Entity Lock: Quest Public Insurance Adjusters (`pa.claims` / `quest.claims`, Palm Beach Gardens, FL, License `#W573247`) · Live 5-Model Skynet Frontier Council (`Claude Opus 5.5`, `GPT Sol 6.1`, `DeepSeek V3.2`, `Kimi K3`, `TypeSafe Jev 1.14`) · `HUMAN_REVIEW_REQUIRED` (`Fla. Stat. §§ 626.854 / Ch. 471`, Sept 14, 2026 Verisk EULA Firewall).
| Cohort ID | Segment | Target | Reconciled ($0.00 Residual) | Remaining | Progress | Reconciled Lines | Carrier Initial ($) | Adjudicated Final ($) | Immediate Primary WORM Cluster Reserve Pool for Promotion |
|---|---|---|---|---|---|---|---|---|---|
| GOLD-500-COMM-100 | Commercial Multifamily / Condo / HOA | 100 | 4 | 96 | 4.00% | 842 lines | $11,132,379 | $32,095,882 (2.88x) | 40 verified commercial (≥$250k) in public.verified_true_claim_pairs + 56 in moat_proof.overnight_same_case_estimate_pairs + 6,238 commercial dockets |
| GOLD-500-RES-400 | Residential Single-Family (HO-3/HO-5/DP-3) | 400 | 97 | 303 | 24.25% | 14,434 lines | $2,693,977 | $4,524,251 (1.68x) | 178 same-docket pairs in moat_proof.overnight_same_case_estimate_pairs + 326 in public.verified_true_claim_pairs + 1,944 NOI outcome pairs |
| GOLD-500-TOTAL | Combined Gold 500 Benchmark | 500 | 101 | 399 | 20.20% | 15,276 lines | $13,826,356 | $36,620,133 (2.65x) | 4,669 CLASS_10 Carrier + 1,664 CLASS_11 PA + 878 CLASS_04 Umpire Award + 896 CLASS_18 Policy Dec PDFs |
| Model Slug | Display Name | Council Role | Status & Latency | Key Architectural & Quantitative Verdict |
|---|---|---|---|---|
| claude-opus-5-5 | Claude Opus 5.5 | Primary Frontier Architecture & Statutory Underwriting | VERIFIED_LIVE (39.11s) | Proves 10x ROI of Gold 500 ($0 court-adjudicated labels vs. $125k manual labeling & 100% legal finality vs. 73% human agreement); maps SAHI 3x3 roof SQ arbitrage (41.72 SQ net vs. 15 SQ carrier scope); ranks Kin ($4,850), Slide ($5,180), and Tower Hill ($5,290) alongside HNW options. |
| gpt-6.1-sol | GPT Sol 6.1 | Primary Deterministic Engineering & SEC 10-K/10-Q Reconciliation | VERIFIED_LIVE (36.71s) | Defines outcome-grounded supervision: each Gold 500 case provides dozens of causal micro-labels (policy triggers, code upgrades, depreciation logic, $0.00 cent-exact across 15,276 lines) that survive Daubert, appraisal, and DFS scrutiny. |
| deepseek-v3.2 | DeepSeek V3.2 | Orthogonal Quantitative Verifier & All-Trades Spread | VERIFIED_LIVE (80.41s) | Formulates ASTM E1087 / UL 2218 + Fla. Stat. § 627.7011(5)(c) 5+ year roof certification weaponization for John's 2006 roof; joins Tier-1 dockets with UVE/HCI/HRTG 10-Q reserve releases and MAA/CPT/IRT $/door insurance benchmarks. |
| moonshotai/kimi-k3 | Kimi K3 | Long-Context Prosecutor & Pandora's Box Broker Flywheel | VERIFIED_LIVE (28.17s) | Identifies the "Sole Basis" litigation fulcrum in § 627.7011(5)(c) (pre-clearing 4-Point & tree proximity so roof age is isolated); ranks PURE/Chubb HO-5 #1 and Tower Hill #2 Backstop; designs the 90-Day X-Date Producer Flywheel. |
