Loss Control Intelligence · Florida Personal Lines
$20.7M
In modeled avoided losses · 100,000 policyholders · one deployment
South Florida loss ratios are running at 87¢ on the dollar.
The average wind claim costs $18,000. Independent research shows prepared households file 23% fewer claims.
exitPlan deploys AI-powered home preparedness to your book of business. The investment is $3.00 per policyholder. The math is straightforward.
South Florida loss ratio · personal lines wind
87%
87 cents in claims for every dollar of premium collected. The Florida market is under structural pressure.
Average wind & water damage claim · Florida
$18,000
Each claim represents a policyholder who wasn't prepared to act before impact.
Claim reduction · prepared vs. unprepared
23%
Comparing households with documented, personalized plans against generic guidance.
The Calculation
A 69× return on loss prevention investment.
Model assumes 5% wind claim frequency for an active hurricane season, $18,000 average claim cost, and 23% claim reduction based on independent preparedness research. Conservative estimates throughout. Actual outcomes depend on policyholder engagement rates and season severity. This model is provided for illustrative purposes and does not constitute an actuarial guarantee.
Carrier Deployment
Three steps from contract to live policyholders.
Deploy
exitPlan integrates with your policyholder portal, email program, or mobile app via API — or runs as a standalone white-label campaign under your carrier brand. Minimal technical lift. Most carriers are live within two weeks of contract execution.
Engage
Policyholders scan their home on a smartphone in 15 minutes. The AI identifies exits, hazards, and property-specific vulnerabilities — not generic checklists. A personalized emergency plan is generated immediately. Built-in desktop-to-mobile handoff removes friction.
Measure
Your carrier dashboard shows completion rates by ZIP code, property type, and risk tier. Aggregate preparedness scores. Hazard frequency mapping. Full reporting designed to correlate directly against your claims data for actuarial validation at 90 days.
The Pilot Offer
500 policyholders. 90 days.
Full reporting included.
The Florida home insurance market isn't recovering on its own timeline. Carriers who remain are competing on execution — tighter underwriting, precise risk selection, and loss prevention programs that actually move loss ratios.
exitPlan is built for the Florida threat profile: wind exposure, flooding risk, and the reality that most policyholders have never walked through what they'd actually do when conditions deteriorate. The AI doesn't give them a federal checklist. It gives them a plan for their specific home.
We're not asking for a procurement commitment. We're asking for 90 days and 500 policyholders to prove the outcome. If the claims correlation data doesn't support the model, you've spent $1,500 on a reporting package.
Pilot cohort size
500 policyholders
Pilot duration
90 days
Target completion
35%+ engagement
Time to live
~2 weeks
Reporting package
Included
White-label branding
Included
What's included in the pilot
- 500-policyholder cohort deployment and management
- White-label customization under your carrier brand
- Carrier dashboard — aggregate risk and completion reporting
- ZIP code and property-type preparedness mapping
- 90-day engagement and completion analytics
- Claims correlation report at pilot conclusion
- Data processing agreement and privacy documentation
- Direct access to the founding team throughout the pilot