January 25-28, 2009 Rosen Centre Hotel Orlando, Florida

10th Annual Windstorm Insurance Conference January 25-28, 2009 Rosen Centre Hotel Orlando, Florida An educational forum to address issues, exchange ideas and explore solutions Program and Registration Guide

Address Issues, Exchange Ideas, and Explore Solutions at WIND 2009 Join hundreds of professionals from all segments of the property insurance industry as they address the impact of past hurricane seasons and important windstorm claims issues. Each year, WIND holds its annual Windstorm Insurance Conference which provides an opportunity for professionals from many disciplines to discuss and educate themselves on a variety of subjects important to those engaged in windstorm insurance claims. WIND 2009 JANUARY 25-28 ROSEN CENTRE HOTEL ORLANDO, FLORIDA Representatives from all segments of associated businesses and organizations convene for this three-day event to review and address the impact of past hurricane seasons, lessons learned, future trends, and other relevant topics including, windstorm damage, insurance losses and claims, mitigation efforts, disaster response, and alternative dispute resolution. The conference, which is co-sponsored by the Tort Trial and Insurance Practice Section (TIPS) of the American Bar Association, offers continuing education credits for numerous professional designations. Nearly 1,300 professionals attended the 2008 WIND Conference in Jacksonville, Florida. By bringing together all segments of the property insurance arena which deal with the aftermath of a windstorm, the 2009 WIND Conference will develop and promote a greater understanding of windstorm claims issues among property insurance professionals.

One of the Property Insurance Industry's Most All-Inclusive Conferences The annual Windstorm Insurance Conference is one of the most value-packed conferences in the property insurance industry. The conference offers the most value and benefits for windstorm claims industry professionals. Affordable registration fees General session speakers and thirty professional development workshops on important industry hot topics and issues Expanded continuing education program: adjuster/professional credits for multiple states and disciplines Nearly two year s worth of CEs in just three days, filed for you at no additional charge! Nationally known keynote speakers NFIP and WIND Umpire Certification classes Networking with industry leaders and professionals Three full days of food and beverage offerings during group events Three evening cocktail receptions, including Casino Night, with tons of prize give aways Sponsorship opportunities Golf tournament at one of the Orlando area s premier golf courses The only conference devoted solely to windstorm insurance claim issues 10 WIND meets only once annually; miss a year, miss a lot! Celebrating Years 1999-2009

Attendance Profile at WIND 2009 About WIND 2009 Attendees Company claims managers and adjusters, independent adjusters, engineers, accountants, consultants, attorneys and numerous vendors, and industry-related professionals have enjoyed the three-day event that offers a lineup of keynote and highlight speakers and thirty professional workshops. An average of 1,000+ professionals attend the conference each year. Who Should Attend? The conference is aimed at insurance companies providing windstorm coverage, independent adjusters, adjusters who work with insureds, agents who sell windstorm insurance, underwriters, and also engineers, salvors, attorneys, construction consultants or other interested parties. Insurance Companies at WIND 2008 AIG Domestic Claims, Inc. Allstate Insurance Company American Strategic Insurance Argus Fire and Casualty Insurance Bankers Insurance Company Church Mutual Insurance Company Citizens Property Insurance Corporation Cypress Insurance Group Farmers Insurance Fireman s Fund Florida Family Insurance Company Florida Farm Bureau Insurance GuideOne Insurance Gulfstream Property Casualty Ins. Co. Liberty American Insurance Group Metlife Auto & Home Olympus Insurance Company Royal Palm Insurance Company State Auto Insurance Companies Tower Hill Insurance Group Travelers United Property & Casualty Universal Ins. Holdings of N. America Universal Property & Casualty Zurich North America

Conference Agenda Sunday, January 25, 2009 12pm WIND Golf Tournament 4pm Early Registration 4-8:30pm WIND Vendor Expo 6:30-8:30pm Welcome Reception Monday, January 26, 2009 7:30am Registration/Continental Breakfast 7:30am-7:30pm WIND Vendor Expo 8:30-10:15am General Session 10:15-10:30am Morning Break 10:30am-12:15pm Workshops 12:15-1:30pm Networking Lunch 1:30-3:15pm Workshops 3:15-3:30pm Afternoon Break 3:30-5:15pm Workshops 5:30-7:30pm Conference Expo Reception Tuesday, January 27, 2009 7:30am Continental Breakfast 7:30-10:30am WIND Vendor Expo 8:30-10:15am Workshops 10:15-10:30am Morning Break 10:30am-12:15pm Workshops 12:15-1:30pm Networking Lunch 1:30-3:15pm Workshops 3:15-3:30pm Afternoon Break 3:30-5:15pm Workshops 6:30-10:30pm Casino Night Wednesday, January 28, 2009 7:30am Continental Breakfast 8:30-10:30am General Session and Conference Conclusion

WIND 2009 General Information Conference Registration Information Registration fees include all general sessions, workshops, continuing education credits, conference materials, and all food and beverage group functions, including breakfasts, breaks, lunches, and three evening receptions. Register early, as space is limited and the conference may sell out months in advance. Conference Workshops and Materials All general sessions and workshops, including certification classes, are open to registrants. The maximum workshop offerings are seven per attendee. Please note that some certification classes require multiple sessions and are limited in the number of participants. Conference workshop materials will be available to attendees 14 days prior to the conference. A website link will be emailed to all registrants for downloading conference workshop materials. Spouse/Companion Registration Fees The spouse/companion rate is $250 for food and beverage group functions. Full registration is required to attend workshops and/or earn CE credits. Cancellation Policy Full refunds (less a $50 processing charge) will be made for cancellations received by January 9, 2009. No refunds will be made after this date. A request for cancellations must be submitted in writing via fax or mail. Refunds will not be given for no-shows. Registrants who are unable to attend may send a substitute or will receive conference workshop materials in place of a refund. Special Needs If you require special accommodations related to your hotel stay, please contact the hotel. If you require accommodations to participate fully in activities of the Windstorm Insurance Conference, please make your request to our meeting planner, MMG, at 813.988.0737 or via email at meetingplanner@windnetwork.com. We will strive to make any reasonable accommodation possible. WIND 2009 JANUARY 25-28 ROSEN CENTRE HOTEL ORLANDO, FLORIDA Dress Code and Name Badge The dress code is business casual for all conference events. Your name badge identifies you as a Windstorm Insurance Conference attendee and must be worn for admission to all conference functions.

