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Filing, actuarial and product teams search SERFF for the same reasons again and again: to see what a competitor filed, how a state reacted to a similar change, which forms a carrier uses, or what an approved rate filing looked like before drafting their own. The public record is there, in the filings each state publishes through SERFF Filing Access. The work is in finding the right filings and reading them.
Evermont is an insurance regulatory filing desk inside the AI assistant your team already uses, and SERFF research is one part of it, alongside state filing requirements, exhibits and calculations, objection responses and the filing record (the whole job is described here). Ask in plain language, and the assistant searches public SERFF filings through Evermont, opens the documents that matter and answers with the filing, document and page each point came from.
What you can search
A search runs against the details each public filing carries: the state, the filing company, product name, SERFF tracking number, type of insurance, filing type, status and dates, and the overall rate change where the filing reports one. Typical questions:
- Which carriers filed personal auto rate changes in Texas this year, and how large were they?
- What did a named competitor file for homeowners in Georgia, and when was it approved?
- Which filings for a line in a state were disapproved or withdrawn?
- What does a particular SERFF tracking number contain?
For a question that spans states, the assistant searches each state in turn and puts the results together in one answer.
Reading the filings, not just the list
A list of filings is only the start. The useful part is inside them: the actuarial memorandum, the rate exhibits, the rate and rule pages, the forms and, where the state publishes it, the correspondence between the filer and the reviewer. Through Evermont, the assistant opens a filing's documents, previews them and reads the pages it needs, so it can tell you how a carrier selected its trend, what its indicated and selected changes were, or what the department asked about.
When you want a document for your own work, the assistant can give you a short-lived download link or a ZIP of the whole filing, or copy a document into one of your Evermont filings as labeled reference material. Reading a competitor rate filing walks through what to look for once a filing is open.
How it compares with searching the state portals
SERFF Filing Access is the official public source, and it is free. It is organized state by state: you pick a participating state, search that state's published filings and open them one at a time. That works well for a single filing you can name. It is slower for questions that need many filings, several states or a careful read of each document.
The state portals
SERFF Filing Access
- Official public record, free to use
- One state at a time
- You open and read each filing yourself
Inside your assistant
Evermont
- Public filings indexed across states
- The assistant searches state by state in one conversation
- It reads the documents and cites the page
A SERFF Filing Access alternative for multistate research goes into the differences in more detail.
What to keep in mind
- Public means what the state published. Confidential exhibits, filings still under review (most states publish after review closes) and filings a state chose not to publish are not in the public record, so they are not in Evermont's search either.
- An empty result is not proof. If a search finds nothing, check the inputs and the original source before concluding that no such filing exists.
- Precedent has a date. An approved filing shows what a state accepted at that time, under the rules then in force.
- Forms can be copyrighted. Being able to read a public form does not grant a right to copy it.
The docs cover connecting Claude, ChatGPT and Codex and the full list of SERFF tools, and their coverage section lists what the SERFF data includes. To see it work, watch the demo.
Questions and answers
Are SERFF filings public?
Many are. Each state decides which filings it publishes through SERFF Filing Access, when, and in how much detail. Documents a filer marked confidential or trade secret, where state law allows it, are usually withheld even when the rest of the filing is public.
Which states does Evermont's SERFF search cover?
The SERFF corpus holds public filings from 49 states and the District of Columbia, from 2011 to the present. The coverage section of the Evermont docs lists the details and is kept current.
Can I look up one filing by its SERFF tracking number?
Yes. Give the tracking number and the state. If Evermont's index does not have that filing yet, Evermont can fetch it live from SERFF Filing Access; the first answer may say the fetch is in progress, and asking again shortly returns the filing.
Can a search change my own filings?
No. The SERFF research tools only read public filings. The one exception is a tool that copies a SERFF document into one of your filings as labeled reference material, and it runs only when you ask for it.
Which AI assistants does it work with?
Claude, Claude Code, Cowork, ChatGPT and Codex. Evermont connects through its MCP server, with an OAuth sign-in or an API key. Access is by request.
See it work: watch the 75-second demo or read the docs for setup, the tool list and coverage.
Sources
General information, not legal or actuarial advice. Requirements differ by state, line and filing; check the current rules with the department of insurance before you file.