American Integrity Insurance Session Replay Investigation

American Integrity Insurance Session Replay Investigation

Louis Law Group is investigating whether American Integrity Insurance may have been using tracking pixels, session replay tools, or other third-party tracking technologies on its website without obtaining proper informed consent from visitors. American Integrity Insurance is a Florida-based homeowners insurance provider whose website regularly collects sensitive personal and financial information from consumers seeking insurance quotes. Our investigation is examining whether American Integrity Insurance's data practices may have impacted consumers who visited the company's website and submitted personal information through online forms.

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What Are Tracking Pixels and How Do They Work?

Tracking pixels and session replay tools are technologies that website operators may embed into their web pages, often through third-party software vendors. Understanding how these tools function is essential for consumers who want to make informed decisions about their digital privacy.

A tracking pixel is a tiny, often invisible image — typically measuring just one pixel by one pixel — that loads when a user visits a webpage. When the pixel loads, it can transmit data back to the pixel's host server, which may include information such as the user's IP address, browser type, operating system, the pages visited, and the time spent on each page. Advertising platforms like Meta (Facebook) and Google commonly provide tracking pixels that website operators can embed to measure ad performance or build audience profiles.

A session replay tool is a more intrusive form of tracking technology. Session replay software, offered by vendors such as FullStory, Hotjar, and Microsoft Clarity, records a user's interactions on a website in real time. This can include mouse movements, scrolling behavior, keystrokes, and clicks. In some configurations, session replay tools may capture information typed into form fields — including names, addresses, dates of birth, Social Security numbers, income information, and other sensitive data — before the user even submits the form.

What makes session replay tools particularly significant from a privacy standpoint is their capacity to record sensitive information without users' knowledge. When a consumer visits an insurance company's website and begins filling out a quote application, they generally expect that information to be transmitted only to the company itself. If a session replay tool is active, however, that information may also be transmitted simultaneously to one or more third-party vendors. This type of data interception, depending on the circumstances, may raise serious questions under applicable privacy and wiretapping statutes.

What Louis Law Group Is Investigating

Louis Law Group is investigating whether American Integrity Insurance may have used third-party tracking technologies — including session replay software and tracking pixels — in ways that may not have complied with applicable privacy laws. Specifically, our investigation is examining whether American Integrity Insurance's data practices may have impacted consumers who used the company's website to request homeowners insurance quotes, file claims, or access their policyholder accounts.

The American Integrity Insurance website collects a significant volume of sensitive consumer information. Individuals may have been affected by American Integrity Insurance's website tracking practices if they submitted any of the following types of information:

• Personal identifying information, including name, address, date of birth, and Social Security number
• Property information related to homeowners insurance applications
• Financial information, including income details and mortgage information
• Insurance history and prior claims information
• Contact details such as email addresses and phone numbers

Our investigation is examining whether, at the time consumers submitted this information, third-party tracking tools may have simultaneously intercepted and transmitted that data to outside vendors — potentially without adequate notice or consent. American Integrity Insurance may have used third-party tracking technologies that operate in the background of website interactions, making them invisible to ordinary users. Louis Law Group continues to gather information and has not reached a final determination regarding the company's liability.

Relevant Privacy Laws

Several federal and state laws govern the collection and interception of electronic communications, and these statutes form the foundation of the legal landscape our investigation is navigating.

The California Invasion of Privacy Act (CIPA), California Penal Code §§ 630–638, is one of the most significant privacy statutes in the United States. Although enacted decades ago, courts have applied CIPA to modern internet technologies, including session replay tools. CIPA prohibits the intentional interception of electronic communications without the consent of all parties involved. Because websites accessible to California residents may be subject to CIPA regardless of where the company is headquartered, this statute is a central component of many digital privacy investigations nationwide.

The Federal Wiretap Act, 18 U.S.C. § 2511, similarly prohibits the intentional interception of wire or electronic communications. Federal courts have examined whether session replay tools that capture data in transit — rather than from stored records — may constitute interception under this statute.

Florida's Security of Communications Act, Florida Statutes § 934.01 et seq., is a state wiretapping statute that provides additional protections for Florida residents. Florida is a two-party consent state, meaning that the interception of private communications generally requires the consent of all parties involved. Consumers who provided personal information through American Integrity Insurance's Florida-based website may have rights under this statute worth examining.

The Florida Consumer Privacy Act and broader consumer protection frameworks also provide avenues for consumers to seek accountability when their personal and financial data is collected or shared without proper disclosure. Consumers generally have a right to know what data is being collected, by whom, and for what purpose — and to provide meaningful consent before that collection occurs.

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 and interacted with its online services. This includes, but may not be limited to, consumers who:

• Requested a homeowners insurance quote through the American Integrity Insurance website
• Created or logged into a policyholder account online
• Filed or tracked an insurance claim through the company's web portal
• Contacted the company through an online contact or inquiry form
• Browsed the website while researching coverage options for Florida properties

Given that American Integrity Insurance operates as a Florida homeowners insurance provider, the individuals potentially affected by these practices are largely Florida residents — a population that may have an elevated expectation of privacy when submitting sensitive financial and property information to their insurance carrier. Our investigation is examining whether American Integrity Insurance's data practices may have impacted consumers across a range of online interactions with the company's digital platforms.

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What You Can Do

If you visited the American Integrity Insurance website and are concerned that your personal or financial information may have been captured by third-party tracking technologies, there are several practical steps you can take:

• Document your interactions: If you recall requesting a quote, logging into an account, or submitting any form on the American Integrity Insurance website, note the approximate dates and the type of information you provided.
• Review your privacy settings: Consider using browser privacy tools, such as script blockers or privacy-focused browser extensions, to limit the reach of third-party tracking technologies when visiting websites in the future.
• Request a copy of your data: Depending on your state of residence, you may have rights under applicable privacy laws to request that a company disclose what personal information it has collected and with whom it has shared that information.
• Consult with a privacy attorney: A legal professional who handles digital privacy claims can help you assess whether your situation may warrant further action and advise you on your rights under applicable statutes.
• Check your eligibility: Louis Law Group is offering free consultations for individuals who believe they may have been affected by American Integrity Insurance's website tracking practices. There is no cost to find out whether you may qualify to participate in this investigation.

Check If You May Qualify

Louis Law Group is actively investigating whether American Integrity Insurance's use of website tracking technologies may have affected consumers who submitted sensitive personal and financial information through the company's online platforms. If you visited the American Integrity Insurance website and provided any personal information — whether for a homeowners insurance quote, account access, or a claim submission — you may be eligible to participate in this investigation at no cost to you. Our attorneys will review your situation and help you understand your potential rights under applicable privacy and consumer protection laws. There are no upfront fees, and a consultation with our team is completely free.

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