American Integrity Insurance Privacy Investigation

American Integrity Insurance Privacy Investigation

Louis Law Group is investigating whether American Integrity Insurance may have been using tracking pixels, session replay tools, or other third-party data collection technologies on its website in ways that could implicate consumer privacy rights. As a Florida-based homeowners insurance company, American Integrity Insurance's website collects highly sensitive personal and financial information from individuals seeking insurance quotes — including names, addresses, property details, and financial data. Our investigation is examining whether American Integrity Insurance's data practices may have impacted consumers who visited its website and submitted information through its online forms, potentially without adequate disclosure or consent as required under applicable privacy laws.

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What Are Tracking Pixels and How Do They Work?

Tracking pixels are tiny, often invisible image files — typically just one pixel by one pixel — embedded within a webpage or email. When a user loads a page containing a tracking pixel, the pixel sends a signal back to a third-party server, allowing that server to record information about the visit. This data can include the user's IP address, browser type, operating system, geographic location, the time of the visit, and what actions the user took on the page. Companies frequently embed these pixels on behalf of advertising networks, analytics providers, or social media platforms such as Meta (Facebook), Google, or TikTok.

Session replay tools work differently but raise similar concerns. These software tools record a user's interactions with a webpage in real time — capturing mouse movements, clicks, keystrokes, and form entries as they happen. When deployed on pages where users submit sensitive information, session replay technologies may capture that data before it is formally submitted, sometimes transmitting it to third-party vendors who provide the replay software. Well-known session replay providers include FullStory, Hotjar, and Microsoft Clarity.

The concern with both technologies, particularly when deployed on pages collecting sensitive personal and financial data, is that they may intercept or transmit user communications and inputs to third parties without the user's knowledge or meaningful consent. When used on insurance quote pages, loan applications, or medical intake forms, these tools may capture data that consumers believe is being shared only with the company they are dealing with directly.

What Louis Law Group Is Investigating

Louis Law Group is investigating whether American Integrity Insurance may have used third-party tracking technologies — including tracking pixels or session replay tools — on the pages of its website where consumers enter personal and financial information. Our investigation is examining whether American Integrity Insurance's data practices may have impacted consumers by allowing their sensitive inputs to be intercepted and transmitted to third parties in real time, without proper notice or consent.

Specifically, individuals may have been affected by American Integrity Insurance's website tracking practices if they visited the company's website to request a homeowners insurance quote, entered personal details such as their name, address, date of birth, or financial information, or interacted with online forms where such tracking tools could potentially have been active. Louis Law Group is investigating whether American Integrity Insurance may have been using third-party technologies in a manner that, if confirmed, could give rise to consumer privacy claims under federal and state law.

It is important to note that this investigation does not constitute a finding that American Integrity Insurance violated any law. Our investigation is ongoing, and our goal is to evaluate the facts and determine whether affected individuals may have legal recourse under applicable privacy statutes.

Relevant Privacy Laws

Several federal and state privacy laws may be relevant to the type of conduct our investigation is examining.

• California Invasion of Privacy Act (CIPA): CIPA is one of the most widely cited statutes in website tracking litigation. It prohibits the unauthorized interception of electronic communications and has been interpreted by courts to apply to tracking technologies that intercept user inputs on websites. Even consumers outside California may be affected if a company's tracking tools involve California-based vendors or infrastructure, as some courts have applied CIPA based on where the data interception occurred rather than solely where the consumer is located.
• Florida Security of Communications Act (FSCA): Florida's wiretapping statute, codified at Florida Statutes § 934.01 et seq., similarly prohibits the interception of wire, oral, or electronic communications without consent. Florida is a two-party consent state, meaning that the interception of a communication generally requires the knowledge and agreement of all parties involved. If tracking technologies captured consumer communications without proper disclosure, this statute may be implicated.
• Federal Wiretap Act: The Electronic Communications Privacy Act (ECPA) and its Wiretap Act provisions prohibit the intentional interception of electronic communications. Courts have considered whether session replay tools and tracking pixels, when they capture and transmit user data in real time to third parties, may constitute an interception under this federal framework.
• Consumer Protection Laws: State and federal consumer protection statutes may also apply where companies fail to disclose material facts about how consumer data is being collected, shared, or used — particularly when the data relates to sensitive financial or personal matters.

Consumers have a right to understand how their personal and financial information is being handled when they interact with a company's website. Privacy tort claims are a mechanism by which individuals may seek accountability when those rights may have been overlooked.

Who May Be Affected

Individuals may have been affected by American Integrity Insurance's website tracking practices if they visited the company's website at any point in recent years and engaged in activities such as:

• Requesting a homeowners insurance quote through American Integrity Insurance's online forms
• Entering personal information such as their name, home address, date of birth, or contact details
• Providing property details, mortgage information, or other financial data as part of an insurance application
• Browsing coverage options or interacting with pages that displayed or solicited sensitive information
• Creating an account or logging into an existing policy portal on the company's website

Because homeowners insurance applications typically require consumers to disclose substantial personal and financial information, the potential scope of any data exposure through undetected tracking tools could be significant. Our investigation is examining whether American Integrity Insurance's data practices may have impacted a broad group of Florida consumers who trusted the company with sensitive details during the insurance quoting and application process.

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What You Can Do

If you visited the American Integrity Insurance website and submitted personal or financial information, there are steps you can consider taking to understand your rights and assess your options:

• Document your interactions: If you can recall when you visited the website, the type of information you submitted, and any confirmation emails or policy documents you received, preserve that information. These details may be relevant to evaluating your potential eligibility for a claim.
• Review privacy disclosures: Check any privacy policy or terms of service that were presented to you at the time of your visit. Understanding what disclosures were made — or were not made — about data sharing practices can be important context.
• Consult with a privacy attorney: Privacy tort law is a specialized and rapidly evolving area. Speaking with an attorney who handles these types of investigations can help you understand whether your situation may give rise to a legal claim and what your potential remedies could be.
• Check your eligibility: Louis Law Group is offering free, no-obligation eligibility consultations for individuals who believe they may have been affected by American Integrity Insurance's online data practices. There is no cost to find out whether you may qualify.

Check If You May Qualify

Louis Law Group is actively investigating this matter and is available to speak with individuals who visited the American Integrity Insurance website and submitted personal or financial information. There is no cost to check your eligibility, and a consultation with our team carries no obligation. Our attorneys work on a contingency basis in privacy tort matters, meaning you pay nothing unless a recovery is obtained on your behalf. To find out whether you may be eligible to participate in this investigation, use the link below to get started.

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Louis Law Group | Privacy Tort Investigations | 954-515-5589 | Free Consultation