The Insurance Professor grounds every response in verified public-domain regulatory content. This page documents the current state of that corpus, the methodology that maintains it, and the verification mechanisms that govern how corpus content reaches users.
Q2 2026 Report · Published May 1, 2026 · Updated quarterly
Florida is the platform's most exposure-relevant state. Hurricane season opens June 1; the state's HB 837 tort reform (2023), AOB reforms (2022), and post-Ian regulatory environment have made Florida P&C insurance among the most consumer-relevant regulatory landscapes in the country. The platform has invested deepest in Florida coverage as a result.
The Florida statutory corpus contains 222 chunks across 18 distinct canonical citations. Each citation traces to an official Florida Statutes section published at flsenate.gov.
What the Florida corpus does not yet contain. The state's flood-insurance regime (federal NFIP) is not in scope for state-statute scraping. Citizens Property Insurance enabling statute (§627.351(6)) is identified as the next FL corpus expansion target. Genuine public-adjuster apprenticeship and adjuster-disciplinary statutes (likely §626.611 and adjacent sections) are tracked as remaining gaps.
The corpus's existence is necessary but not sufficient. The platform must also ensure that responses delivered to users actually cite content the corpus actually contains. Three mechanisms govern this.
This section documents content-change events processed during the period. The platform commits to publishing this section in every quarterly report.
140 chunks removed. 95 chunks from leg.state.fl.us (pre-migration URLs after Florida Senate moved to flsenate.gov), and 45 chapter-level chunks from flsenate.gov/Laws/Statutes/2024/Chapter627/All that lacked section-precision needed for citation verification.
After corrections and deletions, the Florida statutory corpus contains 222 chunks, all of which trace to canonical flsenate.gov source URLs and all of which carry a single, accurate canonical citation reference.
The citation verification layer described in section 04 was implemented and deployed during Q2 2026. Prior to this work, a placeholder verification function existed in the platform code but its implementation was incapable of catching mislabel-type errors. The five mislabel corrections above are exactly the failure mode the new layer is designed to prevent in production.
The corpus does not yet contain comprehensive coverage for many states. Of fifty states plus territories, 27 have active scrapers. State-by-state expansion is paced by scraper development, not by user demand alone, because building a low-quality scraper that pulls inaccurate content would be worse than having no scraper at all.
Some chunks lack a scraped_at timestamp. 62 chunks (0.6% of corpus) do not have provenance timestamps. The verification layer treats these chunks as stale and removes any citation that depends on them. Backfilling these timestamps is in the operational backlog.
The verification layer catches fabrication and staleness, not misinterpretation. A response may correctly cite a real, current statute while mischaracterizing what that statute requires. This failure mode is mitigated but not eliminated.
Some state DOI websites block automated access. Where alternative-source content is insufficient, the relevant state's coverage is shallower than it would otherwise be.