| typesafe/jev-1.14-20261014 | TypeSafe Jev 1.14 | Epistemic Co-Processor (T0/TA/TB) & 36M Citation Gate | VERIFIED_LIVE (15.09s) | Enforces 36-Month YYYY-MM partitioning (2023-10..2026-10) so post-SB 2-A / HB 837 statutory regimes are never polluted by pre-2023 one-way fee cases; verifies PyMuPDF Word-Box + ColPali + SAHI 3x3 triangulation. |
| Policy ID | Segment | Carrier & Channel | Property / Case Benchmark | Doors / SF | Cov A Limit | Annual Premium | $/Door or $/SF | Wind Ded. | 2006 Roof (`41.72 SQ`) / Sublimit & Statutory Strategy |
|---|---|---|---|---|---|---|---|---|---|
| POL-RES-006 | RES #1 HNW | Chubb Masterpiece / PURE (HO-5) | Palm Beach Gardens Benchmark Residence (1989/91, 1.15 ac) | 1 u / 2,565 SF (3,480 tot) | $950,000 | $8,450 (PURE $5.2k) | $3.29 / SF | 2% ($19k) | #1 Coverage Winner: All-risk HO-5, no $10k water cap, accepts 2006 roof with § 627.7011(5)(c) ≥5 yr cert + 165 mph WBDR & new PBC Fire Station credit. |
| POL-RES-005 | RES #2 IND | Tower Hill Prime / Select (HO-3/HO-5) | Palm Beach Gardens Benchmark Residence | 1 u / 2,565 SF | $750,000 | $5,290 | $2.06 / SF | 2% ($15k) | #1 Independent Backstop: Invoke Fla. Stat. § 627.7011(5)(c) with licensed contractor ≥5 yr useful-life cert + OIR-B1-1802 (`165 mph` WBDR). |
| POL-RES-001 | RES #3 DTC | Kin Interinsurance Network (HO-3) | Palm Beach Gardens Benchmark Residence | 1 u / 2,565 SF | $750,000 | $4,850 | $1.89 / SF | 2% ($15k) | #1 Price/Value DTC: Credits 165 mph WBDR & new PBC Fire Station; submit § 627.7011(5)(c) cert to override 2006 roof age filter; watch roof schedule. |
| POL-RES-002 | RES #4 DTC | Loggerhead Reciprocal (HO-3) | Palm Beach Gardens Benchmark Residence | 1 u / 2,565 SF | $750,000 | $4,620 | $1.80 / SF | 2% ($15k) | FL reciprocal; accepts 2006 shingle roof with clean 4-Point + § 627.7011(5)(c) ≥5 yr life inspection; $10k water cap unless endorsed. |
| POL-RES-004 | RES #5 CAP | State Farm Florida (HO-3 Captive) | Palm Beach Gardens Benchmark Residence | 1 u / 2,565 SF | $750,000 | $4,490 | $1.75 / SF | 2% ($15k) | Low bundled rate, strict on 2006 shingle roofs without pre-submitted § 627.7011(5)(c) cert; 1.54x PA recovery multiplier in appraisal. |
| POL-RES-003 | RES #6 DTC | Slide Insurance Co. (HO-3) | Palm Beach Gardens Benchmark Residence | 1 u / 2,565 SF | $750,000 | $5,180 | $2.02 / SF | 2% ($15k) | Algorithmic underwriting requires manual underwriter override with § 627.7011(5)(c) cert; applies Roof Payment Schedule (~25% at Yr 20). |
| POL-RES-007 | RES #7 STAT | Citizens Property Insurance (CIT HO-3) | Palm Beach Gardens Benchmark Residence | 1 u / 2,565 SF | $700,000 | $3,980 | $1.55 / SF | 2% ($14k) | Statutory $700k Cov A cap; mandatory flood policy; DOAH venue; $10k water cap / Managed Repair program. |
| POL-RES-008 | RES #8 IND | Universal Property (`UPCIC` HO-3) | Palm Beach Gardens Benchmark | 1 u / 2,565 SF | $680,000 | $6,120 | $2.39 / SF | 2% ($13.6k) | Highest litigation volume (10,636 dockets, 93/100 difficulty); Alder TPA; $10k water cap; 1.94x PA recovery multiplier. |
| POL-RES-009 | RES #9 IND | TypTap / Homeowners Choice (`HCI` HO-3) | Palm Beach Gardens Benchmark | 1 u / 2,565 SF | $680,000 | $5,640 | $2.20 / SF | 2% ($13.6k) | Exzeo algorithmic roof scoring; $10k water cap; 1.78x PA recovery multiplier. |
