Solutions
FilingFocus for actuaries
Find any rate factor across filed manuals and pull it into a spreadsheet.
How actuaries use FilingFocus
Rate work needs the numbers behind the change: base rates, relativities, loss cost multipliers and the factor tables carriers file in their manuals. Rate pages are indexed on their own, so a factor can be found across every carrier’s manual and pulled out as data.
Filter rate filings by change
Requested and approved overall change by carrier, state and line, with effective dates and disposition.
Find current and historical rate manuals
Every filed edition of a carrier’s manual, so a factor can be tracked back through each revision.
Extract rate data from PDFs into a CSV
Relativities, LCMs, base rates and factor tables, pulled from the filed pages into a spreadsheet.
Turn nine rate manuals into one CSV
Name a factor and a market, and get it pulled from every filed manual into one table you can download.
With the FilingFocus Agent
Question
Pull the protection class relativities from every homeowners rate manual filed in Texas in the last two years and put them in a CSV.
Find the homeowners rate filings in Texas from the last two years.
Filing summaryhomeowners rate filings, TX, filed since 202411 filings, 9 carriersFind the protection class table in each manual.
Rates and rulesprotection class relativity tables on those filingstables on 9 manualsExtract each table into rows and line up the classes.
Rates and rulesextract the 9 tables, align on protection class9 carriers × 10 classes
Answer
| Carrier | Manual ed. | PC 1 | PC 5 | PC 9 | PC 10 |
|---|---|---|---|---|---|
| Carrier A | 01 26 | 1.00 | 1.12 | 1.65 | 2.10 |
| Carrier B | 03 26 | 1.00 | 1.10 | 1.58 | 1.95 |
| Carrier C | 07 25 | 1.00 | 1.15 | 1.72 | 2.25 |
Showing three of nine carriers.
CSV ready: nine carriers, ten protection classes, with the manual edition each came from1. Relativities for PC 10 range from 1.95 to 2.25; two carriers also vary by construction type, kept as separate rows2. Carrier D’s 2024 manual was superseded in 2025, so both editions are included and flagged3.
Citations
- 1Protection class relativity tables from nine Texas homeowners rate manuals, 2024 to 2026.
- 2Carrier C and Carrier G manuals, protection class by construction tables.
- 3Carrier D homeowners rate filings, TX, 2024 and 2025, rate pages.
What the answer is built from
Overall rate change is a field on the filing summary, so filings can be filtered by requested and approved change before any manual is opened. Rate pages are indexed page by page and every filed edition of a manual is kept, so a factor can be found in the current manual and traced back through prior revisions.
Where it sits in the filing
Filing summary
Requested and approved change, effective dates and disposition on rate filings.
- Filing at a glance
- Objection letters
- Response letters
- Dispositions and amendments
Forms
Policy forms and endorsements when the filing carries them.
- CM 99 06, ed. 12 19Endorsement
- CM 99 05, ed. 12 19Endorsement
- Each keyed by number and edition, tagged by type
Rates and rules
Rate pages and factor tables, every filed edition, searchable on their own.
- Rule exception pages
- Rate tables
- Manual index
Supporting documents
Actuarial memos, indications and exhibits, page by page.
- Forms certification
- Loss cost adoption
- Checklists
Browse the public library: Insurance carriers · Lines of business
Try it on a rate factor
Name a factor, a line and a state and we will extract it with you in a demo.
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