Continuing Education at WIND 2009 The annual Windstorm Insurance Conference will offer a variety of continuing education credits for multiple states and professions. For the 2009 conference, we have applied for the following states, professional associations, and state bar associations. Please note these CEs are not yet confirmed. Visit www.windconference.com for updates on 2009 CE offerings and for or complete list of CEs offered at WIND 2008. Adjuster/Agent Credits California (Adjuster), Delaware (Adjuster), Florida (Adjuster and Agent), Georgia (Adjuster), Mississippi (Adjuster), New Hampshire (Adjuster), North Carolina (Adjuster), Texas (Adjuster) Attorneys/State Bar Associations Alabama, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Texas Professional Organizations Certified Property Casualty Underwriter (CPCU), Florida CPA, Indoor Air Quality Association (IAQA), National Association of Legal Assistants, Registered Professional Adjuster (RPA), General Contractors, State of Florida Certifications National Flood Insurance Program, WIND Umpire Certification, WIND Umpire Recertification Celebrating For More Information For all CE related inquires, please contact the WIND 2009 CE Provider: Association of Property Casualty Claims Professionals (PCCP) 10 P.O. Box 48707, Tampa, FL 33647, Phone 800.820.4550, Fax 813.632.9377 or via email at info@pcclaimpros.org Years 1999-2009

Sponsorship Opportunities at WIND 2009 Become a WIND Conference Sponsor Set your company apart from the competition and become a sponsor of the 10th Annual Windstorm Insurance Conference. Becoming a sponsor will help boost your company profile among hundreds of attendees. WIND 2009 offers several sponsorship opportunities that will help extend your brand identity and marketing capabilities. Take advantage of multiple sponsorship events that include Morning and Afternoon Breaks, Networking Lunches, the Welcome Reception, the Conference Expo Reception, and Casino Night. New for 2009 are WIND s Hospitality Rooms and Internet Café sponsorships. Sponsorship Benefits: Meet more than 1,000 attendees Pay affordable sponsorship fees Advance your company s exposure through targeted networking events Display your company information and materials at the event you sponsor Increase your competitive edge in the windstorm insurance market Gain opportunities for new customers Reinforce relationships with existing customers Gain valuable exposure with professionals from numerous related industries. For More Information To become a sponsor, download the WIND 2009 Sponsorship Guide, in addition to sponorship forms and online applications at www.windconference.com, call WIND s meeting planner, MMG, at 813.988.0737, or email them at meetingplanner@windnetwork.com. Exhibitors and sponsor contributions help WIND, as a 501(c)(3) non-profit organization, underwrite the cost of planning, running and defraying conference expenses.

Conference Receptions Welcome Reception Sunday, January 25, 2009, 6:30 pm - 8:30 pm This kick-off event, which features cocktails and light appetizers, is always a popular gathering and is held during early registration hours. Expo Reception Monday, January 26, 2009, 5:30 pm - 7:30 pm Attendees are given the opportunity to mingle and network in the Exhibition Hall. Hors d oeuvres and cocktails will be served. Casino Night January 27, 2009, 6:30 pm - 10:30 pm A casino theme will set the tone of this cocktail and heavy hors d oeuvres reception. Guests will be given gambling chips to try their luck at a variety of casino games: Black Jack, Texas Hold Em poker, Roulette, Craps, Big Wheel, and Chuck-a-Luck. Lots of great prizes will be awarded throughout the night. 2009 Expo Hall Hours Sunday, January 25, 2009 Expo Hours: 4pm - 8:30pm Monday, January 26, 2009 Expo Hours: 7:30am - 10:30am 12pm - 4pm 5pm - 7:30pm Tuesday, January 27, 2009 Expo Hours: 7:30am - 10:30am

Conference Hotel Information The 2009 Windstorm Insurance Conference will be held at the Rosen Centre Hotel in Orlando, Florida. Be sure to reserve your rooms today as rooms sell out months in advance. Special Room rates start at $189 for Windstorm Insurance Conference attendees and are available through January 5, 2009 or until the conference room block is sold out. Be sure to reference the 2009 Windstorm Insurance Conference when you make your reservations. Book Online or By Phone ` To book your hotel room online, visit www.windconference.com for the WIND 2009 Conference Hotel Room Reservation Page. By phone, call group reservations at 800.204.7234. Conference Room Rates Start at $189 per night WIND 2009 JANUARY 25-28 ROSEN CENTRE HOTEL ORLANDO, FLORIDA Reservation Deadline The special group room rate is guaranteed until January 5, 2009 or until sold out. Reservation Code Reference Windstorm Insurance Conference Hotel Address The Rosen Centre Hotel is located at 9840 International Drive, Orlando, FL 32819. The reservations number is 800.204.7234. The hotel phone is 407.996.9840 and hotel fax is 407.996.2659. Visit www.rosencentre.com for more hotel information. Fax: 407.996.2659

