America's Flood Insurance Experts
Transcript of America's Flood Insurance Experts
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
M d
esig
natio
n.
Prop
erty
Man
agem
ent R
efer
ence
s
Prop
erty
Man
agem
ent
Prop
erty
Man
agem
ent
Prop
erty
Man
agem
ent
RAM
Par
tner
s Z
RS M
anag
emen
t T
he S
hopt
aw G
roup
Ste
rling
Tru
st
Sau
l Silb
er P
rope
rtie
s P
rogr
essiv
e M
anag
emen
t **
Grim
sley
Prop
ertie
s **
PM
C Pr
oper
ties
Per
imet
er R
ealty
Flo
rida
Man
agem
ent *
* A
xiom
Cap
ital G
roup
T
he C
olum
bia
Prop
erty
Gro
up, I
nc. *
*
Mad
ison
Capi
tal
Sun
Stat
es M
anag
emen
t **
Sout
heas
t Cap
ital P
artn
ers
Dan
iel C
orpo
ratio
n Ex
pres
s Lan
e In
c.
Herit
age
Prop
ertie
s **
McG
urn
Prop
ertie
s Re
genc
y M
ulti
Fam
ily
Wat
erst
one
New
man
Dai
ley
Tillm
an P
rope
rtie
s De
ver D
evel
opm
ent
Com
mer
cial
Con
sulta
nts C
orp
Relia
nce
Hous
ing
Foun
datio
n RJ
Fin
lay
Finl
ay M
anag
emen
t Ra
ndco
r *S
un A
mer
ica
Am
eric
a's
Floo
d In
sura
nce
Expe
rts
Cond
omin
ium
Ass
ocia
tion
Refe
renc
es
Cond
o As
soci
atio
ns
Cond
o As
soci
atio
ns
Cond
o As
soci
atio
ns
Adag
io C
omm
unity
Ass
n Bu
ngal
os
Encl
ave
Com
m P
rop
HOA
2100
Con
dom
iniu
m A
ssn
Burn
t Pin
e HO
A Fr
angi
sta
Beac
h
1800
Atla
ntic
Con
do A
ssn
Burn
t Pin
e Ea
st H
OA
Geno
a HO
A
Arie
l Dun
es
Carib
bean
Dun
es
Gran
d Ha
rbou
r
Oce
an C
reek
Pla
ntat
ion
Cape
Cor
al C
ove
Upt
own
Cond
o
Augu
sta
Villa
ge
Carib
bean
Isle
s Hi
gh P
oint
Cou
ntry
Clu
b Co
ndo
Bays
ide
COA
Cars
on O
aks H
OA
Sand
estin
/Har
bour
Pt
Bays
ide
Ow
ners
HO
A Ch
urch
Str
eet V
illag
e
Hero
n W
alk
Beac
hsid
e I
Crys
tal C
ove
Indi
anol
a
Beac
hsid
e II
Dune
s of D
estin
HO
A In
dies
Wes
t Con
dom
iniu
m
Blue
Sur
f Em
eral
d Po
int C
ondo
Lu
cern
e Co
ndom
iniu
m
Bon
Villa
s HO
A En
clav
e Co
ndo
Assn
N
orth
Sho
re
Am
eric
a's
Floo
d In
sura
nce
Expe
rts
Cond
omin
ium
Ass
ocia
tion
Refe
renc
es
Cond
o As
soci
atio
ns
Cond
o As
soci
atio
ns
Cond
o As
soci
atio
ns
Palm
Cov
e So
uthw
inds
III
Wes
twin
ds
Park
Pla
ce o
n Se
agro
ve
Ster
ling
Bree
ze
Dune
s of P
anam
a
Peac
htre
e Pl
ace
I St
erlin
g Sa
nds
Silv
er S
hells
Peac
htre
e Pl
ace
II Su
mm
ersp
ell O
wne
rs
Beac
h Re
sort
Peac
htre
e Pl
ace
Mas
ter
Inn
at S
umm
erw
ind
Be
ach
Retr
eat
Refle
ctio
ns
Tivo
li by
the
Sea
I Be
lla V
ita
Seas
cape
HO
A Ti
voli
by th
e Se
a II
Crys
tal V
illag
e I
Seas
cape
Num
ber 1
0 As
sn
Turn
berr
y Vi
llas
Crys
tal V
illag
e II
Seas
cape
Pha
se I
The
Vera
ndas
Cr
ysta
l Vie
w
Sout
hwin
ds
Wat
ers E
dge
Turn
berr
y II
Sere
nata
Vi
llas a
t Mar
sh L
andi
ng
Villa
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