raised homeowners in Florida over 8%?
Four of the twelve Florida rate filings your rivals made since October 2024: Gulfmark +11.4% for reinsurance cost, Bayline +9.2% for a hurricane model change, Tidewater +8.6% with a new roof age schedule, and Northwake +12.9%, still pending. I have lit them on the timeline.
Which rivals added a roof age factor, and where?
Only Tidewater Select. It appeared first in South Carolina, filed 11 August 2025, then Georgia in February and Florida in June, in force since 1 October. At 20+ years it charges 1.62 against your 1.35.
What did the regulator ask Northwake in Florida?
The objection of 30 September asks Northwake to support its 9.5% annual water severity trend and to show how the 2023 reforms were reflected. The answer is due 30 October; the 90-day review ends 22 November.
Put the Florida finding in this week's digest
Added as the first item of the 5–11 October digest, with all four filings cited. It goes to Anne-Marie Duval, Victor Lam, Tom Okafor and Jules Brenner when you send it.
13 screens from the working solution, on its sample data. Pick one to see it large.
Which rivals and states to read, when to be told, and how answers are written — all settings.
| Setting | Default | Choose from |
|---|---|---|
| Rivals and states read every night | 6 rivals · 6 states | Add a rival |
| Tell me about an overall change of 5% or more | On | On · Off |
| Tell me about any new rating factor or objection letter | On | On · Off |
| Every sentence cites its filing page | On | On · Off |
| Include your own filings in answers | Off — only when the question asks | On · Off |
| Digest drafted | Weekly, Monday 07:00 ET | Weekly · Daily |
| Items per digest, at most | 8 | 5 · 8 · 12 |
| Reasons the agents may tag | 12 reasons | Add a reason |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample filings · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (ZestyAI, Approval Velocity 2026, via Insurance Journal — 20,183 approved rate filings in 12 months, 53.2% of homeowners filings drew an objection; Akur8 Discover, vendor-reported — one carrier's filing research by hand took about two and a half weeks). People, companies, filings and tracking numbers named on this page are fictional — characters and sample data in the working solution.
Reading the rate, rule and form filings your competitors make with state regulators to learn what they changed, by how much, from when and why. Competitor Rate Filing Analysis reads every filing your watched rivals make in your states, tags the reason each company gave in its own actuarial memorandum, and answers questions on a two-year filing timeline, cited to the filing page.
From each state's public filing access — for most states that is SERFF Filing Access, and Florida's own filing search is read alongside. Filings are visible only once a state marks them public, and the filing collector never collects a document the state has not marked public or signs in to a filer account.
The why tagger reads the actuarial memorandum and tags the reasons the company stated — hurricane model change, reinsurance cost, roof age schedule, hail loss trend and others from a list you control — each with the quoted passage and its stated contribution in points. It never infers a motive the memorandum does not state, and holds low-confidence tags for the analyst.
Yes. The factor watcher compares each rival's rating manual pages with its last approved pages in every state, flags a factor the first time it appears, and shows where it spread next. In the working solution, Tidewater's roof age schedule was flagged in South Carolina four days after it went public — 13 months before it took effect in Florida.
No. It says what a rival filed and the filing's status, never what a customer pays. Pending filings are said as pending, and indicated changes are always shown next to filed ones.
Yes. The watch list sets the rivals, states and lines read each night, and you choose when to be told: an overall change of 5% or more, any new rating factor, any objection letter, any Florida filing by a watched rival. Who receives which alert, the digest schedule and the approver are settings too.
Yes. The pricing analyst decides what a finding means and what goes in the digest, and nothing is sent until the analyst approves it. The head of personal lines decides the market response and the chief actuary decides what the company files; the agents may not contact a regulator, file anything or change your rates.
The Agentic Solution Engine builds and deploys it from your requirements — your watched rivals and states, your own filings and your reason list — and it goes live once every quality gate has passed. We will walk you through it on your own market first.
Only the renewals whose hazard or roof changed reach an underwriter.
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