BindingWatch: The Insurance Binding Clock

Field notes

The system combines six-hour National Hurricane Center forecast cycles with the mechanical suspension rules published by Citizens and TWIA. Its public evidence separates the two regimes: Citizens suspends after an NWS watch or warning affecting Florida, while TWIA uses a hurricane track crossing inside 80°W / 20°N. The homepage reports 18 hours at a zero-false-alarm setting for Citizens and a 48-hour median lead for 11 matched TWIA bulletins.