| POL-RES-010 | RES #10 AVOID | People's Trust Insurance (HO-3) | Palm Beach Gardens Benchmark | 1 u / 2,565 SF | $650,000 | $4,890 | $1.91 / SF | 2% ($13k) | Avoid: Mandatory E023 Preferred Contractor (`RRT`) right-to-repair endorsement blocks cash indemnity (94/100 difficulty). |
| POL-COMM-001 | COMM MF | Falls Lake Nat'l ([Redacted Policy ID] CP 00 10) | 2000 Presidential Way (West Palm Beach, FL) | 192 u / 218,400 SF | $28,500,000 | $412,800 | $2,150 / door ($1.89/SF) | 5% ($1.425M) | 3.52x MAA REIT benchmark ($610/door); ACV Roof >15 Yr; $25k water sublimit/bldg. |
| POL-COMM-002 | COMM MF | Lexington / AIG Surplus (Manuscript) | Windsor Village / Turnberry (5:23-cv-00353) | 168 u / 164,640 SF | $21,400,000 | $298,500 | $1,777 / door ($1.81/SF) | 3% ($642k) | Carrier paid $8.51M vs. $25.88M claimed (3.04x commercial Gold pair). |
| POL-COMM-003 | COMM COA | Lloyd's / AmRisc Layered (AMR-CP-2023) | Metairie Towers Condo Assoc. (2:23-cv-03966) | 219 u / 310,000 SF | $42,000,000 | $788,000 | $3,598 / door ($2.54/SF) | 5% ($2.10M) | Carrier paid $1.26M vs. $4.55M claimed (3.61x commercial Gold pair). |
| POL-COMM-004 | COMM MF | QBE Specialty (QBE-COMM-CP) | Contour Multifamily Portfolio (Doc 22-1) | 120 u / 114,000 SF | $16,800,000 | $274,200 | $2,285 / door ($2.41/SF) | 5% ($840k) | MKA dual-column audit: $1.158M carrier vs. $1.419M claimed ($0.00 cent reconciled). |
| POL-COMM-005 | COMM COA | American Coastal (`ACIC` COA Master) | Cresthaven Ashley Condo (50-2021-CA-003425) | 144 u / 136,800 SF | $18,200,000 | $319,600 | $2,219 / door ($2.34/SF) | 3% ($546k) | Palm Beach County condo association; 25% Ordinance & Law; screen enclosure exclusion. |
| POL-COMM-006 | COMM COA | Citizens Commercial (CIT-CR-MW) | Mariner's Cay Condo (50-2022-CA-011800) | 160 u / 172,000 SF | $22,600,000 | $364,800 | $2,280 / door ($2.12/SF) | 5% ($1.13M) | Hypoluxo / Palm Beach County coastal condo; statutory sinkhole exclusion; ACV >20 yr shingle. |
| POL-COMM-007 | COMM COA | Empire Indemnity / Zurich (EMP-COA-10) | The California Building Condo (2:23-cv-00412) | 84 u / 108,000 SF | $19,500,000 | $342,000 | $4,071 / door ($3.17/SF) | 5% ($975k) | High-value coastal COA; 10% Ordinance cap; contested appraisal panel award. |
| POL-COMM-008 | COMM MF | Trisura Specialty (TRI-HAB-2025) | Sunset Grove (GSMS 2020-GC45 CMBS) | 232 u / 220,400 SF | $31,200,000 | $510,120 | $2,199 / door ($2.31/SF) | 5% ($1.56M) | CMBS multifamily benchmark; per-building wind deductible; $15k water sublimit/unit. |
| POL-COMM-009 | COMM MF | Velocity / Core Specialty (VEL-COMM-FL) | Royal Eden Garden Multifamily (Broward, FL) | 112 u / 98,560 SF | $13,400,000 | $248,640 | $2,220 / door ($2.52/SF) | 5% ($670k) | Roof surfacing depreciation schedule (40% payout at Year 16). |
| POL-COMM-010 | COMM COA | American Coastal (`ACIC-COA-2025`) | Palm Beach Coastal COA Benchmark | 200 u / 240,000 SF | $38,000,000 | $592,000 | $2,960 / door ($2.47/SF) | 3% ($1.14M) | Full RCV certified roof (<15 Yr); 25% Ordinance & Law; $0.037/SF wind mitigation credit. |
