PolicyGuide US — Official Insurance Policy Audit & Compliance Report

Verified National P&C Regulatory Framework • Generated for Policyholder Record

Statutory Regulatory Framework 50-State Checklists

State Compliance & Annual Policy Audit Checklist

Perform an interactive regulatory audit of your insurance policies. Verify compliance with Florida hurricane mandates, California wildfire brush standards, and national asset protection thresholds.

Audit Progress: 0 / 6 Verified Action Required

📋 Why an Annual Insurance Audit Protects Your Family

Property and casualty laws change every legislative session. Between 2023 and 2026, Florida enacted landmark tort and roof repair reforms, while California raised its statutory auto bodily injury minimums for the first time in over 50 years (SB 1107).

Catastrophe Deductibles: A 2% hurricane or named storm deductible on a $500,000 home equals a $10,000 out-of-pocket requirement before your policy pays a cent.
Wildfire Non-Renewal Defense: Maintaining documented 100-foot defensible brush clearance qualifies homeowners for mandatory discounts under California's Safer from Wildfires regulation.
Inflation Guard & Dwelling Coverage A: Escalating building material prices mean a home insured for $350,000 five years ago could cost $500,000+ to rebuild today.