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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>From a brief we wrote:<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'><o:p> </o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>BUILDER’S CGLs cover “property damage” caused by an “occurrence,”<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>and defines “property damage,” in part, as “physical injury to tangible property.”<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>INSURER now argues that BUILDER’S claims do not constitute “property<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>damage,” contending that damage to the homes themselves cannot constitute<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>“property damage.” That contention, however, does not comport with the<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>definition of “property damage” in the policy. More specifically, the definition of<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>“property damage” in this case <b>does not </b>state “physical injury to tangible property<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>of <b>others</b>” or “physical injury to tangible property <b>of third parties,</b>” or “physical<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>injury to <b>work not performed by the insured or its subcontractors</b>.” Carriers<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>can, and have, included such definitions of property damage in their policy. See<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>Adair Group v. St. Paul Fire & Marine, 2005 U.S. Dist. LEXIS 32102 (D. Colo.<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>2005) (no coverage where “property damage” was <b>defined </b>as damage to property<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>of others) and Nabholz Constr. Corp. v. St. Paul Fire & Marine, 354 F. Supp. 2d<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.5pt'>917 (E.D. Ark. 2005) (same). Rather, by its explicit terms, the “property damage”<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.5pt'>definition only requires that there be physical injury to tangible property.</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#365F91'><o:p> </o:p></span></b></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal style='margin-left:.2in'><b><span style='font-size:16.0pt;font-family:"Arial","sans-serif";color:black'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Arial","sans-serif";color:black'>Mark A. Boyle, Sr., Esq.<o:p></o:p></span></b></p><p class=MsoNormal style='line-height:80%'><span style='font-size:22.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>B</span><span style='font-size:20.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>oyle</span><span style='font-size:18.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>,</span><span style='font-size:10.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'> </span><span style='font-size:22.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>G</span><span style='font-size:20.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>entile</span><span style='font-size:18.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>,</span><span style='font-size:22.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal style='line-height:80%'><span style='font-size:22.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>L</span><span style='font-size:20.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>eonard</span><span style='font-size:10.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'> </span><span style='font-size:22.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>&</span><span style='font-size:10.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'> </span><span style='font-size:22.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>C</span><span style='font-size:20.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>rockett</span><span style='font-size:18.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>,</span><span style='font-size:24.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'> </span><span style='font-size:16.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'>P.A.