50-state regulatory research in minutes: every state answered side by side, each with the rule that says so
Every state answered side by side, each with the statute that says so.
See one case, screen by screen ↓It is answering one regulatory question — a claim clock, a notice period, a filing requirement — for every state and DC, with the rule behind each answer. 50-State Regulatory Research does the reading with agents and returns a map and a table: each state yes, no or with conditions, each cited to the statute, regulation or bulletin in force.
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Claims, underwriting, product and servicing keep asking compliance the same kind of question: how many days do we have to acknowledge a claim, how much notice must a nonrenewal give, can a cancellation notice go by email alone — in every state. Insurance is regulated state by state, and a model law is adopted with local edits, so one NAIC model rule becomes 51 different rules.
So each answer is a fresh trawl through 51 codes and regulations, then the bulletins and emergency orders that modify them, then the company's own interpretation memos. The result lands in an email or a spreadsheet with no link back to the rule. When a state amends its rule, the old answer keeps circulating — and an examiner tests the claim file against the state rule, not against the memo. An acknowledgment clock set to 15 days fails in a state that requires 7.
Estimated split for one 50-state question, by hand and with the solution, sized to the working solution's Requests screen: a median of 1.6 days to answer over the last 90 days, against 9 working days before. Most of what remains is review and counsel sign-off.
Six specialist agents frame the question, read 51 jurisdictions, place and check every state and watch for changes; the analyst accepts and counsel signs.
Larkspur Mutual's new claims platform will default to 15 calendar days to acknowledge a homeowners claim. Is that enough everywhere? Here is what happens next, screen by screen, in the working solution.
Marcus files RQ-2291, due Friday 16 October. It sits in Requests beside questions from product, underwriting, special investigations, servicing and legal. Two of those are already matched to saved answers, SA-097 and SA-079, and wait on their review instead of starting from a blank page.
“Our new claims platform will default to 15 calendar days to acknowledge. Is 15 days enough everywhere we write? Where isn't it?”
Dana types the question and presses Ask all 51. The question framer turns it into a test every state can be measured against: Homeowners, First party, Notice → acknowledgment, our standard 15 calendar days, as of 12 Oct 2026. The state researcher starts reading, and the map fills in as each state is placed.
“51 codes · 64 regulations · 109 bulletins and orders · 2 NAIC models · 12 Larkspur memos”
Twenty states say yes, 15 calendar days meets the rule. Thirteen say no — the state needs it faster. Eighteen set no fixed count, or it depends. Each tile carries its rule in short (Florida 7 d, Washington 10 bd, Pennsylvania 10 wd), and the citation checker has checked 51 of 51 citations against the version in force.
“Every state cited. Version in force on 12 Oct 2026.”
Washington requires acknowledgment within 10 business days under WAC 284-30-360(1). The classifier shows its working: notice received Mon 12 Oct, plus 10 working days is Mon 26 Oct, day 14. A 15-day default lands on Tue 27 Oct — late by one day, unless a state holiday falls in the window.
It never rounds a condition up to a yes.
Washington, New Jersey, Colorado, Louisiana and Florida carry a heavy outline: each had a rule amendment, emergency rule or bulletin in the last 12 months. Changed only fades the rest of the map so Dana can read the five on their own.
“Compared with the saved answer of 4 Mar: Colorado moved, 12 → 13.”
One toggle re-colours the map to the answer saved on 4 March under counsel memo CM-2026-014. Then, 12 states said no and 19 had conditions. The difference is a single tile: Colorado.
“As saved on 4 Mar 2026: 12 states said No. One state has moved since — Colorado, where an amended rule set 10 calendar days from 1 Jul 2026.”
The state page highlights the governing passage of Regulation 5-1-14 §5 — acknowledge a residential property claim within 10 calendar days, for claims first reported on or after 1 July 2026. The history shows the rule before it: the statute's “reasonably prompt” standard. Larkspur's own memo sits beside the rule, never in place of it, marked out of date since 1 Jul 2026.
The change watcher had already marked the March answer “Needs review” on 1 July, the day the Colorado rule took effect. Dana accepts the new answer as SA-118 v2. Version 1 is kept as replaced, and the difference between the two is laid out state by state: Colorado, Washington, Louisiana, Florida, New Jersey.
“12 states became 13.”
The brief writer drafts a memo to Marcus from the signed answer: option 1, a 7-calendar-day national default that meets every state including Florida; option 2, keep 15 days and add 13 state clocks. The citation checker confirms 18 of 18 citations match the answer. Renata signs at 10:02, and Dana sends it at 10:06.
The brief writer never sends — counsel signs first.
Each night the watcher reads amendments, bulletins and emergency rules from 51 departments and matches them to the sections saved answers cite. Over the last 12 months: nine changes, four needing review — a Connecticut statute on electronic delivery of notices puts SA-097 back in front of Dana, and an Ohio renumbering flags SA-079.
One question, seen by the four people it passes through — what their week looked like, and what it looks like now.
Six specialist agents frame the question, read 51 jurisdictions, place and check every state and watch for changes; the analyst accepts and counsel signs.
Turns a plain-words question into a precise test — line, claim type, the event that starts the clock, the company's standard, calendar or business days.