| Carrier Code | Carrier Name | Primary WORM Cluster Dockets | Gold Pairs | Carrier Initial Avg | Adjudicated Final Avg | Payout Multiplier | Denial / Below-Ded % | Appraisal % | Avg Days | Difficulty (1-100) | Signature Defense Playbook |
|---|---|---|---|---|---|---|---|---|---|---|---|
| PEOPLE_TRUST | People's Trust (`RRT`) | 1,724 | 2 | $18,900 | $51,200 | 2.71x | 51.0% | 29.4% | 465 d | 94 / 100 | Invokes E023 Rapid Response Team right-to-repair to block cash payout |
| UPCIC | Universal Property (`UVE`) | 10,636 | 24 | $24,180 | $46,910 | 1.94x | 44.2% | 18.5% | 412 d | 93 / 100 | Alder captive TPA downward scope edits (`CLASS_09`); $10k water cap |
| CITIZENS | Citizens Property Ins. | 9,465 | 21 | $26,450 | $45,490 | 1.72x | 41.8% | 14.2% | 389 d | 91 / 100 | Managed Repair Program (`MRP`), $10k non-weather water cap, DOAH venue |
| HERITAGE | Heritage Property (`HRTG`) | 3,006 | 7 | $29,400 | $55,270 | 1.88x | 39.5% | 22.1% | 398 d | 89 / 100 | Platinum Preferred Contractor endorsement; Donan/SDII wear-and-tear |
| ALLSTATE_CASTLE_KEY | Castle Key / Allstate (`ALL`) | 1,150 | 2 | $19,800 | $41,980 | 2.12x | 46.5% | 19.8% | 420 d | 88 / 100 | Strict 14-day continuous seepage exclusion; aggressive Xactimate depreciation |
| HCI_TYPTAP | Homeowners Choice / TypTap (`HCI`) | 3,102 | 8 | $28,120 | $50,050 | 1.78x | 38.4% | 21.0% | 376 d | 87 / 100 | Exzeo algorithmic desk-adjuster downward edits; $10k limited water cap |
| FIRST_PROTECTIVE | Frontline (`First Protective`) | 1,743 | 4 | $42,600 | $79,230 | 1.86x | 37.2% | 26.5% | 405 d | 86 / 100 | Coastal tile roof foot-traffic/thermal-expansion denials via Haag/SDII |
| AMERICAN_INTEGRITY | American Integrity Ins. | 3,190 | 6 | $27,890 | $46,020 | 1.65x | 36.9% | 19.4% | 364 d | 85 / 100 | Cosmetic roof exclusion, arbitration endorsement, <25% roof repair scope |
| FLORIDA_PENINSULA | Florida Peninsula / Edison | 980 | 2 | $27,100 | $46,340 | 1.71x | 38.9% | 20.4% | 372 d | 85 / 100 | Roof Surfacing Payment Schedule (`CLASS_20`); Managed Repair option |
| AMERICAN_SECURITY | American Security (`Assurant`) | 2,282 | 4 | $21,300 | $37,275 | 1.75x | 40.1% | 15.8% | 358 d | 84 / 100 | Lender-placed dual-interest certificate; no Coverage C/D |
| SECURITY_FIRST | Security First Ins. | 2,175 | 5 | $23,750 | $39,900 | 1.68x | 35.8% | 23.4% | 349 d | 83 / 100 | Limited Water Damage ($10k) + Roof Surfacing Schedule (`CLASS_20`) |
| SLIDE | Slide Insurance Co. | 2,390 | 5 | $31,200 | $51,170 | 1.64x | 36.2% | 24.8% | 342 d | 82 / 100 | Algorithmic desk-audit suppression of O&P and roof SQ |
| STATE_FARM_FL | State Farm Florida Ins. | 3,646 | 9 | $34,800 | $53,590 | 1.54x | 33.1% | 28.6% | 335 d | 80 / 100 | Tile-by-tile repairability arguments; contests matching (`§ 626.9744`) |
| TOWER_HILL | Tower Hill (`Prime`/`Select`) | 1,899 | 5 | $36,400 | $57,880 | 1.59x | 32.4% | 27.2% | 341 d | 79 / 100 | Invokes appraisal clause early; contests FBC 25% roof replacement threshold |
| AMERICAN_COASTAL | American Coastal (`ACIC`) | 612 | 4 | $2,783,095 | $8,023,970 | 2.88x | 34.0% | 48.5% | 490 d | 78 / 100 | Commercial 3%–5% per-building wind deductible; resolves via commercial umpire panels |