2009 WIND Golf Tournament About the Tournament The WIND 2009 Golf Tournament is scheduled for a 12pm shotgun start on Sunday, January 25, 2009 at Shingle Creek Golf Club in Orlando, Florida, located a short distance from the Rosen Centre Hotel. Golf Registration Early registration is $115 per person for forms and payment received by January 15, 2009. After January 15, 2009, registration will be $140 per person. The fee includes lunch before the tournament, a WIND golf shirt or wind breaker, and an awards ceremony with prizes. Be sure to register early. Last year s tournament sold out months in advance. To reserve rental clubs, contact the club directly at 407.996.9933. Sponsorship Opportunities Hole Sponsor $100, includes company sign located on a tee box Silver Sponsor $250, includes two golf registrations and recognition at the awards ceremony Gold Sponsor $500, includes four golf registrations and recognition at the awards ceremony For More Information For more details on the tournament and sponsorship opportunities, please contact golf tournament coordinator Dave Hisey at 941.685.5359 or dave@hisinet.com. For more information on the golf course and driving directions, please visit www.shinglecreek.com. Celebrating 10 Years 1999-2009 Register Online at www.windnetwork.com or call 813.988.0737

10th Annual WIND CONFERENCE January 25-28, 2009 Rosen Centre Hotel Orlando, Florida REGISTER ONLINE www.windconference.com 2009 REGISTRATION FORM 1. REGISTRANT INFORMATION (one form per registrant) First Name Last Name Badge Name Company Title Address City/State/Zip Phone Fax Email Email address required; registration confirmations will be sent via email. Registered Guest/Spouse Name 2. PROFESSIONAL DESIGNATION (please check) Insurance Company Agent Appraiser/Umpire Consultant Attorney Accountant Contractor/Restoration Underwriter Government Independent Adjuster Staff Adjuster Public Adjuster Engineer Vendor Other Occupation 3. EVENT SELECTIONS (please check events you will attend) Welcome Reception, Jan. 25 Continental Breakfast, Jan. 26 Networking Lunch, Jan. 26 Conference Expo,Jan.26 Continental Breakfast, Jan. 27 Networking Lunch, Jan. 27 Casino Night, Jan. 27 Continental Breakfast, Jan. 28 4. WORKSHOP INFORMATION Please refer to the workshop schedule and fill in the session code of the workshops you wish to attend (one for each time slot). Registration for workshop classes are on a first-come basis to registrants. Conference registration is not a guarantee of workshop choices. 5. WORKSHOP SELECTIONS (note that certification classes require more than one time slot and some classes require advance sign up lists) Jan. 26, 2009 Code 10:30 am-12:15 pm 1:30-3:15 pm 3:30-5:15 pm 6. REGISTRATION FEES Registration fees include general sessions and workshops, continuing education credits, conference workshop materials, and all group food and beverage functions, including breakfasts, breaks, lunches, and evening receptions. Register early, Space is limited. The 2009 WIND Conference may sell out months in advance. First-come, first-serve priority will be given to registrants and workshop selection. WIND Members-$395 (For all current/paid 2008 members until Dec. 31, 2008.) Regular-$495 (This rate is good through January 9, 2009 or until sold out.) Late-$595 (Space available basis only. Space will dictate if late registrants will be accepted. Call 813.988.0737 in advance to confirm.) Workshop Faculty-$250 (For workshop presenters only) Spouse/Companion-$250 (Limited to group food and beverage functions only. Full registration is required to attend workshops and/or earn CE credits.) Jan. 27, 2009 Code 8:30-10:15 am 10:30 am-12:15 pm 1:30-3:15 pm 3:30-5:15 pm Jan.28, 2009 Code 8:30-5 pm 7. PAYMENT AND MAILING INFORMATION Total Payment Check (payable to Windstorm Insurance Network, Inc., Tax ID #59-3604274) Mastercard Visa AMEX Card Exp. Date Auth. Code (last 3 digits on back of MC and VISA, front 4 digits on AMEX) Billing Address Name Signature Mail form/payment to: 2009 WIND Conference, c/o Meeting Management Group, 11812 North 56th Street, Tampa, FL 33617 Fax (Credit Card Payments Only) to 813.988.5837 8. FOR MORE INFORMATION Contact 813.988.0737 or meetingplanner@windnetwork.com. Visit www.windconference.com for additional information.

10th Annual WIND CONFERENCE GOLF TOURNAMENT January 25, 2009 12:30 pm Shingle Creek Golf Course 9939 Universal Boulevard Orlando, FL 32819 2009 GOLF TOURNAMENT FORM 1. REGISTRANT INFORMATION (one form per registrant) First Name Last Name Company Title Address City/State/Zip Phone Fax Email 2. REGISTRATION FEES Early registration is $115 per person for forms and payment received by January 15, 2009. After January 15, 2009, registration will be $140 per person. The fee includes lunch before the tournament, a WIND golf shirt or wind breaker, and awards ceremony with prizes. To reserve rental clubs, contact the club directly at 407.996.9933. Register early, as space is limited and the golf tournament may sell out months in advance. 3. SPONSORSHIP CATEGORIES/FEES Hole Sponsor $100 includes company sign located on a tee box Silver Sponsor $250 includes two golf registrations and recognition at the awards ceremony Gold Sponsor $500 includes four golf registrations and recognition at the awards ceremony Please note: Only paid sponsors will be allowed to display their company banners at the golf tournament. 4. PAYMENT/MAILING INFORMATION Total payment is. Checks should be made payable to Windstorm Insurance Network, Inc. (Tax ID #59-3604274) Sorry, we only accept checks for payment. Send completed form and payment: David Hisey, Attn: 2009 WIND Golf Tournament, c/o HISI, Inc. 1444 Deer Creek Drive, Englewood, FL 34223. 5. FOR MORE INFORMATION For more details on the tournament and sponsorship opportunities, please contact golf tournament coordinator Dave Hisey at 941.685.5359 or dave@hisinet.com. Visit the WIND 2009 website www.windconference.com or www.shinglecreek.com for more information and for directions to the golf course. 6. TOURNAMENT PLAYERS Name Company Phone/Shirt Size Name Company Phone/Shirt Size Name Company Phone/Shirt Size Name Company Phone/Shirt Size Thank you for your support of the 2009 Windstorm Insurance Conference Golf Tournament. For information on the WIND 2009, please visit www.windconference.com.

