RealEstate

andAssetS

ervicesD

ivision

CommercialRisk

Man

agem

ent&

Brokerag

eProg

ram

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Pa

ge

I.In

trod

uctio

n

3

II.Pr

ofile

4

III.

Serv

ice

Team

5-6

IV.

Clie

nt R

efer

ence

7-

9

V.In

sura

nce

Capa

bilit

ies

10

VI.

Risk

Man

agem

ent P

rogr

ams &

Ser

vice

s 11

-14

VII.

Insu

ranc

e Bi

d Pr

oces

s

15

Tabl

e of

Con

tent

s

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Acentria

&Am

eriFlood

have

develope

da

compreh

ensiv

eRisk

Managem

entProgram

specifically

desig

nedfortheCo

mmercial

&MultiFamily

Real

Estate

Indu

stry.

Each

oftheindividu

alservices

includ

edwith

inthis

program

have

been

successfully

proven

togene

rate

positive

financial

and

humanistic

results

forbo

thcommercial

prop

erty

&multifamily

real

estate

owne

rsandmanagers.

Muchof

thesuccessof

theseservices

isattributable

tothede

tailedmanagem

enttechn

ique

sinvolved

with

each

serviceprovided

.

Acentria

&Am

eriFlood

,working

with

oras

ourc

lient’sriskmanagem

entteam,w

illassistiniden

tifying,

evaluatin

g,and

managingeach

ofou

rclient’s

individu

alrisks.

Because

Acentria

Insurance

and

AmeriFlood

are,together,a

completeriskmanagem

entfirm

,aswellasa

natio

nally

recognize

dprop

erty

andcasualty

insuranceagen

cy,w

ebringaun

ique

perspe

ctiveto

your

“risk

vs.c

ostof

risk”

analysis.

Furthe

r,werecognize

that

riskmanagem

entismuchmorethan

purchasin

ginsuranceor

completingan

onsiteprop

erty

inspectio

n.Acentria

&Am

eriFlood

will

proactivelyevaluate

andassistin

developing

solutio

nsto

financiallyminim

izeou

rclients’risk.

Please

take

amom

enttoreview

thede

tails

ofeach

riskmanagem

entservice

includ

edwith

inou

rreal

estate

program.Upo

nyour

review

,you

willrecognize

theextensivetasksthath

avebe

enincorporated

andareno

rmallype

rform

edon

adaily

basis

foro

urclients.

Wehave

foun

d,throughou

rinsurance

expe

rience,that

attentionto

detailiswhatm

akes

the

Acentria/AmeriFlood

program

successful.

Introd

uctio

n500,000multifamily/con

doun

itsan

d10,000,000

squa

refeet

ofretailan

dcommercialofficespace

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

ACEN

TRIA

& A

MER

IFLO

OD

are

inde

pend

ent i

nsur

ance

age

ncy

oper

atio

ns m

anag

ing

mor

e th

an $

100

mill

ion

in a

nnua

l ins

uran

ce p

rem

ium

s thr

ough

out t

he U

nite

d St

ates

. Th

e AC

ENTR

IA/A

MER

IFLO

OD

busin

ess

mod

el i

s ba

sed

on e

xcep

tiona

l cu

stom

er s

ervi

ce w

hile

fo

cusin

g on

the

com

plex

ity o

f th

e in

sura

nce

polic

y, en

surin

g ea

ch o

f ou

r cu

stom

ers

and

busin

ess

part

ners

the

expe

rtise

they

exp

ect a

nd d

eser

ve. P

rote

ctin

g yo

ur b

usin

ess

is ou

r Num

ber O

ne P

riorit

y w

hile

pro

vidi

ng s

uper

ior s

ervi

ce in

the

proc

ess.

As

a cu

rren

t cus

tom

er o

r pro

spec

t, pl

ease

kno

w th

at

we

are

com

mitt

ed t

o co

ntin

uing

our

effo

rts

to s

peci

alize

in p

rovi

ding

hig

h qu

ality

pro

duct

s fo

r th

e co

mm

erci

al b

uild

ing

and

mul

ti-fa

mily

ind

ustr

y. W

heth

er y

our

firm

ope

rate

s as

a m

anag

emen

t co

mpa

ny,

apar

tmen

t co

mm

unity

, co

ndom

iniu

m a

ssoc

iatio

n or

hom

eow

ners

ass

ocia

tion,

we

will

co

ntin

ue to

serv

e yo

ur n

eeds

.

500,

000

mul

ti fa

mily

/con

do u

nits

and

10,

000,

000

squa

re fe

et o

f ret

ail a

nd c

omm

erci

al o

ffic

e sp

ace

Prof

ile

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Serv

ice

Team

Ke

ndal

l McE

ache

rn –

CEO

With

a 2

6-ye

ar b

ackg

roun

d in

risk

man

agem

ent a

nd in

sura

nce

brok

erag

e fo

r the

real

est

ate

indu

stry

, Ken

dall

has

been

resp

onsib

le fo

r app

roxi

mat

ely

500,

000

mul

ti-fa

mily

/con

do u

nits

and

7,0

00,0

00 s

quar

e fe

et o

f com

mer

cial

of

fice

and

reta

il sp

ace.

His

prin

cipa

l re

spon

sibili

ty a

s Sen

ior V

ice

Pres

iden

t of R

isk M

anag

emen

t is t

he m

arke

ting

of o

ur c

lient

’s in

sura

nce

need

s to

the

insu

ranc

e m

arke

tpla

ce.

Kevi

n M

ason

- Pr

esid

ent

With

over

17ye

arso

fexp

erie

nce

inth

eco

mm

erci

alin

sura

nce

indu

stry

,Kev

inha

sgai

ned

aw

ealth

ofkn

owle

dge

ina

varie

ty o

f rea

l est

ate

indu

strie

s, in

clud

ing

cond

omin

ium

ass

ocia

tion

man

agem

ent a

nd p

rope

rty

man

agem

ent.

He h

as b

een

resp

onsib

le fo

r dev

elop

ing

insu

ranc

e an

d ris

k m

anag

emen

t pro

gram

s for

ove

r 125

con

dom

iniu

m

asso

ciat

ions

. The

com

bina

tion

of e

xper

ienc

e an

d re

latio

nshi

ps w

ithin

the

insu

ranc

e m

arke

tpla

ce p

rovi

de K

evin

w

ith th

e to

ols t

o ef

fect

ivel

y m

arke

t our

clie

nts’

insu

ranc

e pr

ogra

ms a

nd se

rvic

e th

eir r

isk m

anag

emen

t nee

ds.