<o:p></o:p></span></p><p class=MsoNormal style='line-height:80%'><b><span style='font-size:11.0pt;line-height:80%;font-family:"Goudy Old Style","serif";color:#1F497D;letter-spacing:3.0pt'>ATTORNEYS AT LAW</span></b><span style='font-size:22.0pt;line-height:80%;font-family:"Imprint MT Shadow";font-variant:small-caps;color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:.1in'><span style='font-size:10.0pt;font-family:"Lucida Fax","serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal style='margin-left:.2in'><span style='font-size:10.0pt;font-family:"Lucida Fax","serif";color:#1F497D'>2050 McGregor Boulevard</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:.2in'><span style='font-size:10.0pt;font-family:"Lucida Fax","serif";color:#1F497D'>Fort Myers, FL 33901</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:.2in'><span style='font-size:10.0pt;font-family:Wingdings;color:gray'>(</span><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'> </span><span style='font-size:10.0pt;font-family:"Lucida Fax","serif";color:#1F497D'>(239) 337-1303 Phone</span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'><br></span><span style='font-size:13.5pt;font-family:Wingdings;color:gray'>2</span><span style='font-size:13.5pt;font-family:"Tahoma","sans-serif";color:#1F497D'> </span><span style='font-size:10.0pt;font-family:"Lucida Fax","serif";color:#1F497D'>(239) 337-7674 fax</span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'><br></span><span style='font-size:10.0pt;font-family:Wingdings;color:gray'>*</span><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'> </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="mailto:ecombs@FBGLAWFIRM.COM"><span style='font-size:10.0pt;font-family:"Lucida Fax","serif"'>mboyle@boylegentilelaw.com</span></a></span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:#1F497D'> </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:.2in'><span style='font-size:8.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal style='text-align:justify'><i><span style='font-size:7.5pt;font-family:"Arial Rounded MT Bold","sans-serif";color:navy'>This electronic message transmission contains information from this law firm which may be confidential or privileged and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately from your system. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late, incomplete or may contain viruses. Be advised that e-mail is not secure so the sender advises you that you should not send personal or confidential information, which you may wish to protect, in any reply. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission. If verification is required please request a hard-copy version. IRS Circular 230 Disclosure. To the extent this e-mail contains federal tax advice, such advice was not intended to be used, and cannot be used by any taxpayer, for the purpose of: 1) avoiding penalties under the Internal Revenue Code or 2) promoting, marketing, or recommending to another party any transaction or matter addressed herein. If you would like us to prepare written tax advice designed to provide penalty protection, please contact us and we will be happy to discuss this matter with you in more detail.</span></i><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> liability_insurance-bounces@lists.flabarrpptl.org [mailto:liability_insurance-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Pence, Scott<br><b>Sent:</b> Monday, September 16, 2013 12:22 PM<br><b>To:</b> liability_insurance@lists.flabarrpptl.org<br><b>Subject:</b> [Liability Insurance] FW: The Looming Disaster from National Flood Rates<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Folks,<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Per the discussion on our call today, please see the article below written by Dick Tutwiler and the two news articles embedded in his article. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>We would like to put together a CLE on this topic to be presented at the Executive Council meeting in Sarasota in November. Please let me know if you have any thoughts or comments relating to the Bill and/or if you or anyone you know has experienced any issues related to the Bill. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Thanks,<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal style='margin-bottom:12.0pt'><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><img border=0 width=190 height=53 id="_x0000_i1025" src="cid:image001.png@01CEB2DB.440E68A0" alt="Carlton Fields"><br>Scott Pence</span></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>4221 W. Boy Scout Blvd., Ste. 1000<br>Tampa, Florida 33607-5780 <br>Direct: 813.229.4322 | Fax: 813.229.4133</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> Wright, Wm. Cary <br><b>Sent:</b> Wednesday, July 31, 2013 9:37 AM<br><b>To:</b> Michael G. Meyer; Pence, Scott<br><b>Subject:</b> FW: The Looming Disaster from National Flood Rates<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> Tutwiler-PublicAdjuster.com [<a href="mailto:tutwiler@publicadjuster.com">mailto:tutwiler@publicadjuster.com</a>] <br><b>Sent:</b> Wednesday, July 31, 2013 6:00 AM<br><b>To:</b> Wright, Wm. Cary<br><b>Subject:</b> The Looming Disaster from National Flood Rates<o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:10.0pt'><img border=0 width=1 height=1 id="_x0000_i1026" src="http://e2.ma/track/d4asl/p1stk"><o:p></o:p></span></p><p class=MsoNormal align=center