{"product":"FLINTTECH Contractor Risk Index","month":"2026-11","generatedAt":"2026-11-10T20:07:23.736Z","states":{"WA":{"trackedContractors":17,"activeLicenses":16,"activePct":94.1,"activeWithoutInsurancePct":0,"activeWithoutBondPct":6.3,"suspensionOnRecordPct":5.9,"licensesExpiringNext60d":2,"riskBands":{"low":16,"elevated":0,"high":1},"avgRiskScore":5,"topHomeCities":[{"city":"SEATTLE","contractors":2},{"city":"AUBURN","contractors":2},{"city":"VANCOUVER","contractors":2},{"city":"LYNNWOOD","contractors":2},{"city":"OLYMPIA","contractors":2},{"city":"BURLINGTON","contractors":1},{"city":"FEDERAL WAY","contractors":1},{"city":"TUKWILA","contractors":1},{"city":"TOLEDO","contractors":1},{"city":"GIG HARBOR","contractors":1}],"thisMonth":{"snapshotsWithChanges":19,"licensesWentInactive":0,"insuranceLapses":0,"bondLapses":0,"movedToHighRisk":0}},"MN":{"trackedContractors":150,"activeLicenses":147,"activePct":98,"enforcementFlagPct":13.3,"licensesExpiringNext60d":0,"riskBands":{"low":127,"elevated":23,"high":0},"avgRiskScore":4,"topHomeCities":[{"city":"MINNEAPOLIS","contractors":23},{"city":"ST PAUL","contractors":8},{"city":"BLOOMINGTON","contractors":7},{"city":"BURNSVILLE","contractors":7},{"city":"EDEN PRAIRIE","contractors":6},{"city":"RICHFIELD","contractors":5},{"city":"PLYMOUTH","contractors":3},{"city":"WOODBURY","contractors":3},{"city":"MAPLE GROVE","contractors":3},{"city":"BROOKLYN PARK","contractors":3}],"thisMonth":{"snapshotsWithChanges":150,"licensesWentInactive":0,"insuranceLapses":0,"bondLapses":0,"movedToHighRisk":0}}},"permitVolume":{"MN":{"city":"Minneapolis","contractorsOnPermits90d":321,"permits90dByThoseContractors":744},"WA":{"city":"Seattle","contractorsOnPermits90d":69,"permits90dByThoseContractors":120}},"method":"Aggregates over contractors seen on Seattle and Minneapolis permits in the last 90 days plus watchlisted licenses, snapshotted daily from official license, insurance and bond records. No individual contractors are named.","scoring":{"version":"flintwatch-v1","note":"Coverage risk 0-100 (0 = lowest) from license status, suspension/enforcement, liability insurance and bond. Excludes permit activity, so it differs from /contractor/risk.","rules":{"WA":["license not ACTIVE +35","suspension recorded +25","no unexpired liability insurance (active license) +20","no in-force bond (active license) +20","insurance expiring within 30 days +5"],"MN":["no ISSUED license +35","DLI enforcement-action flag +25","license expiring within 60 days +5"]}},"sources":{"WA":"https://data.wa.gov/d/m8qx-ubtq, ciwg-agsx, bzff-4fmt (ODC PDDL)","MN":"MN DLI license exports (public data)","permits":"data.seattle.gov 76t5-zqzr; Minneapolis CCS_Permits"},"license":"Free to cite with attribution: FLINTTECH Contractor Risk Index","paid":{"history":"GET /contractor/history ($0.50)","watchlist":"POST /watchlist ($0.50 per contractor)","plans":"FLINTrisk $299/mo, FLINTunderwrite $999/mo: /pricing"}}