US Commercial Insurance Renewal Spike
adw.adw_401Returns a 0-100 US commercial insurance renewal spike score (year-over-year premium change computed from carrier renewal quote aggregates, 27 years of history) with premium_yoy_pct, spike_flag, trend_direction, history_percentile, confidence, and methodology_version. Call when the user asks about commercial insurance renewal costs, hard-market pricing, or office operating-expense pressure, or when timing Class B/C office underwriting, NOI budgets, or hold/sell decisions. Updates: monthly.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| days | No | Optional: return a daily HISTORY series of the last N days (up to 5 years of real archived data) instead of the current snapshot. History requires Gold tier; without it, the current snapshot is returned. |