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60 CASE 0:12-cv PJS-FLN Document 28-1 Filed 10/26/12 Page 2 of 4 ASSURANT INC Form 10-K filed on Feb 23, :25:40 Exhibits Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2011 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to OR Commission file number Assurant, Inc. (Exact name of registrant as specified in its charter) Delaware (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Employer Identification No.) One Chase Manhattan Plaza, 41st Floor New York, New York (Address of Principal Executive Offices) (Zip Code) Registrant s telephone number, including area code: (212) Securities registered pursuant to Section 12(b) of the Act: Title of Each Class Common Stock, $0.01 Par Value Securities registered pursuant to Section 12(g) of the Act: None Name of Each Exchange on Which Registered New York Stock Exchange Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes x No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes No x Note Checking the box above will not relieve any registrant required to file reports pursuant to Section 13 or 15(d) of the Exchange Act from their obligations under those Sections. Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No 2012 Bloomberg Finance L.P. All rights reserved. For terms of service see bloomberglaw.com // PAGE 1 Document Link:

61 CASE 0:12-cv PJS-FLN Document 28-1 Filed 10/26/12 Page 3 of 4 ASSURANT INC, Form 10-K, File Number , Filed Feb 23, Period date: Dec 31, Corporate Filing Table of Contents Products and Services Assurant Specialty Property s business strategy is to pursue long-term growth in lender-placed homeowners insurance, and adjacent markets with similar characteristics, such as lender-placed flood insurance, and renters insurance. Assurant Specialty Property also writes other specialty products. In June 2011 we acquired SureDeposit, the market leader in rental security deposit alternatives. We believe that this acquisition will help build our niche multi-family housing business which is focused on distribution through property managers. Lender-placed and voluntary homeowners insurance: The largest product line within Assurant Specialty Property is homeowners insurance, consisting principally of fire and dwelling hazard insurance offered through our lender-placed programs. The lender-placed program provides collateral protection to lenders, mortgage servicers and investors in mortgaged properties in the event that a homeowner does not maintain insurance on a mortgaged dwelling. Lender-placed insurance coverage is not limited to the outstanding loan balance; it provides structural coverage, similar to that of a standard homeowners policy. The policy is based on the replacement cost of the property and ensures that a home can be repaired or rebuilt completely in the event of damage. It protects both the lender s interest and the borrower s interest and equity. We also provide insurance to some of our clients on properties that have been foreclosed and are being managed by our clients. This type of insurance is called Real Estate Owned ( REO ) insurance. This market experienced significant growth in recent years as a result of the housing crisis, but is now stabilizing. In the majority of cases, we use a proprietary insurance-tracking administration system linked with the administrative systems of our clients to continuously monitor the clients mortgage portfolios to verify the existence of insurance on each mortgaged property and identify those that are uninsured. If a potential lapse in insurance coverage is detected, we begin a process of notification and outreach to both the homeowner and the last-known insurance carrier or agent through phone calls and written correspondence. This process usually takes 75 days to complete. If at the end of this process we still cannot verify that insurance has not lapsed, a lender-placed policy is procured by the lender. The homeowner is still encouraged, and always maintains the option, to obtain or renew the insurance of his or her choice. Lender-placed and voluntary manufactured housing insurance: Manufactured housing insurance is offered on a lender-placed and voluntary basis. Lender-placed insurance is issued after an insurance tracking process similar to that described above. The tracking is performed by Assurant Specialty Property using a proprietary insurance tracking administration system, or by the lenders themselves. A number of manufactured housing retailers in the U.S. use our proprietary premium rating technology to assist them in selling property coverages at the point of sale. Other insurance: We believe there are opportunities to apply our lender-placed business model to other products and services. We have developed products in adjacent and emerging markets, such as the lenderplaced flood and mandatory insurance rental markets. We also act as an administrator for the U.S. Government under the voluntary National Flood Insurance Program, for which we earn a fee for collecting premiums and processing claims. This business is 100% reinsured to the Federal Government. Marketing and Distribution Assurant Specialty Property establishes long-term relationships with leading mortgage lenders and servicers. The majority of our lender-placed agreements are exclusive. Typically these agreements have terms of three to five years and allow us to integrate our systems with those of our clients. We offer our manufactured housing insurance programs primarily through manufactured housing lenders and retailers, along with independent specialty agents. The independent specialty agents distribute flood products and miscellaneous specialty property products. Multi-family housing products are distributed primarily through property management companies and affinity marketing partners. Underwriting and Risk Management Our lender-placed homeowners insurance program and certain of our manufactured home products are not underwritten on an individual policy basis. Contracts with our clients require us to automatically issue these policies when a borrower s insurance coverage is not maintained. These products are priced to factor in the lack of individual policy underwriting. We monitor pricing adequacy based on a variety of factors and adjust 2012 Bloomberg Finance L.P. All rights reserved. For terms of service see bloomberglaw.com // PAGE 10 Document Link:

62 CASE 0:12-cv PJS-FLN Document 28-1 Filed 10/26/12 Page 4 of 4 ASSURANT INC, Form 10-K, File Number , Filed Feb 23, Period date: Dec 31, Corporate Filing pricing as required, subject to regulatory constraints Bloomberg Finance L.P. All rights reserved. For terms of service see bloomberglaw.com // PAGE 11 Document Link:

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