WIND 2009 Workshop Schedule Monday, January, 26, 2009 10:30 am - 12:15 pm Deposition Boot Camp: Preparation is the Key to Survival (M1) Insurance Underwriting in an Era of Heightened Volatility (M2) Interpreting Hurricane Damage: Subtle Indications of the Duration of Damage (M3) Introduction to Building Code: Advanced (M4) Soaring Cost of AC Repairs (M5) Telling Our Story: Why Effective Communications Matter (M6) The Roof, the Whole Roof and Nothing but the Roof (M7) Using Video Graphics in Insurance Claims (M8) Water Damage Restoration (M9) 1:30 pm - 3:15 pm Cabinets-Restoration or Replacement (M10) Civil Remedies: The Nuts & Bolts and Screws, Washers, Nails, Wingnuts (M11) Deposition Boot Camp: Preparation is the Key to Survival (M1) Introduction to Building Code: Beginners (M12) Introduction to Building Code: Advanced (M4) Mediation of Storm Claims (M13) Umpire Certification (M14A) Umpire Recertification (M15A) Wind vs. Surge (M16) 3:30 pm - 5:15 pm Cabinets: Restoration or Replacement (M10) Florida Property Insurance Law Update Wind and Related Cases (M17) Insurance Underwriting in an Era of Heightened Volatility Soaring Cost of AC Repairs (M5) Telling Our Story: Why Effective Communications Matter (M6) Umpire Certification (M14B) Umpire Recertification (M15B) Water Mitigation (M18) Wind vs. Surge (M16) WIND 2009 JANUARY 25-28 ROSEN CENTRE HOTEL ORLANDO, FLORIDA Please note: The Windstorm Insurance Network reserves the right to change or modify speakers and/or topics due to unforeseen circumstances. Audio and video taping of any conference event, general session or workshop is strictly prohibited.

WIND 2009 Workshop Schedule Tuesday, January 27, 2009 8:30-10:15am Adjuster Code of Ethics (T1) Civil Remedies: The Nuts & Bolts and Screws, Washers, Nails, Wingnuts (T2) Effect of Adverse Economic Conditions on First Party Claims (T3) Electronic Discovery Concerns for Adjusters, Insurers, and Policyholders (T4) Interpreting Hurricane Damage: Subtle Indications of the Duration of Damage (T5) Introduction to Building Code: Beginners (T6) Loss of Income in a Catastrophe Environment Umpire Certification (T8A) Umpire Recertification (T9A) 10:30 am -12:15 pm Changes in Laws, Coverages & Codes (T10) Disaster Assessment: Adjuster Safety (T11) Dropped Object: Chipped Tile Investigations (T12) Estimating and Scoping Property Damage: A Practical Approach (T13) Loss of Income in a Catastrophe Environment (T7) Negotiations: Settle That Claim! (T14) Umpire Certification (T8B) Umpire Recertification (T9B) Water Damage Restoration (T15) 1:30 pm - 3:15 pm Appraisals: Law and Practice (T16) Changes in Laws, Coverages & Codes (T10) Disaster Assessment: Adjuster Safety (T11) Dropped Object: Chipped Tile Investigations (T12) Electronic Discovery Concerns for Adjusters, Insurers, and Policyholders (T4) Estimating and Scoping Property Damage: A Practical Approach (T13) The Roof, the Whole Roof and Nothing But the Roof (T17) Using Video Graphics in Insurance Claims (T18) Words Matter: Communication Strategies to Avoid Costly Mistakes (T19) 3:30 pm - 5:15 pm Adjuster Code of Ethics (T1) Appraisal: Law and Practice (T16) Effect of Adverse Economic Conditions on First Party Claims (T3) Florida Property Insurance Law Update Wind and Related Cases (T20) Mediation of Storm Claims (T21) Negotiations: Settle That Claim! (T14) Water Mitigation (T22) Words Matter: Communication Strategies to Avoid Costly Mistakes (T19) WIND Conference Workshops: January 28, 2009 8:30 am - 5:00 pm NFIP Certification (Note: This is an all day class) (W1) Celebrating 10 Years 1999-2009

WIND 2009 Workshops Adjuster Code of Ethics (T1) ( Tuesday, January 27, 8:30-10:15 am) or (3:30-5:15 pm) This workshop will address Ethics from concept to application in the handling of claims. Participants will discuss ethical codes and dilemmas that come into play in the adjustment of windstorm losses. Faculty: Peter Crosa, Peter J. Crosa and Co. Appraisal: Law and Practice (T16) (Tuesday, January 27, 1:30 pm - 3:15 pm) or (3:30-5:15 pm) This workshop includes an overview of several cases on appraisal and discussions of recent decisions and their impact on the appraisal world. Issues such as the definition of appraisal and what is a coverage question will be addressed. Faculty: William Bill Berk, Berk, Merchant, Sims, PLC; Jose Palacios, Peninsula Insurance Bureau; Michael J. Higer, Higer Lichter & Givner, LLP; David Beasley, Insurance Recovery International Cabinets: Restoration or Replacement (M10) (Monday, January 26, 1:30-3:15 pm) or (3:30-5:15 pm) This is an interactive workshop designed for those who must assess and evaluate loss damaged cabinetry, including cause, age; and extent of loss. Participants will learn the types of materials, colors and restoration procedures as well as measuring and scoping methods most commonly used. Pricing will be discussed as will cabinetry that is exceptional, time allowing. Faculty: Clemens Peschl, International Contents Experts; Paul Zulouga, Option One Restoration Changes in Laws, Coverages & Codes (T10) (Tuesday 27, 10:30 am - 12:15 pm) or (1:30-3:15 pm) This workshop focuses on the many changes in the Florida Statutes, Rules and Case Law and the impact these changes have on professionals working in the insurance industry. Insurance carriers are implementing new policy language in response to these changes. There are more time limitations and regulations facing the insurance industry than ever before. This workshop will help industry professionals identify the current requirements of fulfilling their responsibilities in an ever changing insurance environment. Faculty: Rebecca Leisure, ROL Insurance Consulting; Adam Pastis, Gray Robinson, P.A.; Hans Kennon, Morgan and Morgan, P.A. Civil Remedies: The Nuts, Bolts and Screws, Washers, Nails, Wingnuts (M11) (Monday, January 26, 1:30-3:15 pm) or (T2) (Tuesday 27, 8:30-10:15 am) A practical program on preparing and responding to Civil Remedy Notices. This workshop will address pointers and pitfalls on each side, when to use them, what they mean and how they can benefit both claimants and carriers. Faculty: Kelly Gray, Gunn Law Group, P.A.; Mike Kiernan, Abbey Adams, LLP; Pat Garrett, North American Insurance Consultants, Inc. Please note: The Windstorm Insurance Network reserves the right to change or modify speakers and/or topics due to unforeseen circumstances. Audio and video taping of any conference event, general session or workshop is strictly prohibited.