Reads each jurisdiction's code, regulations, bulletins and orders, plus the company's memos, and returns the passage that governs in the version in force on the as-of date.
Places each state yes, no or conditions against the test, converting working and business days with the state's own holiday calendar.
Re-reads every cell against its passage and confirms the cited version is in force on the date asked.
Reads registers, bulletins and emergency orders every night, outlines changed states and re-checks the saved answers that cite them.
Writes the memo for the business from a signed answer: the short answer, the options, the states that differ and what will be watched.
Accepts the answer; regulatory counsel signs before the business sees it. The agents propose; a named person decides.
Analysts and counsel can ask about any state, any saved answer or any change — or have it draft the brief. When it cannot find a passage it can stand behind, it adds the question to Requests instead of guessing.
Which states changed their acknowledgment rule this year?
Five, all outlined on the map. Colorado is the one that moves the answer: an amended rule sets 10 calendar days from 1 July 2026. Washington changes “working days” to “business days” on 18 October. Louisiana added a 30-day catastrophe window in 11 parishes; Florida and New Jersey issued bulletins that do not change the answer.
What does our March answer get wrong now?
One state. Counsel memo CM-2026-014 of 4 March counted 12 states where 15 days is too slow and put Colorado under “no fixed count”. Since 1 July Colorado sets 10 calendar days, so today it is 13.
Show me Washington's rule and what the amendment did
WAC 284-30-360(1): acknowledge within 10 business days for an individual policy, 15 under a group contract. WSR 26-17-089, filed 18 August, replaces “working days” with “business days” from 18 October. The count is the same, so Washington stays a “No” for a 15-day default.
Draft the brief for Marcus with the 13 states
The brief is drafted from SA-118 v2: the short answer, a recommended 7-day national default that meets every state including Florida, the 13 states with their citations, and what we will watch. It waits for Renata Ibarra's signature before it can be sent.
13 screens from the working solution, on its sample data. Pick one to see it large.
What the research covers, how answers are placed, who signs and when an answer is re-checked are settings, not projects.
| Setting | Default | Choose from |
|---|---|---|
| Jurisdictions | 50 states and DC | 50 + DC · Add territories |
| Lines of business | Homeowners, personal auto, dwelling fire, commercial property | + Add |
| Business-day calendar | 51 state calendars, 2026 | Skips weekends and each state’s own holidays |
| “Conditions” means | No fixed count, a working-day count that depends on holidays, or an exception that changes the answer | Edit |
| Company memos | Beside the rule | Beside the rule · Hidden |
| Before an answer reaches the business | Analyst accepts; regulatory counsel signs | Renata Ibarra, Regulatory counsel |
| When a cited rule changes | Re-check and mark | Re-check and mark · Mark only |
| Flag answers older than | 180 days | 90 days · 180 days · 1 year |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample data · “estimated” = our estimate · “typical” = published figures (NAIC: 56 member jurisdictions). Sources: NAIC Unfair Property/Casualty Claims Settlement Practices Model Regulation §6–7 · WAC 284-30-360 (WSR 26-17-089) · Fla. Stat. §627.70131. In the working solution, the Washington, Florida, Texas, New York, Pennsylvania and NAIC model figures were checked against the primary text when it was built; other state rows, the Colorado amendment and the bulletins are sample data. People and companies named on this page, including Larkspur Mutual, are fictional — characters and sample data in the working solution.
It is answering one regulatory question — a claim clock, a notice period, a filing requirement — for every state and DC, with the rule behind each answer. 50-State Regulatory Research does the reading with agents and returns a map and a table: each state yes, no or with conditions, each cited to the statute, regulation or bulletin in force.
The question is framed as a precise test first — line, claim type, the event that starts the clock, your standard. Each state's governing passage is compared to it, working and business days are converted on the state's own calendar, and the arithmetic is shown. A rule with no fixed count, or one where holidays or an exception decide the answer, is placed as conditions, never rounded up to a yes.
The change watcher reads registers, bulletins and emergency orders every night. When a rule a saved answer cites changes, that answer is re-checked the same night; if a state moves, the answer is marked “Needs review” and a new version is proposed. A signed answer is never edited — the new version replaces it and the old one is kept.
Yes. Side by side lays out claim-handling clocks — acknowledge, reply, begin the investigation, accept or deny, the letter while more time is needed, pay — for the states you pick against the NAIC Unfair Property/Casualty Claims Settlement Practices Model Regulation, with tighter cells highlighted and every cell cited.
Yes. Your memos are read and shown beside the rule they interpret, never in place of it. That way an out-of-date memo is visible: in the working solution, the March memo's Colorado answer is marked out of date since the amended rule took effect.
No. The agents never give advice to the business directly, never file and never send. The compliance analyst accepts each answer, regulatory counsel signs it, and the brief for the business goes out only after that signature, with no advice beyond the rules cited.
Yes. The agents frame, read, place and check; the analyst decides whether to accept, counsel signs, and both can open any state to the passage and the arithmetic behind it. Every question, passage read and decision is written to the record.
The Agentic Solution Engine builds and deploys it from your requirements — your jurisdictions and lines, your sources, your interpretation memos and your sign-off rules — and it goes live once every quality gate has passed. We will walk you through it on one of your own 50-state questions first.
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