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<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Certainly not an expert on this issue, but we are following closely as it unfolds and impacts NFIP policyholders and prospective policyholders (read: buyers). Can suggest the
names of some folks who are conversant in BW12 intricacies. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Though ultimately Federal in nature, the issue will likely be discussed in next week’s House Insurance & Banking Subcommittee meeting (Tuesday, 9:00 – 11:00 a.m.). We’ve also
been contacted by a very concerned Senator who represents Pinellas County – ground zero for flood insurance policies in Florida. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#72B93B">Trey Goldman<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#797979"><br>
Legislative Counsel</span><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#73BA3C">
</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#797979">|</span><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#73BA3C">
</span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#72B93B">Florida</span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#4681B5">Realtors®<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#797979">200 South Monroe Street, Tallahassee, FL 32301<br>
</span><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#71B83A">talk:</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#777777"> 850.224.1400 x2505<br>
</span><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#71B83A">direct:
</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#777777">850.521.3277
</span><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#71B83A"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#73BA3C">visit:</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#797979">
</span><u><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:blue"><a href="http://www.floridarealtors.org">http://www.floridarealtors.org</a><o:p></o:p></span></u></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#7B7B7B">The Voice for Real Estate® in Florida<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#7B7B7B"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Helvetica","sans-serif";color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:black"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";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""> liability_insurance-bounces@lists.flabarrpptl.org [mailto:liability_insurance-bounces@lists.flabarrpptl.org]
<b>On Behalf Of </b>fred.dudley@hklaw.com<br>
<b>Sent:</b> Thursday, September 19, 2013 9:28 AM<br>
<b>To:</b> spence@carltonfields.com; liability_insurance@lists.flabarrpptl.org<br>
<b>Subject:</b> Re: [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>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">I agree, but as you know "public adjustors" and the insurance companies frequently disagree (to put it very mildly), as a result of which I would suggest a
"balanced" panel approach to any such CLE program.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="line-height:15.75pt"><b><span style="font-size:11.5pt;font-family:"Calibri","sans-serif";color:black">Frederick Dudley</span></b><span style="font-size:11.5pt;font-family:"Calibri","sans-serif";color:black"> |
</span><b><span style="font-size:10.5pt;font-family:"Georgia","serif";color:#001A63">Holland & Knight</span></b><span style="font-size:11.5pt;font-family:"Calibri","sans-serif";color:black"><br>
Board Certified Construction Lawyer<br>
315 South Calhoun Street, Suite 600 | Tallahassee FL 32301<br>
Phone 850.425.5668 | Fax 850.224.8832 | Cell 850.294.3471<br>
<a href="mailto:fred.dudley@hklaw.com"><span style="color:#002776;text-decoration:none">fred.dudley@hklaw.com</span></a> |
<a href="http://www.hklaw.com/"><span style="color:#002776;text-decoration:none">www.hklaw.com</span></a>
</span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><span style="font-size:8.5pt;font-family:"Calibri","sans-serif";color:#BBBBBB">________________________________________________<br>
</span><span style="font-size:8.5pt;font-family:"Calibri","sans-serif";color:#999999"><a href="http://www.hklaw.com/vcard.aspx?user=frdudley"><span style="color:#00A9E0;text-decoration:none">Add to address book</span></a></span><span style="font-size:8.5pt;font-family:"Calibri","sans-serif";color:#00A9E0">
| <a href="http://www.hklaw.com/id77/biosfrdudley"><span style="color:#00A9E0;text-decoration:none">View professional biography</span></a>
</span><o:p></o:p></p>
<div>
<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal" style="margin-left:.5in"><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"">
<a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">liability_insurance-bounces@lists.flabarrpptl.org</a> [<a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">mailto:liability_insurance-bounces@lists.flabarrpptl.org</a>]
<b>On Behalf Of </b>Pence, Scott<br>
<b>Sent:</b> Monday, September 16, 2013 12:22 PM<br>
<b>To:</b> <a href="mailto:liability_insurance@lists.flabarrpptl.org">liability_insurance@lists.flabarrpptl.org</a><br>
<b>Subject:</b> [Liability Insurance] FW: The Looming Disaster from National Flood Rates</span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Folks,</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><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. </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><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.
</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Thanks,</span><o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<div>
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<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@01CEB62B.E97019D0" 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><o:p></o:p></p>
</div>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="margin-left:.5in"><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</span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"> </span><o:p></o:p></p>
<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal" style="margin-left:.5in"><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</span><o:p></o:p></p>
</div>
<p class="MsoNormal" style="margin-left:.5in"> <o:p></o:p></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"">
</span><o:p></o:p></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><o:p></o:p></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"">
</span><o:p></o:p></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><o:p></o:p></p>
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<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><o:p></o:p></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><o:p></o:p></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><o:p></o:p></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><o:p></o:p></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><o:p></o:p></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_i1032" src="http://d31hzlhk6di2h5.cloudfront.net/20130730/e1/ba/fc/21/207c0b8a3c1537df38a27ece_174x219.jpg" alt="Florida Public Adjuster Insurance Claims"></span></a></span><o:p></o:p></p>
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</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"">
</span><o:p></o:p></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;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 </span><o:p></o:p></p>
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<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
</span><o:p></o:p></p>
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