| ASI_PROGRESSIVE | ASI Preferred / Progressive | 2,487 | 5 | $30,150 | $44,920 | 1.49x | 29.8% | 25.0% | 318 d | 74 / 100 | Settles faster once PE moisture/wind causation report (`CLASS_13`) is served |
| KIN | Kin Interinsurance Network | 1,359 | 3 | $33,500 | $50,920 | 1.52x | 31.0% | 21.5% | 312 d | 72 / 100 | Drone/aerial pre-loss photo diffs; roof surfacing schedule on roofs >15 yrs |
| CHUBB_PURE_USAA | Chubb / PURE / USAA / Loggerhead | 485 | 2 | $84,500 | $114,075 | 1.35x | 18.5% | 31.0% | 245 d | 54 / 100 | Highest initial payout fairness; disputes center on high-end custom finish pricing |
| Ticker | Company Name | Category | Revenue / Earned Prem | Loss Ratio | Combined Ratio | Reinsurance Ceded | $/Door Benchmark | Cross-Reference Signal vs. Primary WORM Cluster `Tier-1` (`2025-10..2026-10` = `50,890` Dockets) |
|---|---|---|---|---|---|---|---|---|
| UVE | Universal Insurance Holdings | FL_CARRIER | $1,485M | 61.4% | 96.4% | 34.2% | — | 10,636 dockets (#1 in Primary WORM Cluster): Captive TPA Alder Adjusting fee extraction masks 1.94x underpayment spread in CLASS_09/CLASS_10 |
| ACIC | American Coastal Insurance | FL_CARRIER | $642M | 38.5% | 67.5% | 48.0% | $2,219 / door | Commercial COA monopoly: Reports 67.5% combined ratio while contesting commercial wind claims at 2.88x umpire multiplier |
| HCI | HCI Group (Homeowners Choice / TypTap) | FL_CARRIER | $782M | 52.8% | 84.0% | 36.5% | — | 3,102 dockets: Exzeo algorithmic desk-audit edits (`CLASS_09`) + Citizens depopulation (1.78x PA recovery multiplier) |
| HRTG | Heritage Insurance Holdings | FL_CARRIER | $815M | 58.2% | 91.0% | 41.0% | $2,180 / door | 3,006 dockets: Shrinks personal lines while raising commercial habitational rates +33% (1.88x PA recovery multiplier) |
| ALL | The Allstate Corp (Castle Key) | NAT_CARRIER | $58,400M | 66.8% | 93.0% | 12.4% | — | 1,150 FL dockets: Enforces 14-day seepage exclusion & Xactimate depreciation (2.12x recovery multiplier) |
| CB | Chubb Limited | NAT_CARRIER | $51,200M | 59.2% | 86.6% | 18.5% | — | HNW HO-5 Gold Standard: 86.6% combined ratio; lowest litigation friction (54/100 difficulty, 1.35x multiplier) |
| VRSK | Verisk Analytics (Xactware / ISO) | DATA_MONOPOLY | $2,890M | — | 54.8% EBITDA | — | — | Pricing Monopoly Proof: 54.8% EBITDA margin selling Xactimate price lists that lag real FL CLASS_15 subcontractor bids by 24%–138% |
| CRD | Crawford & Company (WeGoLook) | TPA_FORENSIC | $1,295M | — | — | — | — | Desk/field TPA fee per file shows why CLASS_10 field scopes omit hidden moisture & code upgrades |
| EXPO | Exponent, Inc. | TPA_FORENSIC | $558M | — | — | — | — | High-end defense forensic engineering benchmark ($375–$550/hr) in ≥$5M commercial litigation |
| NVEE | NV5 Global, Inc. | TPA_FORENSIC | $942M | — | — | — | — | Building envelope, MEP, and structural forensic benchmark in South FL condo recertifications (`SB 4-D`) |
| BRO | Brown & Brown, Inc. | BROKER | $4,820M | — | 35.2% EBITDA | — | — | Daytona Beach FL brokerage giant (Arrowhead/Wright); prime benchmark for B2B2C Producer Flywheel |
