Property loss ratios are high. Seventy five percent of all property claim litigation in the USA comes from Florida. Florida is where all the cutting edge strategies to take advantage of the insurance industry originate. And now there is astronomical construction inflation due to a pandemic. Insurers’ are beginning to turn more to contractor networks and seek material discounts; a few are even exercising the standard ‘right to repair/rebuild’ clause in policies. The dreaded liability concern from getting involved in repairs/rebuild beyond check issuance looms large. Once an insurer decides to support rebuild/repair they are now part of one of the largest and least productive industries in the world – construction. Eighty years without productivity improvements, the longest accounts receivable, and the least access to working capital on any industry in the world are all problems that are especially costly for check-writing insurers. Polished Rock knows construction, catastrophes, supply chain, Florida, and demand surge. We know what needs to be done to achieve meaningful, sustainable advantages for insurers, reinsurers, and insured customers and we’ve proven it.