WIND 2009 Workshops Deposition Bootcamp: Preparation is the Key to Survival (M1) (Monday, January 26, 10:30 am - 12:15 pm) or (1:30-3:15 pm) Depositions are an integral part of the legal discovery process and often serve as critical tools for the defense and policyholder lawyer to prove his/her case. How does the company representative, independent adjuster or public adjuster prepare? What rules of the road and ethical considerations exist when giving deposition testimony? Can one s deposition testimony be changed? These issues and common problems that can arise during a deposition will be explored together with various fact patterns for group discussion and interaction. Faculty: Susan B. Harwood, Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A.; Helen Alford, Alford, Clausen & McDonald; John Lakin, Esquire, Lakin Smith, P.A. Disaster Assessment: Adjuster Safety (T11) (Tuesday, January 27,10:30 am - 12:15 pm) or (1:30-3:15 pm) This workshop will discuss the different types of hazards that go along with disaster assessments of structures. It will discuss how to recognize and avoid potential hazards to yourself and others. It will also discuss the recommendedproper personal and field equipment to have with you when doing assessments. Faculty: Jose Busquets, Bracken Engineering, Inc.; Clint Black, State of Florida Task Force Agent Dropped Object: Chipped Tile Investigations (T12) Tuesday, January 27, 10:30 am - 12:15 pm) or (1:30-3:15 pm) This course will help you understand the methodology of investigating floor tile reported to have been chipped or cracked as a result of some type of impact most often caused by dropped or falling objects. Faculty: Randy Lasure, P.E. Rimkus Consulting Group, Inc.; Robert Bob Groelle, Groelle & Salmon, P.A. The Effect of Adverse Economic Conditions on First Party Claims (T3) (Tuesday, January 27, 8:30-10:15 am) or (3:30-5:15 pm) This panel discussion will focus on policy cancellations for non-payment of premium, forced placed coverage, the mortgagee s rights to insurance claim proceeds, policy exclusions for unoccupied or abandoned property, and other claim and underwriting issues that become more prevalent in a declining economy. Faculty: Curtis Hutchens, Citizens Property Insurance Corporation; Janice Kelly, Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A.; Jason S. Mazer, Ver Ploeg & Lumpkin, P.A. Electronic Discovery Concerns for Adjusters, Insurers, and Policyholders: What you May Not Know Can Hurt You (T4) (Tuesday, January 27, 8:30-10:15 am) or (1:30-3:15 pm) This presentation will discuss electronic discovery under the Federal Rules of Civil Procedure and the 2006 amendments to the Rules.What types of information are discoverable, the format and who should bear the cost, including the cost of software needed to view the information, preservation of data as well as sanctions for deleting or destruction of data will be addressed.the presenters will discuss electronic discovery issues, which can arise in insurance coverage litigation. Faculty: William Chip Merlin, Merlin Law Group; John Garaffa, Butler Pappas Weihmuller Katz Craig LLP; Chris Haley, Trial Exhibits, Inc.

WIND 2009 Workshops Estimating & Scoping Property Damage: A Practical Approach (T13) (Tuesday, January 27, 10:30 am - 12:15 ) pm or (1:30-3:15 pm) Attendees will actively participate in developing a routine procedure when evaluating and scoping property damages. This workshop will identify key issues to look for in identifying property damage and enable them to complete an accurate scope of repair. We will also look at common estimating mistakes and address ways to avoid them. Faculty: Michael Ruskin, Disaster Pro Consulting; David Hisey, HISI, Inc.; Michael Moon and Scott Mullis, Epic Response Florida Property Insurance Law Update: Wind and Related Cases (M17) (Monday, January 26, 3:30-5:15 pm) or (Tuesday, January 27, 3:30-5:15 pm) This workshop is an opportunity to discuss recent cases affecting every wind claim. The workshop presenters, Andrew Rock and Lee Gunn, are leading authorities on the law in Florida. They will bring you the most significant cases with their comments and observations. Faculty: Andy Rock, Rock Law Group; Lee Gunn, Gunn Law Group Insurance Underwriting in an Era of Heightened Volatility (M2) (Monday, January 26,10:30 am - 12:15 pm) or (3:30-5:15 pm) This workshop will explore the increasingly complicated insurance underwriting process taking into account the volatility of extreme weather conditions, the potential impact of global climate change, the availability of reinsurance, legal challenges to the interpretation of insurance policy coverage terms and conditions, and the extreme volatility of the global and U.S. financial markets. The panel will discuss the issues related to the underlying question, Where do we go from here? Faculty: William Bill Bailey, Insurance Information Institute, Inc.; Robert Wooley, Adams and Reese LLP; David Lee Harrell, Mississippi Deputy Commissioner of Insurance; Charles Tutwiler, Charles R. Tutwiler & Associates; Cecil Pierce, American Insurance Association Interpreting Hurricane Damage: Subtle Indications of the Duration of Damage (M3) (Monday, January 26, 10:30 am - 12:15 pm) or (Tuesday, January 27, 8:30-10:15 am) The life span of hurricane related damage is critical in the interpretation of any loss. Initial and supplemental hurricane claims, however, can range over a period of weeks, months, and even years.your ability to distinguish between claim-related and historical damage is especially important outside areas impacted directly by wind, surge, and/or flooding. This talk will explore subtle physical indications of both recent and longer-term damage that will help you defend decisions of coverage. Faculty: Dr. Ralph Moon and Bob Braun, H.S.A Engineers and Scientists P.E.; Jorge Santeiro Jr., Kubicki Draper Please note: The Windstorm Insurance Network reserves the right to change or modify speakers and/or topics due to unforeseen circumstances. Audio and video taping of any conference event, general session or workshop is strictly prohibited.