Shaw

n Bud

ney

- Vic

e Pr

esid

ent

With

ove

r 11

year

s of e

xper

ienc

e w

ithin

the

field

of C

ondo

min

ium

Ass

ocia

tion,

Fra

ctio

nal C

ondo

Con

vers

ion,

M

ulti-

fam

ily, C

omm

erci

al R

eal E

stat

e, a

nd h

igh

haza

rd ri

sk m

anag

emen

t ass

ets f

or n

atio

nal c

lient

ele,

Sha

wn

brin

gs

a va

st k

now

ledg

e an

d ex

pert

ise to

the

Acen

tria

team

. W

orki

ng fo

r an

inte

rnat

iona

l age

ncy

prio

r to

join

ing

Acen

tria

, Sha

wn

was

in c

harg

e of

han

dlin

g ov

er $

1.8

billi

on in

real

est

ate

asse

ts th

roug

hout

the

Uni

ted

Stat

es.

As

Vice

Pre

siden

t of r

egio

nal o

pera

tions

of S

outh

Flo

rida,

Sha

wn

will

be

the

prim

ary

cont

act t

o yo

ur re

al e

stat

e po

rtfo

lio a

nd w

ill ca

rry

out e

xten

sive

carr

ier n

egot

iatio

ns a

s it p

erta

ins

to re

tent

ion

thre

shol

ds, a

ttac

hmen

t poi

nts

to la

yere

d pr

ogra

ms,

eva

luat

ion

to p

rope

r ins

urab

le v

alua

tions

, and

fina

l car

rier p

ricin

g ne

gotia

tions

.

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

ServiceTeam

JeffBa

jza–P

reside

nt,A

meriFlood

Jeffrecentlycelebrated

his2

0thAn

niversaryas

acommercialinsuranceagentinSeptem

bero

f2012.

Jeffspenth

iscareer

developing

avarie

tyof

specialized

insuranceprograms,mostrecently

AmeriFlood

,which

rebated15%of

theircom

missionto

insured’sinorde

rtooffset

theincreasin

gcostso

fNFIPflo

odinsuranceinthestateof

Florida.

Jeffbe

ganhisinsurance

career

inNew

Jersey

in1992

startin

ghisfirsta

gencyfrom

scratchafterg

radu

atingfrom

UNCCh

arlotte.

Aftersellingthat

agen

cyin2002

andanothe

rin2005,Jeffstarted

AmeriFlood

andno

winsures

over

450cond

ominiumsandmultip

lecommercialprop

ertie

sinFlorida,Texas,North

Carolina,SouthCarolina,

Georgia,Virginia,New

Jersey,N

ewYork,M

ichigan,

Kansas

andOklahom

a.TheAcentria/AmeriFlood

partne

rship

was

form

edin2012

inorde

rtoprovideexpe

rtise

acrossalllines

ofinsuranceto

both

ourC

ommercialProp

erty

owne

rsandmanagersa

swellaso

urMultiFamily/Con

dominium

Associationclientsun

derthe

leadershipof

the

AcentriaManagem

entTeam

andJeffBa

jzawho

remains

thePresiden

tofA

meriFlood

.

CatherineShertenlieb,CIC–Marketin

g&Client

Services,A

meriFlood

Catherine’searly

career

was

spenta

talargeprop

erty/casualty

brokeragefirm

inAtlanta,GA

andwith

AmeriFlood

andAcentria,C

athe

rineiscurrently

inhe

r19t

hyear

intheinsuranceindu

stry.Inadditio

nto

herB

ache

lor’s

Degree

inCo

mmun

ications

andhe

rCertifiedInsuranceCo

unselor(CIC)

professio

naldesignatio

n,Catherinehasextensive

expe

rienceintheplacem

enta

ndserviceof

complex

commercialinsuranceaccoun

ts.Catherine’sversatile

backgrou

ndinclud

esthecompletesupe

rvision

ofnatio

nalinsurance

programs,marketin

ginbo

thstandard

and

nonstandard

marketsandagen

cymanagem

ent.InAtlanta,shewas

respon

sibleforthe

brokerageservices

and

captivecoordinatio

nforo

neof

thelargestp

rivatelyhe

lddiversified

conglomerates

intheUnitedStates.

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Rhon

da Jo

hnst

on, C

IC

- Dire

ctor

Ris

k M

anag

emen

t

Ove

r her

car

eer,

Rhon

da h

as b

een

the

prim

ary

risk

man

ager

for m

ore

than

500

,000

mul

ti-fa

mily

/con

do u

nits

and

O

ver 7

,000

,000

squ

are

feet

of c

omm

erci

al sp

ace.

With

mor

e th

an 3

0 ye

ars o

f exp

erie

nce

in th

e in

sura

nce

in

dust

ry, h

er fo

cus i

s on

the

revi

ew a

nd n

egot

iatio

n of

pro

pose

d co

vera

ge a

nd p

olic

y la

ngua

ge fo

r the

clie

nt.

Wen

dy R

uud

– Cl

aim

s Man

ager

As

Cla

ims M

anag

er, W

endy

’s pr

imar

y re

spon

sibili

ty is

the

man

agem

ent a

nd o

vers

ight

of t

he W

orke

rs’

Com

pens

atio

n, G

ener

al L

iabi

lity,

and

Pro

pert

y da

mag

e cl

aim

s for

Ace

ntria

. He

r 17

year

s of e

xper

ienc

e in

the

in

sura

nce

indu

stry

allo

ws h

er to

be

pro

activ

e in

cre

atin

g sp

ecifi

c Ri

sk M

anag

emen

t pro

gram

s tha

t red

uce

both

lo

ss fr

eque

ncy

and

seve

rity.

M

ike

Abt –

Cla

ims A

djus

ter

With

21

year

s of e

xper

ienc

e ne

gotia

ting

and

man

agin

g pr

oper

ty lo

sses

, Mik

e Ab

t has

a b

ackg

roun

d in

cons

truc

tion

as w

ell a

s cla

ims

adju

stin

g ex

perie

nce

with

a m

ajor

insu

ranc

e co

mpa

ny.

