CTTN is an independent, evidence-based network that measures how homeowners insurers actually handle claims — inspection times, settlement times, denial reasons, enforcement actions, and verified consumer experiences. No marketing language. Just the record.
Independent · Evidence-based · Open data
Marketing copy, cherry-picked ratings, curated testimonials.
Measured times, complaint data, named denial reasons, source-linked reports.
Eight categories. Every value source-linked. Every carrier held to the same schema.
Days from first notice of loss to adjuster inspection, by state and peril.
Days from inspection to first payment, closure, or supplemental settlement.
Named grounds cited in denial letters, categorized and counted.
State DOI orders, fines, market conduct exams, and consent decrees.
NAIC complaint index tracked over time, normalized by premium volume.
Filed cases naming the insurer, by court, cause of action, and outcome.
Verified first-person claim reports with supporting documentation.
Plain-language explainers of the process, your rights, and what to document.
CTTN is pre-launch. We're currently researching and verifying the first 10–15 homeowners insurers, and the dataset will expand over time. Early access members get first access to the data — and help shape which carriers, states, and metrics we track first.
Homeowners insurance is one of the largest financial commitments a household makes — and one of the least transparent when it matters most. CTTN exists to change that. We measure how insurers actually perform when a claim is filed, publish the record with sources, and make the data usable by the people it affects and the people who study the industry.
Better data. Better claims. Better outcomes.
Reserve early access to the first CTTN release. Tell us who you are so we can prioritize what gets tracked first.