| AJG | Arthur J. Gallagher (Risk Placement) | BROKER | $11,450M | — | — | — | — | Controls RPS surplus-lines E&S bindings (`Falls Lake`, `Lexington`, `Trisura`, `QBE`) |
| FSV | FirstService Corp (FirstService Res. / Paul Davis) | PROP_RESTORE | $5,210M | — | — | — | — | Manages 9,000+ COA/HOAs and owns Paul Davis + Roofing Corp of America (`CLASS_15`/`CLASS_16`) |
| MAA | Mid-America Apartment Communities | MF_REIT | $2,190M | — | — | — | $610 / door | Institutional Sunbelt REIT (102k units) pays $610/door vs. $2,150–$3,598/door on middle-market FL MF (3.5x spread!) |
| CPT | Camden Property Trust | MF_REIT | $1,560M | — | — | — | $645 / door | Tampa/Orlando/South FL REIT (58k units) $645/door benchmark vs. middle-market FL commercial policies |
| IRT | Independence Realty Trust | MF_REIT | $665M | — | — | — | $590 / door | Class B Workforce Multifamily (33k units) $590/door insurance expense benchmark |
| NXRT | NexPoint Residential Trust | MF_REIT | $282M | — | — | — | $895 / door | Heavy South FL/Tampa value-add footprint ($895/door); ideal benchmark for 100–250 unit FL properties |
| BRT | BRT Apartments Corp. | MF_REIT | $98M | — | — | — | $1,040 / door | Smaller JV multifamily properties ($1,040/door); confirms standalone LLCs pay 2x–3.5x institutional REIT rates |
| Catalog ID | Group | Product / Trade / Moat Name | Primary WORM Cluster Source Spans | Extracted Proprietary Signal & Spread | Target Buyer Persona | Pricing & Gross Margin |
|---|---|---|---|---|---|---|
| PBOX-BUCKET-01 | 10 BUCKETS | Policy Dec & Endorsement Rate Moat | CLASS_18..20 (5,910 spans) | Carrier, Form, Total Premium, Cov A/B/C/D, Wind % Ded., $/Door, $/SF, Water Cap, Roof Schedule | Commercial Insurance Producers (`BRO`, `AJG`), Multifamily Syndicators | $500/mo SaaS + $1,500/dossier (92% GM) |
| PBOX-BUCKET-02 | 10 BUCKETS | Carrier-vs-Award Line-Item Delta Matrix | CLASS_04, CLASS_10, CLASS_11 (8,428 spans) | Xactimate Code, Carrier Initial $, PA Claimed $, Neutral Umpire Award $, O&P Recovery % | Public Adjusters, First-Party Plaintiff Law Firms, Appraisal Umpires | Quest PA #W573247 (10%–20%) + $2,500/audit (94% GM) |
| PBOX-BUCKET-03 | 10 BUCKETS | Neutral Umpire & Appraiser Scorecard | CLASS_04 (1,313 spans / 878 PDFs) | Umpire Name, Carrier Appraiser, Insured Appraiser, Split-the-Baby Ratio %, Days to Award | First-Party Property Litigators, Public Adjusters, Carrier Panel Counsel | $350/dossier or $995/mo Subscription (95% GM) |
| PBOX-BUCKET-04 | 10 BUCKETS | PE / Forensic Engineer Daubert Ledger | CLASS_12, CLASS_13, CLASS_17 (9,627 spans) | PE Name, Firm (Donan, SDII, Haag), Denial Boilerplate Reuse %, Prior Deposition Contradictions | Plaintiff Trial Counsel, Public Adjusters, Daubert Motion Drafters | $1,250/expert impeachment packet (93% GM) |
| PBOX-BUCKET-05 | 10 BUCKETS | Desk Adjuster Revision & TPA Audit Log | CLASS_09 (273), CLASS_05 (2,744) | Field Adjuster Original Scope $ vs. Desk Adjuster Revised $ (`Alder`/`Exzeo`), Deleted Lines | Bad-Faith (`§ 624.155`) Trial Attorneys, Market Conduct Auditors | $3,500/bad-faith binder + Fee Share (91% GM) |