He h

as th

e co

mpa

ssio

nate

and

un

ders

tatin

g m

anne

r req

uire

d to

satis

fy o

ur c

lient

s’ n

eeds

resu

lting

in a

reas

onab

le a

nd fa

ir se

ttle

men

t on

larg

e pr

oper

ty lo

sses

. Ro

ger

Gree

nlea

f – C

SP, C

SM, E

MT

– Ri

sk M

anag

er

With

ove

r 25

year

s of s

afet

y ex

perie

nce,

Rog

er co

vers

all

face

ts o

f saf

ety

and

risk

man

agem

ent.

His

has 1

3 ye

ars o

f he

avy

cons

truc

tion

safe

ty e

xper

ienc

e bu

ildin

g po

wer

pla

nts

and

high

rise

bui

ldin

gs. A

dditi

onal

ly h

is m

anuf

actu

ring

expe

rienc

e is

over

10

year

s in

var

ious

indu

strie

s to

incl

ude

agric

ultu

re, d

airy

, and

gen

eral

man

ufac

turin

g. R

oger

al

so w

orke

d on

the

Life

Sci

ence

exp

erim

ents

that

NAS

A se

nt u

p on

the

spac

e sh

uttle

and

hol

ds th

e 2

high

est l

evel

ce

rtifi

catio

ns a

vaila

ble

to a

safe

ty p

erso

n th

e CS

P an

d CS

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esig

natio

n.

Prop

erty

Man

agem

ent R

efer

ence

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Prop

erty

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agem

ent

Prop

erty

Man

agem

ent

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erty

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ent

RAM

Par

tner

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hopt

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roup

Ste

rling

Tru

st

Sau

l Silb

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rope

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s P

rogr

essiv

e M

anag

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t **

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sley

Prop

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s **

PM

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Per

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ealty

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xiom

Cap

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T

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Prop

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nc. *

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tal

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mer

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Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Cond

omin

ium

Ass

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Refe

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Cond

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d In

sura

nce

Expe

rts

Cond

omin

ium

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Refe

renc

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Cond

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soci

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Med

ici

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

InsuranceCa

pabilities:

Acen

tria&Am

eriFlood

areafullserviceriskman

agem

enta

ndinsuranceagen

cyofferin

gthefollo

wing

type

sofcoverage:

AllRisk

Prop

erty

Insuranceinclud

ingWindstorm

&Floo

dBu

sinessIncom

eGe

neralLiability

Umbrella/E

xcessL

iability

ToxicMold/Rem

ediatio

nDirectorsa

ndOfficers/G

eneralPartne

rsLiability

ErrorsandOmissions

Workers’C

ompe

nsation

Automob

ileandNon

Owne

dAu

tomob

ileCo

mpleteEm

ployee

Bene

fitPrograms

Other

InsuranceCapabilities

InsuranceCapabilities

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Usin

g ou

r Det

aile

d M

odel

ing

Prog

ram

, we

deve

lop

and

man

age

your

cur

rent

pro

pert

y an

d al

loca

tion

sche

dule

s. W

e de

tail

valu

es a

nd co

st

by lo

catio

n, n

amed

insu

red

or a

ny c

usto

mize

d re

port

you

mig

ht re

ques

t.

Rep

orts

and

Allo

catio

ns S

ched

ules

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Risk

Man

agem

ent P

rogr

am &

Ser

vice

s

A pr

ogra

m

focu

sed

on

the

alig

nmen

t of

in

sura

nce

requ

irem

ents

, in

dem

nific

atio

n an

d in

sura

nce

prog

ram

s en

ablin

g su

cces

sful

risk

tran

sfer

and

/or r

isk a

ssum

ptio

n.

Our

go

al

is to

pr

ovid

e su

perio

r ris

k m

anag

emen

t in

form

atio

n.

This

info

rmat

ion

allo

ws

our

clie

nt

to

conf

iden

tly m

ake

info

rmed

bus

ines

s de

cisio

ns r

elat

ive

to

thei

r ins

uran

ce a

nd ri

sk m

anag

emen

t pro

gram

s.

•Po

licy

& C

ontr

act R

evie

w

•Cr

itica

l Exp

osur

e An

alys

is

•In

sura

nce

Man

agem

ent &

Rep

orts

•

Insu

ranc

e Ve

rific

atio

n Pr

ogra

m

•Pr

oper

ty C

laim

s Con

sulti

ng

•Li

abili

ty C

laim

s Con

sulti

ng

Defin

ition

: Risk

man

agem

ent i

s the

iden

tific

atio

n, a

sses

smen

t, an

d pr

iorit

izatio

n of

risk

s (d

efin

ed in

ISO

310

00 a

s the

effe

ct o

f unc

erta

inty

on

obje

ctiv

es, w

heth

er p

ositi

ve o

r neg

ativ

e) fo

llow

ed b

y

coor

dina

ted

and

econ

omic

al a

pplic

atio

n of

reso

urce

s to

min

imize

, mon

itor,

and

cont

rol t

he p

roba

bilit

y

and/

or im

pact

of u

nfor

tuna

te e

vent

s or t

o m

axim

ize th

e re

aliza

tion

of o

ppor

tuni

ties.

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

A pr

ogra

m fo

cuse

d on

the

alig

nmen

t of i

nsur

ance

requ

irem

ents

, ind

emni

ficat

ion

and

insu

ranc

e pr

ogra

ms e

nabl

ing

succ

essf

ul ri

sk tr

ansf

er a

nd/o

r risk

ass

umpt

ion.

O

ur G

oal

The

insu

ranc

e an

d in

dem

nific

atio

n re

quire

men

ts o

f a co

ntra

ct a

re k

ey c

ompo

nent

s to

risk

tran

sfer

an

d/or

risk

ass

umpt

ion.

We

unde

rsta

nd th

at su

cces

sful

risk

tran

sfer

is o

nly

achi

eved

whe

n a

clai

m is

su

cces

sful

ly te

nder

ed to

the

resp

onsib

le p

arty

and

/or i

nsur

ance

car

rier.

Co

ntra

cts

Virt

ually

all

cont

ract

s ne

cess

ary

to a

ny b

usin

ess

oper

atio

n in

volv

e in

sura

nce

and

inde

mni

ficat

ion.