WIND 2009 Workshops Introduction to Building Code: Advanced (M4) (Monday, January 26, 10:30 am - 12:15 pm) or (1:30-3:15 pm) An overview of the building codes currently in effect in Florida and other Gulf Coast states. This workshop will include a discussion of the individual components comprising the building code and the intent and purpose of those components. Discussion will also include an introduction and explanation of outside standards referenced within the building code. The impact of building codes on restoration following a storm will also be explored. Faculty: William Bill Bracken, Bracken Engineering; DCA Builder Commissioner Representative Introduction to Building Code: Beginners (M12) (Monday, January 26, (1:30-3:15 pm) or (T6)) (Tuesday, January 27, 8:30-10:15 am) There have been a myriad of changes to the building codes in the State of Florida since Hurricane Andrew. The first segment will explore the history of the codes that have governed our state. There are even more changes to the FBC on the horizon, and the second segment will focus on the most recent revisions that impact the insurance industry. Important legal issues regarding the Ordinance and Law provision of the insurance policy and a question and answer session will be the final segments of the Introduction to Building Codes Workshop. Faculty: Jeff Burk, Cabbage Key Consulting, Inc.; Mike Terrana, Terrana, Perez & Salgado, P.A.; Terence Skee, Madsen, Kneppers and Associates, Inc. Loss of Income in a Catastrophe Environment: Is it a Covered Business Interruption Loss? (T7) (Tuesday, January 27, 8:30-10:15 am) or (10:30 am - 12:15 pm) How should surges and declines in the local economy caused by a catastrophe be dealt with in calculating a business interruption loss? What are the scope and limits of contingent and dependent property business interruption coverage? What is the insured's burden in presenting this type of claim? These are among the topics that will be addressed in reviewing the business interruption issues that are unique to catastrophes. Faculty: Stephen Goldman, Robinson & Cole, LLP; William J. Bradshaw, Matson, Driscoll & Damico; Josh Mallin, Weg & Myers, PC Mediation of Storm Claims (M13) (Monday, January 26, 1:30-3:15 pm) or (T21) (Tuesday, January 27, 3:30-5:15 pm) The course will involve a discussion of the mediation process, generally, and will include issues related to: strategies of mediation; the selection of the mediator; and the timing of mediation. Input will be provided from the company's perspective, the insured s perspective and, most importantly, the mediator s perspective. Faculty: Michaela Scheihing, Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A.; Clark Hamilton, Tyler & Hamilton, P.A.; Jay Colling, Fraxedas Mediation Firm

WIND 2009 Workshops Negotiations: Get That Claim Settled! (T14) (Tuesday, January 27, 10:30 am - 12:15 pm) or (3:30-5:15 pm) This workshop will show you how to streamline negotiations from claim inception through mediation, appraisal, and resolution. If you are an adjuster, contractor, or appraiser you need to know the fundamentals of negotiation to get your case resolved. This session will use interactive case studies focusing on the issues trapping adjusters and delaying the resolution of the claim before, during, and after mediation and appraisal. The workshop will present different methods of negotiation to help you get that claim settled. Faculty: Rick Dannenmiller, Paul Davis Restoration; Mike Platts, Charles R. Tutwiler & Associates; Etienne Font, Claim Counsel, Inc. National Flood Insurance Proram (NFIP) Certification (W1) (Wednesday, January 28, 8:30 am - 5:15 pm) (NOTE: This is an all day workshop offered on Wednesday, January 28. Please note that the class time is 8:30 am - 5 pm, the conference concludes at 10:30 am. CE credits issued by NFIP.) This multi-session program will update 21. the current status of claim handling of the National Flood Insurance Program policies and provide opportunities for participants to renew or obtain certification for adjustment of flood claims. Faculty: Donald Waters, National Flood Insurance Program (NFIP) The Roof, the Whole Roof and Nothing but the Roof (M7) (Monday, January 26, 10:30 am - 12:15 pm) or (T17) (Tuesday, January 27, 1:30-3:15 pm) This inclusive seminar will provide vibrant discussion about the design and construction of roofs, the damage they incur during storms, and relevant facts to take into consideration when deciding whether to repair or replace. Faculty: Rob Zaralban, SEA Ltd.; Adam Locke, SEA Ltd.; Chris Pakuris, Pakuris Assoc.; Doug Wallace, William John Associates Soaring Cost of AC Repairs (M5) (Monday, January 26, 10:30 am - 12:15 pm) or (3:30-5:15 pm) Today s rapidly changing economy, demands for energy efficiency, and protection of the environment have come together to create a seemingly perfect storm against the cost and methods available in repairing AC systems. This class will examine the current trends in AC claims and help to understand the realistic solutions that are available to the industry. Faculty: Robert Ketchum, P.E., Rimkus Consulting Group, Inc; Daniel Mullaney, Travelers Insurance Telling Our Story: Why Effective Communications Matter (M6) (Monday, January 26, 10:30 am - 12:15 pm) or (3:30-5:15 pm) The insurance industry is in the business of managing risk, but among the biggest risks in recent years has been managing its reputation. This workshop will provide an understanding of how perception relates to reality and how communicating effectively and strategically can bring more balance and less emotion to various audiences. It will explain the new rules required for working in contentious environments where critics are numerous and avenues of expression are multiplying. Faculty: Lynne McChristian, Insurance Information Institute Please note: The Windstorm Insurance Network reserves the right to change or modify speakers and/or topics due to unforeseen circumstances. Audio and video taping of any conference event, general session or workshop is strictly prohibited.