| PBOX-BUCKET-06 | 10 BUCKETS | 90-Day X-Date & Roof Non-Renewal Feed | CLASS_18, CLASS_20, CLASS_21 (3,430 spans) | Policy Expiration Date (`X-Date`), Roof Permit Year (`2006`), Remaining Useful Life (`≥5 Yrs`) | Independent Insurance Producers, Commercial Roofers, Licensed Inspectors | Reciprocal Claim Flywheel ($0 CAC) + $150–$400/lead (90% GM) |
| PBOX-BUCKET-07 | 10 BUCKETS | Distressed Multifamily / COA CapEx Radar | CLASS_01, CLASS_07, CLASS_12 (47,907 spans) | Properties with >$500k Denied/Underpaid Roof or Structural Claims + `SB 4-D` Milestone Deadlines | Multifamily Acquisitions (Servio Bolt-On Engine), Distressed Debt Funds | Internal Equity ($500k–$3M/deal) + $2,500/mo Terminal (96% GM) |
| PBOX-BUCKET-08 | 10 BUCKETS | Water Mitigation & Mold Protocol Rates | CLASS_14 (1,413), CLASS_16 (1,429) | Approved Dehumidifier/Air Mover Days, HEPA Scrubber Rates, IICRC S500/S520 Clearance Allowance | Water Mitigation Contractors, CIH Labs, Restoration Networks (`FSV`) | $750/mo Restoration Rate Defense Subscription (91% GM) |
| PBOX-BUCKET-09 | 10 BUCKETS | Spatial Sketch & Roof SQ Arbitrage Index | CLASS_22 (6,612), CLASS_23 (5,084) | EagleView/Hover Net SQ (`41.72 SQ`), Waste Factor %, Valley/Hip/Drip-Edge LF vs. Carrier Paid SQ | Roofing Estimators, Public Adjusters, Aerial Measurement Auditing Teams | $99/sketch-vs-estimate audit (93% GM) |
| PBOX-BUCKET-10 | 10 BUCKETS | Carrier Pre-Suit NOI & Settlement Curve | CLASS_05 (2,744), CLASS_06 (7,569) | Carrier 90-Day Cure Rate on `§ 627.70152` NOIs, Median Settlement % of Claimed RCV by Judge | Litigation Finance Funds, Plaintiff Law Firm Managing Partners, PAs | $2,000/mo Institutional Litigation Feed (94% GM) |
| PBOX-TRADE-01 | ALL-TRADES | Roofing (`Shingle, Tile, Metal, TPO`) | CLASS_15 (3,589), CLASS_10, CLASS_23 | Xactimate `$485/SQ` Shingle & `$1,120/SQ` Tile vs. Executed Sub Invoice: `$665/SQ` Shingle & `$1,680/SQ` Tile (+37% to +50%) | Commercial/Residential Roofers, Public Adjusters | $495/mo Regional Sub-Bid Proof Pack (92% GM) |
| PBOX-TRADE-02 | ALL-TRADES | Impact Windows, Doors & Storefront Glazing | CLASS_15, CLASS_10, CLASS_21 | Xactimate `$1,150/opening` vs. Executed `165 mph` WBDR Miami-Dade NOA Sub Bid: `$1,890/opening` (+64.3%) | Impact Window Dealers, High-Rise COA Engineers, PAs | $395/mo NOA Glazing Book (91% GM) |
| PBOX-TRADE-03 | ALL-TRADES | HVAC, Chiller & Mechanical Systems | CLASS_15, CLASS_10 | Xactimate `$6,400` (4-Ton Split) vs. Executed FL Mechanical Contractor Invoice (Crane, Curb): `$9,850` (+53.9%) | Mechanical Contractors, Multifamily Asset Managers | $350/mo MEP Benchmark (90% GM) |
| PBOX-TRADE-04 | ALL-TRADES | Plumbing, Cast-Iron Trenching & Repipe | CLASS_15, CLASS_10, CLASS_13 | Xactimate `$185/LF` slab trench vs. Executed FL Master Plumber Sub Bid (Hydro-Jet, Terrazzo): `$340/LF` (+83.8%) | Master Plumbers, First-Party Water-Damage Law Firms | $495/mo Cast-Iron Pack (93% GM) |
| PBOX-TRADE-05 | ALL-TRADES | Electrical, Service Panels & Fire Alarm | CLASS_15, CLASS_10 | Xactimate `$2,450` (200A Panel) vs. Executed FL EC Invoice (`NEC 2023` AFCI/GFCI + Fire Alarm): `$4,200` (+71.4%) | Electrical Contractors, Commercial COA Restoration GCs | $350/mo NEC Benchmark (90% GM) |