The

Con

trac

t Re

view

Pro

gram

incl

udes

a re

view

of e

xist

ing

and

futu

re c

ontr

acts

. Le

ase

of p

rem

ises

Man

agem

ent a

gree

men

ts

Offi

ce e

quip

men

t lea

ses

Cont

ract

or’s

equi

pmen

t lea

ses

Cons

truc

tion

cont

ract

s M

ortg

age

agre

emen

ts

Cont

ract

s with

supp

liers

Ve

hicl

e re

ntal

or l

ease

s Le

ase/

purc

hase

arr

ange

men

ts

Pol

icy

& C

ontr

act R

evie

w P

rogr

am

exist

ing

and

futu

reco

ntraa

cts

acts

.

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

A pr

ogra

m fo

cuse

d on

the

alig

nmen

t of i

nsur

ance

requ

irem

ents

, ind

emni

ficat

ion

and

insu

ranc

e pr

ogra

ms e

nabl

ing

succ

essf

ul ri

sk tr

ansf

er a

nd/o

r risk

ass

umpt

ion.

Clie

nt In

sura

nce

Requ

irem

ents

Ev

alua

tion

of th

e in

sura

nce

requ

irem

ents

as

com

pare

d to

the

exist

ing

insu

ranc

e pr

ogra

m. T

he in

sura

nce

prog

ram

sh

ould

be

stru

ctur

ed to

com

ply

with

the

cont

ract

term

s an

d av

oid

a br

each

of t

he a

gree

men

t. T

he fo

llow

ing

are

som

e of

the

fact

ors c

onsid

ered

dur

ing

this

proc

ess:

Li

nes o

f cov

erag

e re

quire

d Li

mits

of l

iabi

lity

Dedu

ctib

le o

rsel

f ins

ured

rete

ntio

n am

ount

s Ad

ditio

nal i

nsur

edst

atus

Pr

oper

ty v

alua

tion

requ

irem

ents

suc

h as

repl

acem

ent

cos

ts o

r act

ual c

ash

valu

e Re

quire

d in

sura

ble

valu

e

Wai

ver o

f sub

roga

tion

Inde

mni

ficat

ion/

hold

har

mle

ss a

gree

men

ts

Prim

ary

or e

xces

s cov

erag

e re

quire

men

ts

Excl

usio

ns F

orm

s

Pol

icy

& C

ontr

act R

evie

w P

rogr

am

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Criti

cal E

xpos

ure

Anal

ysis

Sum

mar

y of

Val

ues b

y St

ate

& T

ier O

ne W

ind

Zone

Ana

lysi

s

Stat

e Co

unty

TI

V #

of

Loc.

Aver

age

Larg

est L

oc.

% o

f Tot

al

Flor

ida

Alac

hua

$705

,000

2

$352

,500

$3

75,0

00

0.16

%

Cl

ay

$2,1

12,0

00

3 $7

06,6

67

$1,0

60,0

00

0.50

%

Du

val

$221

,474

,402

68

$3,2

56,9

77 $

115,

150,

000

51.7

5%

Ha

milt

on

$380

,000

1

$380

,000

$3

80,0

00

0.90

%

Hi

ghla

nds

$1,3

95,0

00

2 $6

97,5

00

$315

,000

0.

33%

Lake

$3

15,0

00

1 $3

15,0

00

$1,1

00,0

00

0.70

%

Le

on

$2,4

00,0

00

3 $8

00,0

00

$580

,000

0.

03%

Mar

ion

$580

,000

1

$675

,000

$3

,000

,000

2.

60%

Nas

sau

$180

,367

,000

43

$4,9

14,5

81 $

34,4

50,0

00

43.0

3%

Tota

l

$409

,728

,402

7

$2,9

60,7

44 $

115,

150,

000

100.

00%

Duva

l$2

21,4

74,4

0268

$3,2

56,9

77$1

15,1

50,0

0051

.75%

Ham

ilton

$380

,000

1$3

80,0

00$3

80,0

000.

90%

High

land

s$1

,395

,000

2$6

97,5

00$3

15,0

000.

33%

Lake

$315

,000

1$3

15,0

00$1

,100

,000

0.70

%Le

on$2

,400

,000

3$8

00,0

00$5

80,0

000.

03%

Mar

ion

$580

,000

1$6

75,0

00$3

,000

,000

2.60

%N

assa

u$1

80,3

67,0

0043

$4,9

14,5

81$3

4,45

0,00

043

.03%

$409

,728

,402

7$2

,960

,744

$115

,150

,000

100.

00%

Stat

e TI

V #

of

Loc'

s Av

erag

e La

rges

t Loc

%

of

Tota

ls

Alab

ama

$11,

151,

700

8 $1

,393

,963

$5,

645,

700

2.26

%

Arka

nsas

$1

,975

,000

3

$658

,333

$1

,500

,000

0.

40%

Fl

orid

a $4

23,3

86,4

02

143

$2,9

60,7

44 $

115,

150,

000

85.6

2%

Geor

gia

$3,3

10,0

00

9 $3

67,7

78

$770

,000

0.

67%

Ke

ntuc

ky

$10,

245,

000

19

$539

,211

$3

,693

,000

2.

07%

N

Car

olin

a $1

3,80

5,00

0 19

$7

26,5

79

$2,7

50,0

00

2.79

%

S Ca

rolin

a $5

,695

,000

14

$4

06,7

86

$1,1

30,0

00

1.15

%

Tenn

esse

e $1

0,14

3,00

0 15

$6

76,2

20

$3,0

00,0

00

2.05

%

Texa

s $1

4,76

2,50

0 13

$1

,135

,577

$4,

237,

500

2.99

%

Gran

d To

tal

$494

,473

,602

24

3 $2

,034

,872

$11

5,15

0,00

0 10

0.00

%

SAMPLE

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Criti

cal E

xpos

ure

Anal

ysis Fr

ame

1.21

%

Joist

ed M

ason

ry

2.92

%

Non

-Com

bust

ible

23

.62%

Mas

onry

Non

-co

mbu

stib

le

47.1

9%

Mod

ified

Fire

Re

sistiv

e 0.

50%

Fire

Res

istiv

e 0.

03%

Unk

now

n 7.

