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[withheld] — A longitudinal insurer-level scorecard that joins carrier premium and rate-change history with claim-outcome and complaint behaviour, scored per carrier per state and geography, and sold back as three-year consumer report cards on which home and auto insurers give the best value on price, protection and service. Its differentiating layer is a policyholder-level view of whether a carrier actually paid and protected after past storms, benchmarked against competitors.. Micro-scale operator (single-digit headcount, founder-led) sitting on an unusually deep national dataset: millions o…