Tech-driven search engines, scam emails and data scraping are threatening to destabilize the property insurance marketplace nationwide if left unchecked, a new report finds.

The research project , by Ohio-based financial analysis firm Demotech , finds that “tech-enabled litigation instigation” is growing into a predatory, covert business model that pushes insured property owners into the litigation process often before a claim has even been filed.

In existence since 2017, the practice is growing again thanks to artificial intelligence capabilities, which can harm property owners by forcing them into a pricey lawsuit process that requires big payouts to law firms and threatens the collapse of insurance companies operating in risk-prone areas, such as Florida.

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