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<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>
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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>
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color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";
color:black"><img width="190" height="53" id="_x0000_i1035" src="cid:image001.png@01CEB2D7.54079960" alt="Carlton Fields"></span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><br>
</span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";
color:black">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<br>
<br>
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color:#1F497D"><o:p></o:p></span></p>
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<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>
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<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 [mailto:tutwiler@publicadjuster.com]
<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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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"">
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<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_i1031" 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>
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<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>
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<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;
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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>
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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
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