60%

Woo

den

Trus

ses

16.9

2%

3% 0%

29%

18%

50

%

Zone

s A/V

Zone

s B&

Shad

ed X

Zone

X

Unk

now

n

Gran

d To

tal

Expo

sure

Sum

mar

y an

d Fl

ood

Zone

Ana

lysi

s (b

ased

on

% o

f Tot

al In

sura

ble)

Val

ues)

Cons

truc

tion

TIV

% o

f Tot

al

Fram

e $2

6,90

9,00

0 5.

44%

Jo

isted

Mas

onry

$8

25,0

00

0.17

%

Woo

den

Trus

ses

$283

,523

,300

57

.34%

Fi

re R

esist

ive

$183

,216

,126

37

.05%

M

odifi

ed F

ire R

es

$494

,473

,426

10

.%

Mas

onry

Non

-Com

b $2

33,2

91,5

00

8%

Tota

l 10

0.00

%

Trus

ses

$283

,523

,300

57.3

4%tiv

e$1

83,2

16,1

2637

.05%

Fire

Res

$494

,473

,426

10.%

Non

-Com

b$2

33,2

91,5

008% 10

0.00

%

Floo

d Zo

nes

TIV

% o

f Tot

al

Zone

s A/V

$2

6,90

9,00

0 5.

44%

Zo

nes B

& S

hade

d X

$825

,000

0.

17%

Zo

ne X

$2

83,5

23,3

00

57.3

4%

Unk

now

n $1

83,2

16,1

26

37.0

5%

Gran

d To

tal

$494

,473

,426

10

0.00

%

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Criti

cal E

xpos

ure

Anal

ysis

Cata

stro

phe

Mod

elin

g An

alys

is

Su

mm

ary

Loss

Ana

lysi

s U

tilizi

ng A

IR C

atas

trop

he M

odel

ing

soft

war

e, t

he f

ollo

win

g do

cum

ents

pre

sent

the

res

ults

of

the

aver

age

loss

su

mm

ary

anal

ysis

as r

espe

cts

Win

dsto

rm fo

r th

e AB

C Co

mpa

ny p

ortfo

lio.

The

figur

es re

pres

ent

the

loss

es th

at a

re

expe

cted

to b

e pr

oduc

ed (b

y a

singl

e ev

ent)

once

eve

ry 1

,000

, 500

, 250

and

100

yea

rs.

It sh

ould

be

note

d th

at m

ore

seve

re e

vent

s th

an t

hese

can

, and

do,

occ

ur, s

o th

ese

dam

age

estim

ates

sho

uld

not

be u

sed

as a

fin

al a

rbite

r of

co

vera

ge li

mits

. Th

e in

cide

nts

in th

ese

cate

gorie

s ar

e a

stat

istic

al a

vera

ge a

nd d

o no

t ref

lect

a s

ingl

e hi

stor

ical

eve

nt.

Colla

tera

l dam

age

due

to o

ther

fact

ors,

such

as a

stor

m su

rge

or li

ghtn

ing,

is n

ot m

odel

ed.

Addi

tiona

lly, e

xtre

mel

y se

vere

eve

nts -

out

side

the

stat

istic

al m

odel

’s av

erag

e ra

nge

- cou

ld a

lso re

sult

in h

ighe

r los

ses

due

to t

heir

falli

ng o

utsid

e th

e st

atist

ical

ran

ges

of s

ever

ity.

It is

impo

rtan

t to

rem

embe

r th

at in

a t

ypic

al y

ear,

for

inst

ance

, mul

tiple

500

-yea

r eve

nts c

an, a

nd o

ften

do o

ccur

eith

er fr

om a

sing

le p

eril

or fr

om m

ultip

le p

erils

. La

stly,

Floo

d Zo

ne d

eter

min

atio

ns a

re p

lott

ed a

nd ta

bula

ted.

Aver

age

Annu

al L

oss

(AAL

) - $

440,

606

Ann

ual C

hanc

e of

Los

s 10

0 ye

ar

1%

250

year

.40%

50

0 ye

ar

.2

0%

1000

yea

r

.10%

Addr

ess

100

Yr..

250

Yr.

500

Yr.

1000

Yr.

All L

ocat

ions

$8

,439

,806

$1

7,62

7,96

3 $3

5,58

5,26

0 $5

9,35

3,45

6

Uni

ted

Stat

es W

inds

torm

Sum

mar

y Lo

sses

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Ins

uran

ce V

erifi

catio

n Pr

ogra

m

Our

Goa

l Th

e in

sura

nce

and

inde

mni

ficat

ion

requ

irem

ents

of

aLe

ase

orco

ntra

ctar

eke

yco

mpo

nent

sto

risk

tran

sfer

and

/or

risk

assu

mpt

ion.

We

unde

rsta

nd

that

suc

cess

ful r

isk tr

ansf

er is

onl

y ac

hiev

ed w

hen

a cl

aim

is

succ

essf

ully

ten

dere

d to

the

res

pons

ible

pa

rty

and/

or in

sura

nce

carr

ier.

W

hen

not

usin

g ex

pens

ive

soft

war

e ou

r In

sura

nce

Ve

rific

atio

n Pr

ogra

m h

elps

you

r co

mpa

ny m

anag

e yo

ur In

sura

nce

risk

Tran

sfer

and

/or r

isk a

ssum

ptio

n fo

r all

your

Tena

nts,

Ven

dors

or S

ubco

ntra

ctor

s with

ou

r Ins

uran

ce v

erifi

catio

n pr

ogra

m

As w

ith a

ll ou

r ser

vice

s th

ere

is N

O C

ost a

ssoc

iate

d w

ith th

is P

rogr

am

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

An a

ggre

ssiv

e pr

ogra

m d

esig

ned

to r

ecov

er e

xpen

ses

incu

rred

by

prop

erty

ow

ner’s

uni

nsur

ed lo

sses

whe

n ca

used

by

a th

ird p

arty

.

Our

Goa

l Re

cove

ry o

f inc

urre

d ex

pens

es a

nd/o

r suc

cess

fully

tend

erin

g a

clai

m to

the

resp

onsib

le th

ird p

arty

is

the

purp

ose

of th

e Pr

oper

ty D

amag

e Re

cove

ry P

rogr

am.

