In Florida’s competitive insurance market, St. Petersburg’s Patriot Select is leveraging artificial intelligence (AI) to enhance its operations and customer acquisition. Having established itself as a new player following recent insurance reforms, the company has rapidly grown its customer base—targeting approximately 26,000 policies this year through the Citizens Property Insurance “depopulation” process. CEO John Rollins emphasizes the integration of AI in their underwriting process, providing quick and accurate coverage decisions. The company utilizes openly accessible data, including aerial footage and real estate images, to evaluate roof conditions, making underwriting more efficient. However, state lawmakers are scrutinizing AI’s role, advocating for human oversight particularly in claim denials. With 73% of insurers prioritizing AI investment, Rollins reaffirms Patriot Select’s commitment to responsible AI use, ensuring human reviewers are involved in final decisions related to claims. This aligns with the ongoing legislative efforts to regulate AI in Florida’s insurance landscape.
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