| PBOX-TRADE-06 | ALL-TRADES | Stucco, Spalling, Seawall & Structural (`SB 4-D`) | CLASS_15, CLASS_12, CLASS_04 | Xactimate `$18.50/SF` stucco vs. Executed FL Structural Restoration Bid (Post-Tension, Shoring): `$44.00/SF` (+137.8%) | Condo Associations (`SB 4-D`), Structural Engineers, Marine GCs | $995/mo Structural Book (94% GM) |
| PBOX-TRADE-07 | ALL-TRADES | Interior Drywall, Millwork & Flooring (`§ 626.9744`) | CLASS_15, CLASS_10, CLASS_11 | Carrier Single-Room Patch vs. Full-Sightline Contiguous Floor/Wall/Cabinet Matching (+115.0% Scope) | Interior Restoration GCs, High-Net-Worth (`HO-5`) PAs | $395/mo Matching Proof Pack (92% GM) |
| PBOX-TRADE-08 | ALL-TRADES | Mold, Asbestos, Lead & Fire Soot (`IICRC`) | CLASS_14 (1,413), CLASS_16 (1,429) | Carrier `$10,000` Mold Cap Position vs. Executed IICRC S500/S520 Protocol under Water Tear-Out (+180.0%) | Environmental Remediation GCs, CIH Hygienists | $595/mo IICRC Rate Ledger (93% GM) |
| PBOX-MOAT-01 | 6 DOCKET MOATS | CRE Loan Maturity, Foreclosure & CMBS Default Radar | Commercial Foreclosure & Receiver Filings | Default Interest Rate, Maturity Date, DSCR, Unredacted Rent Roll & Property Management Agreement | CRE Private Equity (Servio Acquisitions), Bridge Lenders | Internal Acquisition Alpha + $2,500/mo Feed (96% GM) |
| PBOX-MOAT-02 | 6 DOCKET MOATS | FL `Ch. 558` Construction Defect & Developer Warranty | Ch. 558 Notices & Turnover Engineering Audits | GC & Subcontractor Defect Frequency by Trade, Settlement Payout $/Unit at Condo Turnover | COA/HOA Boards, Construction Defect Plaintiff Firms | $1,500/developer dossier (94% GM) |
| PBOX-MOAT-03 | 6 DOCKET MOATS | FL Condo Termination & `SB 4-D` Bulk-Buyout Tracker | Receiver Petitions & `§ 718.117` Termination Filings | Unfunded SIRS Reserve Per Unit ($), Delinquency %, Bulk-Buyer Termination Threshold (80% vote) | Coastal Condo Bulk Developers, Distressed Condo Bridge Lenders | $3,000/mo Coastal Termination Feed (95% GM) |
| PBOX-MOAT-04 | 6 DOCKET MOATS | Med-Mal, Mass-Tort & Life-Care Expert Impeachment | Daubert Motions, Expert Invoices & Life-Care Plans | Expert Hourly Rates ($600–$1,500/hr), Prior Excluded Testimony Orders, Life-Care Surgery Pricing | AmLaw 200 Defense Firms, Mass-Tort Plaintiff Counsel | $1,000/expert impeachment dossier (93% GM) |
| PBOX-MOAT-05 | 6 DOCKET MOATS | Private M&A Working-Capital & Earnout Multiples | Chancery & Federal Diversity Post-Closing M&A Suits | Private-Company EBITDA Multiples (4.5x–11.2x), Working-Capital Pegs, R&W Indemnification Payouts | Lower-Middle-Market PE Funds, M&A Bankers, R&W Insurers | $2,000/mo Private M&A Comps Feed (95% GM) |
| PBOX-MOAT-06 | 6 DOCKET MOATS | Bankruptcy `Ch. 11` Vendor & Lease Cure Comps | 11 U.S.C. § 365 Cure Schedules & Stalking-Horse APAs | Unredacted SaaS/Vendor Contract Pricing, Commercial Lease Cure Amounts ($/SF), Equipment Values | Distressed M&A Buyers, Turnaround Advisors, Enterprise Procurement | $1,500/mo Ch. 11 Contract Comps (94% GM) |