Name
UNSEEN: “Something New” Emerges from a Florida Swamp: How a Covert Business Model Was Exposed
Date & Time
Tuesday, November 10, 2026, 9:00 AM - 10:45 AM
Joseph Petrelli Todd Kozikowski
Description

Joseph L. Petrelli, President and Co-founder, Demotech, Inc.

Favorable actuarial opinions and “clean audits” failed to identify industrial-scale growth in new litigated claims targeting several carriers. Demotech’s postmortem analysis and subsequent research moved the issue from the rearview mirror to the front windshield, providing new insight into an emerging litigation model and its implications for insurers.

The “Something New”: Its Tentacles and Implications

Todd Kozikowski, CEO, 4WARN, Inc.

What began with preliminary observations in Florida led to evidence of similar activity in other states. Research into what has been described as “tech-enabled litigation instigation” suggests a business model with implications extending well beyond Florida. This session will examine what has been discovered since the original research and what insurers should understand about its continued evolution.