style='text-align:center'><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:dimgray'>If you're having trouble viewing this email, you may <a href="http://e2.ma/message/d4asl/p1stk"><span style='color:dimgray'>see it online</span></a>. <o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><div><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=875 style='width:525.0pt'><tr><td valign=top style='padding:0in 0in 3.75pt 0in'><p class=MsoNormal align=right style='text-align:right'><b><span style='font-size:10.5pt;font-family:"Helvetica","sans-serif";color:#444444;position:relative;top:-4.0pt;mso-text-raise:4.0pt'>Share this:</span></b><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'> <a href="http://e2.ma/share/outbound/e/d4asl/p1stk"><span style='text-decoration:none'><img border=0 id="_x0000_i1027" src="http://app.e2ma.net/media/themes/default/img/socialnetworks/email.png"></span></a><a href="http://e2.ma/share/outbound/t/d4asl/p1stk"><span style='text-decoration:none'><img border=0 id="_x0000_i1028" src="http://app.e2ma.net/media/themes/default/img/socialnetworks/twitter.png"></span></a><a href="http://e2.ma/share/outbound/f/d4asl/p1stk"><span style='text-decoration:none'><img border=0 id="_x0000_i1029" src="http://app.e2ma.net/media/themes/default/img/socialnetworks/facebook.png"></span></a><a href="http://e2.ma/share/outbound/l/d4asl/p1stk"><span style='text-decoration:none'><img border=0 id="_x0000_i1030" src="http://app.e2ma.net/media/themes/default/img/socialnetworks/linkedin.png"></span></a><o:p></o:p></span></p></td></tr><tr><td valign=top style='padding:0in 0in 0in 0in'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%'><tr><td valign=top style='padding:0in 0in 0in 0in'><p class=MsoNormal align=center style='text-align:center'><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><a href="http://e2.ma/click/d4asl/p1stk/hvmqyc" target="_blank"><span style='text-decoration:none'><img border=0 id="_x0000_i1031" src="http://e2ma.net/userdata/1350587/images/templates/tutwiler_jk_01.gif" alt="Tutwiler | PublicAdjuster.com | Putting Your Insurance to Work For You. | www.PublicAdjuster.com"></span></a><o:p></o:p></span></p></td></tr><tr><td valign=top style='border-top:none;border-left:solid #DADADA 1.0pt;border-bottom:none;border-right:solid #DADADA 1.0pt;background:white;padding:7.5pt 7.5pt 0in 7.5pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%'><tr><td valign=top style='padding:0in 0in 0in 0in'></td></tr><tr><td valign=top style='padding:0in 0in 0in 0in'></td></tr></table></td></tr></table></td></tr><tr><td valign=top style='border-top:none;border-left:solid #DADADA 1.0pt;border-bottom:none;border-right:solid #DADADA 1.0pt;background:white;padding:7.5pt 7.5pt 7.5pt 7.5pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%' id="block_epumtnzh"><tr><td width="70%" valign=top style='width:70.0%;padding:0in 0in 0in 0in'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%'><tr><td style='padding:0in 0in 3.75pt 0in'></td></tr><tr><td valign=top style='padding:0in 3.75pt 3.75pt 3.75pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%'><tr><td valign=top style='padding:0in 0in 0in 0in'><div><div style='margin-bottom:7.5pt'><p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:15.0pt;font-family:"Helvetica","sans-serif";color:#2C5CFF'>The Looming Disaster Over Flood Insurance Premiums</span></strong><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'> <o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>Our public adjusting firm, Tutwiler & Associates has been very busy over the last eight months dealing with Super Storm Sandy insurance claims. Those who were on the ground in the Northeast know that Sandy was a major flood event. Because the combined losses from both Sandy and Katrina far exceeded surplus and expected premium collections, the National Flood Insurance Program claims they are seriously in the red. Depending on whom you ask the shortfall may be in excess of $20 billion. </span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>On the claims side of this issue, many policyholders with flood damage learned some very hard lessons on the coverage and payment limitations of the National Flood Insurance Program. From firsthand experience with our clients, to emails and phone calls, we have fielded questions and tried to provide answers, suggestions, solutions or options on this blog. Now, the other shoe has dropped on this federal insurance program and we want to provide our readers’ insight into the story which will be rolling out in more detail as flood premium notices hit the mail boxes of policyholders.