We

are

succ

essf

ul w

hen

our c

lient

is m

ade

who

le a

nd th

e pr

oper

ty is

rest

ored

.

Prog

ram

Tra

inin

g &

Dev

elop

men

t W

hile

the

Prop

erty

Dam

age

Reco

very

Pro

gram

is a

met

hod

of o

utso

urci

ng th

e pr

oces

s, w

e un

ders

tand

the

valu

e of

edu

catin

g th

e st

aff d

irect

ly a

ffect

ed b

y th

e pr

oper

ty d

amag

e. O

ur p

rogr

am

deve

lopm

ent a

nd tr

aini

ng fo

cuse

s on

fam

iliar

izing

our

clie

nts w

ith th

e pr

oces

s allo

win

g an

un

ders

tand

ing

of th

e pr

oces

s and

wha

t is t

o be

exp

ecte

d.

Imm

edia

te R

espo

nse

Assi

stan

ce

Pres

erva

tion

is th

e ke

y to

ena

blin

g fa

ctua

l doc

umen

tatio

n re

gard

ing

the

caus

e of

the

loss

and

su

cces

sful

reco

very

from

a th

ird p

arty

. As

sista

nce

with

imm

edia

te st

eps i

s pro

vide

d.

Pr

otec

ting

prop

erty

Se

curin

g th

e sc

ene

Pres

ervi

ng e

vide

nce

Prop

erty

Cla

ims M

anag

emen

t Pro

gram

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Fact

ual D

ocum

enta

tion

Deve

lop

pert

inen

t inf

orm

atio

n re

gard

ing

the

exte

nt o

f the

dam

aged

to p

rope

rty,

cau

satio

n of

the

dam

age,

an

d in

divi

dual

s re

spon

sible

for

the

loss

. Com

plet

e do

cum

enta

tion

is ne

cess

ary

for

succ

essf

ul r

ecov

ery

of

incu

rred

exp

ense

s. T

his

step

of t

he p

roce

ss re

quire

s co

ntac

t with

man

agem

ent,

witn

esse

s, a

nd d

ocum

ents

su

ch a

s pol

ice

repo

rts,

fire

dep

artm

ent r

epor

ts, c

ause

and

orig

in re

port

s etc

.

Cont

act w

ith T

hird

Par

ty

We

cont

act

the

resp

onsib

le t

hird

par

ty o

n be

half

of o

ur c

lient

. O

ur g

oal i

s to

obt

ain

criti

cal i

nfor

mat

ion

rega

rdin

g po

tent

ial m

eans

for r

ecov

ery.

In

sura

nce

cove

rage

ava

ilabl

e to

the

third

par

ty

Cont

ract

ual o

blig

atio

n of

third

par

ty

Dire

ct p

aym

ent b

y th

ird p

arty

Re

imbu

rsem

ent o

f exp

ense

s by

third

par

ty

Repo

rtin

g a

Clai

m

Our

pro

gram

incl

udes

tim

ely

and

accu

rate

cla

im re

port

ing

to a

ny a

vaila

ble

insu

ranc

e ca

rrie

r mai

ntai

ned

by

the

resp

onsib

le th

ird p

arty

. Th

is pr

oces

s in

itiat

es th

e cl

aim

pro

cess

and

incl

udes

fact

ual d

ocum

enta

tion

to

supp

ort o

ur c

lient

’s po

sitio

n.

Docu

men

tatio

n re

gard

ing

the

caus

e of

the

loss

, suc

h as

fire

mar

shal

repo

rts,

ca

use

and

orig

in re

port

s, e

tc.

Exte

nt o

f the

dam

age

to p

rope

rty

Loca

tion

of e

vide

nce,

if re

stor

atio

n ha

s not

bee

n in

itiat

ed

Docu

men

tatio

n of

incu

rred

exp

ense

s

Prop

erty

Cla

ims M

anag

emen

t Pro

gram

Coo

rdin

ate

Inte

ract

ion

Coor

dina

te a

nd c

omm

unic

ate

info

rmat

ion

betw

een

the

assig

ned

adju

ster

(s),

onsit

e m

anag

emen

t, ca

pita

l pr

ojec

t rep

rese

ntat

ives

, con

trac

tors

, etc

.

Iden

tify

all p

artie

s inv

olve

d in

the

clai

m p

roce

ss

Not

ify th

e in

volv

ed p

artie

s of t

he id

entit

y an

d re

spon

sibili

ty o

f oth

er p

artie

s As

sist

with

mai

ntai

ning

a c

lear

cha

nnel

of

com

mun

icat

ion

and

flow

of

info

rmat

ion

betw

een

all p

artie

s

invo

lved

Loss

Doc

umen

tatio

n W

orki

ng in

coo

rdin

atio

n w

ith th

e pr

oper

ty o

wne

r, m

anag

emen

t com

pany

, pro

ject

supe

rviso

r, co

ntra

ctor

and

adj

uste

rs to

ass

embl

e th

e re

quire

d do

cum

enta

tion

nece

ssar

y to

sett

le th

e cl

aim

. Co

nstr

uctio

n co

ntra

cts

Extr

aex

pens

es in

curr

ed a

s a re

sult

of th

e lo

ss

Loss

of b

usin

ess i

ncom

e du

ring

the

perio

d of

rest

orat

ion

and

for a

ny e

xten

ded

perio

d, if

app

licab

le

Expe

ditin

g ex

pens

es

Expe

nses

incu

rred

to d

ocum

ent a

nd fi

le th

e pr

oper

ty cl

aim

Lo

ss P

aym

ent

On

beha

lf of

the

prop

erty

ow

ner,

nego

tiate

pay

men

t of t

he lo

ss th

roug

h in

sura

nce

com

pany

or

dire

ct fr

om th

e th

ird p

arty

. Se

vera

l met

hods

of p

aym

ent a

re u

tilize

d to

reco

ver d

amag

es.

Prop

erty

Cla

ims M

anag

emen

t Pro

gram

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Our

goa

l is

to m

anag

e bo

th d

irect

and

indi

rect

cos

ts b

y th

orou

gh d

ocum

enta

tion

and

inve

stig

atio

n of

all

inci

dent

s. W

e ar

e su

cces

sful

whe

n w

e ha

ve m

inim

ized

the

pote

ntia

l lia

bilit

y on

the

inci

dent

s th

at h

ave

occu

rred

and

real

ized

loss

con

trol

opp

ortu

nitie

s to

redu

ce fu

ture

inci

dent

s.