WIND 2009 Workshops Umpire Certification (M14A & M14B) (Monday, January 26, Double Session: 1:30-5:15 pm ) or (T8A & T8B) (Tuesday, January 27, Double Session: 8:30-12:15 pm) (NOTE: This is a double-session workshop.) This workshop will provide the necessary certification to anyone who wishes to be included in the Windstorm Insurance Network Umpire Directory. The first segment will focus on ethics and professionalism as an umpire in the appraisal process. Case law will be the subject of the second segment. The third portion deals with the how to of acting as an umpire and will include an open discussion of techniques. The final segment will address forms and awards. REQUIREMENTS: Space is limited to 75 registrants per session and advanced registration is mandatory for admission. Upon check-in at the conference, attendees will be provided with a certificate in the conference materials, which must be presented for entrance to workshop. Faculty: John Voelpel, Voelpel Claim Services, Inc.; Janet Brown, Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A.; Honorable Tom Turner, Florida Circuit Court; Jim Reichle, Jim Reichle & Associates Umpire Recertification (M15A & M15B) (Monday, January 26, Double Session: 1:30-5:15 pm) or (T9A & T9B) (Tuesday, January 27, Double Session: 8:30-12:15 am) (NOTE: This is a double-session workshop and is open only to those who have previously obtained the WIND Umpire Certification.) This workshop is designed to provide an interactive learning experience. Real-life scenarios will be utilized to promote discussion of the duties and responsibilities of the umpire. Common issues and problems that often arise during an appraisal will be addressed, as well as effective methods and techniques to facilitate an appraisal from beginning to conclusion. The workshop will also include a discussion of ethical considerations and changes in case law impacting the appraisal process. REQUIREMENTS: Space is limited to 75 registrants per session and advanced registration is mandatory for admission. Upon check-in at the conference, attendees will be provided with a certificate in the conference materials, which must be presented for entrance to workshop. Faculty: Janet Brown, Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A.; Art Newman, Belfor; Jon Doan, Claims Consulting Group; Dick Tutwiler, Charles R. Tutwiler & Associates; Honorable Tom Turner, Florida Circuit Court Using Video Graphics in Insurance Claims (M8) (Monday, January 26,10:30 am - 12:15 pm) or (T18) (Tuesday, January 27, 1:30 pm - 3:15 pm) This is a state-of-the-art presentation demonstrating how live video, two- and three-dimensional animation, or a combination of these features can be used to present complex information in understandable terms. Using video to document the scene of an accident will be covered, and excerpts from productions made for use in trials will be presented as well. Faculty: Barbara Worsham, Rimkus Consulting Group, Inc.

WIND 2009 Workshops Water Damage Restoration (M9) (Monday, January 26, 10:30 am - 12:15 pm) or (T15) (Tuesday, January 27, 10:30 am - 12:15 pm) Have you ever walked into a water loss and wondered if the amount of drying equipment on site is the correct amount? Is it too much, or not enough? Why is an air scrubber here? What is the determining factor as to when the building materials should be removed or dried in place? How do you know when the equipment should be removed? More importantly, how do you know when the building is dry? These and other drying questions will be covered in this presentation. Faculty: Steve Backman, Homewise Insurance; Sonny Bass, Paul Davis Restoration Water Mitigation (M18) (Monday, January 26, 3:30-5:15 pm) (T22) or (Tuesday, January 27, 3:30-5:15 pm) This workshop will update you on new technology in the water mitigation industry: axial vs. centrifugal air movers; low grain vs. conventional dehumidifiers; and the latest in cavity and floor drying systems. Additionally, attendees will learn about the impact of water damage on garments and textiles, as well as how specialty contents providers can help reduce severity through immediate response and a systematized approach to service. The session will quantify the size of the textile niche and cover the appropriate professional methods for restoring fabric items rather than replacement. Also presented will be the latest innovations in electronics restoration. When done properly electronic restoration has proved to be reliable and efficient for the adjuster and the insured. Faculty: William D. Ryan, Rytech Water Damage Restoration, Inc.; Wayne Wudyka, Certified Restoration Drycleaning Network; Mark Ewing, LWG Consulting, Inc. Wind, Storm Surge and Wave Effects on Coastal Buildings (M16) (Monday, January 26, 1:30-3:15 pm) or (3:30-5:15 pm) Damage to coastal infrastructure is rarely observed in a landfalling hurricane because of the danger of collecting data in such a hostile environment. Instead, estimates of wind field, storm surge and wave intensity from simulation technology is used to aid in the determination of the most probable cause of damage; this session covers the field and laboratory research that feeds our understanding of the impact of hurricanes. The workshop will focus on the proper way to conduct the critical, initial site inspection of a damaged property and how to document damage, estimate the repairs required and how to delineate the costs associated with those repairs between insurance coverages. Faculty: Dr. Forrest Masters, Department of Civil and Coastal Engineering, University of Florida; John Minor, Complete General Contractors, Inc; Phil Wilbourn, P.E. and John Kreuser, P.E., Rimkus Consulting Group, Inc. Words Matter: Communication Strategies to Avoid Costly Mistakes (T19) (Tuesday, January 27, 1:30-3:15 pm) or (3:30-5:15pm) This panel will focus on successful communication skills and strategies in the age of electronic discovery. The panel will also review the law that you need to know in order to communicate effectively and maximize your productivity and profitability. Faculty: Donna Devaney, Merlin Law Group; Sandy Burnett, Guy E. Burnette, Jr. P.A.; Jon Held, Jon S. Held Inc.; Dick Tutwiler, Charles Tutwiler & Associates Please note: The Windstorm Insurance Network reserves the right to change or modify speakers and/or topics due to unforeseen circumstances. Audio and video taping of any conference event, general session or workshop is strictly prohibited.