</span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'> <o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>But first I want to make it clear that I have always been a big advocate of property owners buying flood coverage (including excess flood if warranted) if located in a flood zone or an area with flooding potential due to the flood exclusions that exist in almost all admitted and surplus lines property policies. The flood peril in this country is huge as you will see in the flood video below. And you don’t even need to be in a flood zone to experience a major flood loss. Stated another way, we have had clients far removed from coastal beaches who have sustained major flood damage. In fact, the flood policies will provide flood converge if two adjoining properties are flooded and/or two or more acres are flooded. Flooding can happen anywhere and you don’t have to be in a flood zone to buy this coverage. </span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>My other reason for encouraging this coverage was that it was cheap compared to other property insurance sold in the private market. Now, this is all about to change and I predict this change will have a major impact on real estate values, particularly in coastal communities. More importantly, it will impact the financial well being of families who have to pay much higher premiums or forced to sell because they can’t afford the rate increases. And of course, those who decide to go without flood insurance take another type of financial risk. </span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>How serious is this? As an example, we attended an event sponsored by a local real estate broker and large insurance agency last week. One realtor gave an example of a property that was under contract with a $25,000 deposit. When the prospective buyer heard about the new cost of the flood insurance premiums, they immediately walked away and gave up their deposit. </span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>While some press coverage has been given to this pending maelstrom for property owners requiring flood coverage, See: <a href="http://e2.ma/click/d4asl/p1stk/xnnqyc" title="Rising Flood Policy Rates">Premiums Rising for National Flood Insurance Program</a>, the facts of the proposed premium increases are just starting to leak out in bits and drabs. This recent article <a href="http://e2.ma/click/d4asl/p1stk/dgoqyc" title="Flood Plan Increases Will Shock Homeowners">Outrage as Homeowners Prepare for Substantially Higher Flood Insurance Rates</a> lays out the impact and unintended consequences this situation is already having on flood policy homeowners. </span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>So where did the authority come from to make these changes? It was an act of Congress with legislation called the Biggert-Waters Act passed in 2012. Apparently, without sound actuarial market rates, this program would not have be reauthorized and according to some, this would have been the end of the flood insurance program. </span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>This video link provides some background and history on flood risk, the National Flood Insurance Program and attempts to play down the impact of these premium increases. <a href="http://e2.ma/click/d4asl/p1stk/t8oqyc">http://vimeo.com/67835375</a> </span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><o:p></o:p></span></p></div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span class=e2ma-style><span style='font-size:11.5pt;font-family:"Tahoma","sans-serif"'>Pass this along folks, the public needs to know what’s coming. Let me know where you think all this is heading.</span></span><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'> <o:p></o:p></span></p></div></div></td></tr></table></td></tr></table></td><td width="30%" valign=top style='width:30.0%;padding:0in 0in 0in 0in'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%' id="block_rghqmadj"><tr><td style='padding:0in 0in 3.75pt 0in'></td></tr><tr><td valign=top style='padding:0in 3.75pt 3.75pt 3.75pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%'><tr><td valign=top style='padding:0in 0in 0in 0in'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%'><tr><td width="100%" valign=top style='width:100.0%;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=MsoNormal align=center style='text-align:center'><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><a href="http://e2.ma/click/d4asl/p1stk/90pqyc" target="_blank"><span style='text-decoration:none'><img border=0 width=174 height=219 id="_x0000_i1032" src="http://d31hzlhk6di2h5.cloudfront.net/20130730/e1/ba/fc/21/207c0b8a3c1537df38a27ece_174x219.jpg" alt="Florida Public Adjuster Insurance Claims"></span></a><o:p></o:p></span></p></td></tr></table><div><div style='margin-bottom:7.5pt'><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><br></span><strong><span style='font-size:10.5pt;font-family:"Helvetica","sans-serif"'>Dick Tutwiler</span></strong><b><span style='font-size:10.5pt;font-family:"Helvetica","sans-serif"'><br></span></b><em><span style='font-size:10.5pt;font-family:"Helvetica","sans-serif"'>"When the prospective buyer heard about the new cost of the flood insurance premiums, they immediately walked away and gave up their deposit to purchase the home."