Prog

ram

Dev

elop

men

t: Th

e Li

abili

ty C

laim

s M

anag

emen

t pr

ogra

m i

s de

velo

ped

base

d on

our

cl

ient

’s hi

stor

ical

per

form

ance

, sho

rt te

rm a

nd lo

ng te

rm r

isk m

anag

emen

t goa

ls. M

ultip

le le

vels

of p

roce

dure

s are

inco

rpor

ated

in th

e pr

ogra

m.

Inte

rnal

pro

cedu

res a

nd re

port

s Ex

tern

al p

roce

dure

s des

igne

d to

pro

perly

not

ify cl

aim

s han

dlin

g re

pres

enta

tives

Su

perv

isory

staf

f res

pons

ible

for t

he im

med

iate

resp

onse

to a

n in

cide

nt

Proc

edur

es a

nd re

port

s to

seni

or m

anag

emen

t

Trai

ning

: Pr

oper

pro

cedu

ral

trai

ning

is

impo

rtan

t in

any

org

aniza

tion.

We

also

und

erst

and

the

valu

e/im

port

ance

of

crea

ting

a cu

lture

tha

t w

ill g

row

as

the

orga

niza

tion

grow

s.

Our

tra

inin

g pr

ogra

m is

des

igne

d to

inco

rpor

ate

both

key

com

pone

nts a

nd in

clud

es:

Supe

rviso

ry a

nd e

mpl

oyee

trai

ning

bas

ed o

n th

e cl

ient

-spe

cific

pro

cedu

res

Hist

oric

al p

erfo

rman

ce o

f our

clie

nt a

s com

pare

d to

futu

re g

oals

Impa

ct o

n ou

r clie

nt’s

prof

itabi

lity

Shor

t ter

m a

nd lo

ng te

rm ri

sk m

anag

emen

t goa

ls In

divi

dual

’s ro

le in

ach

ievi

ng th

e go

als

Liab

ility

Cla

ims M

anag

emen

t Pro

gram

An

agg

ress

ive

clai

ms m

anag

emen

t pro

gram

des

igne

d to

lim

it ex

posu

re w

hile

mai

ntai

ning

our

clie

nt’s

publ

ic im

age.

All p

ropo

sed

serv

ices

con

tain

ed in

this

prop

osal

are

inte

nded

to id

entif

y ty

pes o

f spe

cific

task

s g

ener

ally

use

d in

pro

vidi

ng th

ese

serv

ices

and

shou

ld n

ot b

e co

nstr

ued

as b

indi

ng.

Plea

se re

fer t

o th

e ac

tual

Ser

vice

Agr

eem

ent f

or te

rms a

nd co

nditi

ons.

Emer

genc

y Re

spon

se A

ssist

ance

: Ar

rang

e po

st in

cide

nt m

easu

res

that

are

inte

nded

to m

inim

ize th

e po

tent

ial i

ncre

ased

exp

osur

e ge

nera

ted

by th

e in

cide

nt.

Secu

ring

unsa

fe a

reas

N

otifi

catio

n of

con

ditio

ns to

clie

nts,

resid

ents

, ven

dors

, etc

. Pr

eser

ving

the

scen

e to

pro

tect

its i

nteg

rity

and

enab

le a

n ac

cura

te in

vest

igat

ion

Fact

ual D

ocum

enta

tion:

Doc

umen

tatio

n of

the

cond

ition

s an

d ci

rcum

stan

ces

pres

ent a

t the

tim

e of

th

e re

port

ed in

cide

nt.

Cond

uct a

n in

itial

inve

stig

atio

n of

all

repo

rted

inci

dent

s As

sist m

anag

emen

t with

ass

embl

ing

post

-inci

dent

doc

umen

tatio

n Co

nsid

er p

oten

tial r

isk tr

ansf

er o

ptio

ns a

nd d

ocum

ent a

ccor

ding

ly

Repo

rt c

laim

s to

the

carr

ier i

n a

timel

y m

anne

r pro

vidi

ng a

ccur

ate

and

deci

sive

info

rmat

ion.

Pr

ovid

e th

e in

sura

nce

carr

ier(

s) w

ith a

det

aile

d re

port

of a

ny cl

aim

or p

oten

tial c

laim

U

pdat

e ad

just

er w

ith a

ny k

now

n ch

ange

in c

laim

stat

us

All p

ropo

sed

serv

ices

con

tain

ed in

this

prop

osal

are

inte

nded

to id

entif

y ty

pes o

f spe

cific

task

s g

ener

ally

use

d in

pro

vidi

ng th

ese

serv

ices

and

shou

ld n

ot b

e co

nstr

ued

as b

indi

ng.

Plea

se re

fer t

o th

e ac

tual

Ser

vice

Agr

eem

ent f

or te

rms a

nd co

nditi

ons.

Liab

ility

Cla

ims M

anag

emen

t Pro

gram

Pr

ovid

e in

form

atio

n re

gard

ing

sett

lem

ent o

ppor

tuni

ties,

med

iatio

ns, a

rbitr

atio

n pr

ocee

ding

s and

gen

eral

pr

ogre

ss o

f liti

gate

d m

atte

rs.

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Coor

dina

te C

omm

unic

atio

n: C

oord

inat

e di

rect

con

tact

bet

wee

n th

e as

signe

d ad

just

er,

man

agem

ent

and/

or th

e cl

aim

ant.

Iden

tify

all p

artie

s inv

olve

d in

the

clai

m p

roce

ss

Not

ify th

e in

volv

ed p

artie

s of t

he id

entit

y an

d re

spon

sibili

ty o

f oth

er p

artie

s As

sist w

ith m

aint

aini

ng a

cle

ar c

hann

el o

f com

mun

icat

ion

betw

een

all p

artie

s inv

olve

d

Litig

atio

n M

anag

emen

t: O

rgan

ize th

e as

sem

bly

of in

form

atio

n re

quire

d by

adj

uste

rs, l

egal

repr

esen

tativ

es,

plai

ntiff

cou

ncil

etc.

on

litig

ated

case

s.