Thanks to 2009 Exhibitors and Sponsors 2009 WIND Conference Exhibitors ALE Solutions American Building Contractors, Inc. ARI CAT Bar List Publishing Barkett & Kenney BCI Engineering & Scientists Belfor USA Callan Salvage & Appraisal Company, Inc. CED Investigative Technoloies, Inc. Cedar Valley Exteriors Certified Restoration Drycleaning Network (CRDN) Claim Assistant Claims Magazine ClaimStore, Inc. Complete General Contractors, Inc. CompuWeather, Inc. CRS Temporary Housing Delta Engineering & Inspection, Inc. Donan Engineering Co., Inc. EarthTech EFI Global, Inc. EGP & Associates, Inc. Enservio EPIC Response Global Prevention Services Guardian Group, Inc. Hall & Company Hayward Baker, Inc. Hightower & Partners Housing Headquarters HSA Engineers and Scientists Initech Restoration, Inc. InStar Services Group Interstate ITEL Laboratories Jarvis Construction Emergency Services Kenneth R. Duboff, PA LRE Ground Services, Inc. LWG Consulting Madsen, Kneppers & Associates, Inc. Merlin Law Group, PA Metro Appraisal NCRI - National Catastrophe Restoration Inc Nelson Architectural Engineers, Inc. Paul Davis Restoration PCA Peterson Bernard Professional Staffing Services ProNet Group PT&C Forensic Consulting Services, PA Rimkus Consulting Group, Inc. Rytech of South Florida SEA Limited ServiceMaster Clean ServiceMaster Recovery Systems Simsol Software Storm Smart Industries Team One Adjusting Temporary Accommodations U.S. Forensic Worley Catastrophe Response Wynne Residential Corporate Housing Xactware 2009 WIND Conference Sponsors Allied American Adjusting Company Aplin Peer & Associates, Inc. Belfor USA Berk, Merchant & Sims Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A. Burton Claim Service, Inc. Butler, Pappas, Weihmuller, Katz, Craig, LLP Charles R. Tutwiler and Associates Inc. Danahy & Murray Eberl s Claim Service EFI Global, Inc. Initech Restoration, Inc. Kenneth R. Duboff, PA Lozano Insurance Adjusters, Inc. Merlin Law Group, PA Michael J. Curtin & Associates Pilot Catastrophe Services ServPro SDII Global Corporation Suit Alternative Int'l., Inc. Be sure to visit www.windconference.com for a link to exhibitor and sponsor company websites.

WIND 2008-2009 Board of Directors WIND Board of Directors President Patrick McCrink Travelers of Florida Vice President Art Newman Belfor Secretary Michaela Scheihing, Esquire Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A. Treasurer David Cowheard, CPA Carranza, Cowheard & Associates, P.A. WIND Directors William Bill Berk Berk, Merchant & Sims, PLC John Cote CJW & Associates Lenox Godfrey Florida Insurance Guaranty Association (FIGA) Wayne Harris AIG Commercial Insurance Susan B. Harwood Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A. Dan Heyer, P.E. Engineering and Fire Investigations, Inc. David Hisey (Past President 2006-2007) HISI, Inc. Curtis Hutchens Citizens Property Insurance Company Janice Kelly (Immediate Past President) Boehm, Brown, Fischer, Harwood, Kelly & Scheihing, P.A. William Chip Merlin, Jr., Esquire Merlin Law Group Tony McCarty Florida Family Insurance Michelle Shaver Zurich North America James S. Toukatly Renaissance Adjusting, Inc. John Voelpel (Past President 2005-2006) Voelpel Claim Service WIND Executive Director Michelle Griffin 2009 WIND Conference Chair Jacqui Knowles Travelers of Florida 2009 WIND Conference Committee Patti Boyce Travelers of Florida Denise Estes Travelers of Florida Michael Ruskin Disaster Pro Consulting, Inc. Golf Tournament Coordinator David Hisey HISI, Inc. About WIND The Windstorm Insurance Network, Inc. (WIND) is the first educational professional organization devoted solely to dealing with windstorm issues of interest to insurance practitioners. It was formed in 1999 with the goal to bring professionals together in the review and discussion of windstorm insurance issues and concerns. WIND s mission is to offer industry insight and education for individual and groups interested and employed in the windstorm insurance industry. Members come from across the United States and represent various companies and professional interests in the windstorm insurance industry. If you are not a current member, you are encouraged to join today. For more information on WIND, please visit our website at www.windnetwork.com. Windstorm Insurance Network, Inc. 2929 Langley Avenue, Suite 203 Pensacola, FL 32504 850.473.0601 phone 850.473.0603 fax info@windnetwork.com www.windnetwork.com

10th Annual Windstorm Insurance Conference January 25-28, 2009 Rosen Centre Hotel Orlando, Florida Celebrating 10 Years of Educating the Windstorm Claims Industry Leading experts in the property insurance industry will focus on current trends and recent developments in the windstorm claims insurance industry at the 2009 WIND Conference Register Online Today at www.windconference.com The 2009 WIND Conference is co-sponsored by the Tort Trial & Insurance Practice Section (TIPS) of the American Bar Association. Questions on WIND 2009? Call 813.988.0737 or email meetingplanner@windnetwork.com Register Early! Space is Limited!