</span></em><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'> <o:p></o:p></span></p></div></div></td></tr></table></td></tr></table></td></tr></table></td></tr><tr style='height:11.25pt'><td style='border-top:solid #F0F0F0 1.0pt;border-left:solid #DADADA 1.0pt;border-bottom:none;border-right:solid #DADADA 1.0pt;background:white;padding:0in 0in 0in 0in;height:11.25pt'><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><img border=0 width=1 height=15 id="_x0000_i1033" src="http://e2ma.net/userdata/images/spacer.gif"><o:p></o:p></span></p></td></tr><tr><td valign=top style='border-top:none;border-left:solid #DADADA 1.0pt;border-bottom:none;border-right:solid #DADADA 1.0pt;background:white;padding:0in 0in 0in 0in'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%'><tr><td width="50%" valign=top style='width:50.0%;border:none;border-right:solid #CCCCCC 1.0pt;padding:0in 7.5pt 0in 12.0pt'><p class=MsoNormal><strong><span style='font-size:8.5pt;font-family:"Arial","sans-serif";color:#666666'><a href="http://e2.ma/click/d4asl/p1stk/ptqqyc" target="_blank"><span style='color:#666666;font-weight:normal'>Tutwiler & Associates</span></a></span></strong><span style='font-size:8.5pt;font-family:"Arial","sans-serif";color:#666666'><br>Licensed Public Insurance Adjusters & Loss Consultants<br><strong><span style='font-family:"Arial","sans-serif"'>Executive Office</span></strong><br>5401 W. Kennedy Blvd., Ste. 757<br>Tampa, FL 33609<br><br></span><strong><span style='font-family:"Arial","sans-serif";color:#666666'>Florida License# A269833</span></strong><span style='font-size:8.5pt;font-family:"Arial","sans-serif";color:#666666'><br>Offices: Tampa, Hollywood, Palm City, Florida <o:p></o:p></span></p></td><td width="50%" valign=bottom style='width:50.0%;padding:0in 7.5pt 0in 15.0pt'><p class=MsoNormal><span style='font-size:8.5pt;font-family:"Arial","sans-serif";color:#666666'><a href="mailto:info@publicadjuster.com" target="_blank"><span style='color:#666666'>info@publicadjuster.com</span></a> • <strong><span style='font-family:"Arial","sans-serif"'><a href="http://e2.ma/click/d4asl/p1stk/5lrqyc" target="_blank"><span style='color:#666666;font-weight:normal;text-decoration:none'>www.PublicAdjuster.com</span></a></span></strong><br>Toll Free:800.321.4488 • Phone:813.287.8090<br><br>Also licensed as public adjusters in: Georgia, Kentucky, Louisiana, New York, North Carolina, South Carolina, Tennessee, Texas, West Virginia, and U.S. Virgin Islands <o:p></o:p></span></p></td></tr></table></div></td></tr><tr><td valign=top style='padding:0in 0in 0in 0in'><p class=MsoNormal align=center style='text-align:center'><span style='font-size:9.0pt;font-family:"Helvetica","sans-serif"'><img border=0 id="_x0000_i1034" src="http://e2ma.net/userdata/1350587/images/templates/tutwiler_jk_03.gif"><o:p></o:p></span></p></td></tr></table></div><p class=MsoNormal align=center style='text-align:center'><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:#333333'><br></span><span class=e2ma-unsubscribe><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:dimgray'>This email was sent to <b><a href="mailto:cwright@carltonfields.com">cwright@carltonfields.com</a></b>.</span></span><span class=e2ma-unsubscribe><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:#333333'> </span></span><span class=e2ma-unsubscribe><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:dimgray'>To ensure that you continue receiving our emails, please add us to your address book or safe list. </span></span><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:#333333'><br><br></span><span class=e2ma-unsubscribe><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:dimgray'><a href="https://app.e2ma.net/app2/audience/signup/1350858/1350587/17706939/?v=a"><b>manage</b></a> your preferences | <a href="http://e2.ma/optout/d4asl/p1stk?r=aHR0cHM6Ly9hcHAuZTJtYS5uZXQvYXBwMi9hdWRpZW5jZS9vcHRfb3V0LzEzNTA4NTgvMTM1MDU4Ny8xNzcwNjkzOS8_dj1h"><b>opt out</b></a> using <b>TrueRemove</b>®.</span></span><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:dimgray'><br><br><span class=e2ma-unsubscribe>Got this as a forward? <a href="https://app.e2ma.net/app2/audience/signup/1350858/1350587.19316667/?v=a"><b>Sign up</b></a> to receive our future emails. </span></span><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";color:#333333'><br><br><a href="http://e2.ma/click/d4asl/p1stk/lesqyc" target="_blank"><span style='text-decoration:none'><img border=0 id="_x0000_i1035" src="http://e2ma.net/userdata/24/images/templates/poweredby_regular.png" alt="powered by emma"></span></a><o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></div></body></html>