Com

plai

nts a

nd co

unte

r-co

mpl

aint

s De

man

d fo

r doc

umen

ts

Inte

rrog

ator

ies

Depo

sitio

ns

All p

ropo

sed

serv

ices

con

tain

ed in

this

prop

osal

are

inte

nded

to id

entif

y ty

pes o

f spe

cific

task

s g

ener

ally

use

d in

pro

vidi

ng th

ese

serv

ices

and

shou

ld n

ot b

e co

nstr

ued

as b

indi

ng.

Plea

se re

fer t

o th

e ac

tual

Ser

vice

Agr

eem

ent f

or te

rms a

nd co

nditi

ons.

Liab

ility

Cla

ims M

anag

emen

t Pro

gram

Insu

ranc

e Pr

ovis

ions

: Com

plia

nce

with

the

insu

ranc

e po

licy

term

s an

d co

nditi

ons

is es

sent

ial t

o av

oidi

ng

the

pote

ntia

l of j

eopa

rdizi

ng th

e af

ford

ed c

over

age.

Dut

ies i

n th

e ev

ent o

f an

occu

rren

ce in

clud

e:

Tim

ely

repo

rtin

g of

spec

ific

info

rmat

ion

surr

ound

ing

the

clai

m

Imm

edia

tely

pro

vide

car

rier

with

cop

ies

of l

egal

doc

umen

ts s

uch

as d

eman

ds,

notic

es,

com

plai

nts,

sum

mon

s, e

tc.

Prov

ide

info

rmat

ion

rega

rdin

g se

ttle

men

t opp

ortu

nitie

s, m

edia

tions

, arb

itrat

ion

proc

eedi

ngs a

nd g

ener

al

prog

ress

of l

itiga

ted

mat

ters

.

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Prov

ide

info

rmat

ion

rega

rdin

g se

ttle

men

t opp

ortu

nitie

s, m

edia

tions

, arb

itrat

ion

proc

eedi

ngs a

nd g

ener

al

prog

ress

of l

itiga

ted

mat

ters

.

Mon

itor

Clai

m:

Aggr

essiv

ely

mon

itor

clai

ms

prog

ress

to

reso

lutio

n an

d cl

aim

clo

sure

by

obta

inin

g sy

stem

atic

upd

ates

on

open

case

s thr

ough

the

assig

ned

adju

ster

and

/or l

egal

cou

ncil.

Clai

m R

evie

ws:

Con

duct

per

iodi

c cl

aim

revi

ews

with

insu

ranc

e ad

just

ers

and/

or le

gal r

epre

sent

ativ

e.

This

is a

key

com

pone

nt to

brin

ging

liab

ility

cla

ims t

o a

timel

y cl

osur

e.

Mon

itor a

djus

ter a

ctiv

ities

on

open

cla

ims

Exam

ine

activ

ities

of l

egal

repr

esen

tativ

es o

n cl

aim

s in

litig

atio

n

Revi

ew th

e ba

sis fo

r the

allo

cate

d re

serv

e am

ount

s ass

igne

d to

cla

ims

Deve

lop

and

mon

itor t

he p

lan

desig

ned

to b

ring

the

clai

m to

clo

sure

Repo

rts

to s

enio

r m

anag

emen

t ar

e de

velo

ped

and

prov

ided

for

the

pur

pose

of

info

rmin

g se

nior

m

anag

emen

t of t

he c

urre

nt tr

ends

, sta

tus

of o

pen

clai

ms,

and

det

ails

on p

robl

emat

ic a

nd/o

r liti

gate

d cl

aim

s.

Qua

rter

ly r

epor

ts t

o se

nior

man

agem

ent

with

a r

epor

t ou

tlini

ng a

ll in

cide

nts

and

prov

idin

g a

deta

iled

repo

rt o

n po

tent

ially

pro

blem

atic

clai

ms.

N

otify

seni

or m

anag

emen

t of p

oten

tially

serio

us c

laim

s on

an a

s-ne

eded

bas

is.

Revi

ew lo

ss c

ontr

ol o

ppor

tuni

ties o

n an

ong

oing

bas

is

All p

ropo

sed

serv

ices

con

tain

ed in

this

prop

osal

are

inte

nded

to id

entif

y ty

pes o

f spe

cific

task

s g

ener

ally

use

d in

pro

vidi

ng th

ese

serv

ices

and

shou

ld n

ot b

e co

nstr

ued

as b

indi

ng.

Plea

se re

fer t

o th

e ac

tual

Ser

vice

Agr

eem

ent f

or te

rms a

nd co

nditi

ons.

Liab

ility

Cla

ims M

anag

emen

t Pro

gram

Am

eric

a's

Floo

d In

sura

nce

Expe

rts

Insu

ranc

e Pr

ogra

m B

id P

roce

ss

The

insu

ranc

e bi

d pr

oces

s inv

olve

s a n

umbe

r of c

ompo

nent

s tha

t are

crit

ical

to th

e fin

al p

ropo

sal.

Each

of t

hese

com

pone

nts m

ust b

e pe

rfor

med

in a

tim

ely

and

effic

ient

man

ner.

Brok

er se

lect

ion

Deve

lopm

ent o

f bid

spec

ifica

tions

M

arke

t ass

ignm

ents

Pr

opos

al p

rese

ntat

ion

by th

e pa

rtic

ipat

ing

brok

ers

Neg

otia

tions

Pr

opos

al C

ompa

rison

A

thor

ough

pro

posa

l com

paris

on is

dev

elop

ed to

pro

vide

our

clie

nt w

ith a

pro

fess

iona

l an

alys

is/co

mpa

rison

of t

he ri

sk m

anag

emen

t and

insu

ranc

e op

tions

. The

repo

rt is

dev

elop

ed a

nd

incl

udes

hist

oric

al d

ocum

enta

tion

to e

stim

ate

dire

ct a

nd in

dire

ct c

ost o

f the

var

ious

opt

ions

. Pr

opos

al Im

plem

enta

tion

Base

d on

our

clie

nt’s

deci

sion,

we

will

pro

ceed

with

the

impl

emen

tatio

n of

the

risk

rete

ntio

n an

d ris

k tr

ansf

er p

rogr

am.

Insu

ranc

e Bi

d Pr

oces

s

Am

eric

a's

Floo

d In

sura

nce

Expe

rts