Florida and Carolina personal-lines agencies have spent four years rebuilding their workflow around non-renewals. The carriers retreating from those markets — first the national standard players, then the state-specific carriers, then the Citizens-class residual mechanisms — forced the agencies to industrialize a process that most of the country still treats as a one-account-at-a-time problem. The playbook the coastal agencies built is now traveling. Wildfire-exposed California, hail-exposed Texas inland, and convective-storm-exposed Tennessee and Georgia are starting to see the carrier-retreat patterns the Carolinas saw in 2022 and 2023. The agencies in those geographies that adopt the coastal playbook early will retain materially better than the ones that do not. Three things the coastal playbook does that most inland agencies do not. First, it treats the non-renewal letter as a 90-day workflow, not an event. The replacement carrier is identified, the wholesale option is in motion, and the customer call is scripted before the original carrier's letter hits the mail. Second, it builds the wholesale relationships before the standard markets retreat — not after. Third, it tracks the customer-retention rate on non-renewed accounts as a separate KPI from overall retention. The number that matters is not whether you keep your book; it is whether you keep the customer when their original carrier walks. Two of three coastal principals tell us their non-renewal-customer retention rate sits above 80 percent. The inland comparable runs 50 to 60 percent. The 20-to-30-point gap is the playbook. We will publish a fuller treatment of this in May; the operator-side work to do now is the wholesale-relationship audit. Do not wait for the carrier letters.