2. Are You Dressed for the Underwriting Dance

3. Dance Card Members of STRIMA Highlight Program ChangesFox Trot Underwriting SpecificationsTango Location ScheduleWaltz Loss HistoryRhumba

4. Dance Partner Steve Wlodarski Executive Underwriter Public Entity Group Allianz Global Corporate and Specialty North America Joined Allianz in 2002 as an Executive Underwriter Risk Management Property Team at CNA for over 5 years. Underwriting of accounts headquartered in the eastern United States. Zurich Insurance until 1997, where he gained experience in underwriting accounts with international exposure. Underwriting experience started in 1990 with Allendale (FM Global) working on HPR accounts for more than 5 years. Insurance career began in 1985 providing loss prevention inspections and reports for Insurance Services Office (ISO) and then Improved Risk Mutual (IRM). Education - Northern Illinois University (GO HUSKIES) with a Bachelor of Science in Finance and has completed several courses toward the CPCU designation. Dance Instructor – Arthur Murray Dance Studios Choreographer – Dancing with the Stars

5. Accurate Location Schedule – Why is it Important Rates based on the following… Construction Occupancy Protection Exposures Loss History Catastrophe Modeling

6. Location Schedule – Information Needed Description / Occupancy Street Address City State Zip Code Building Square Footage

7. Location Schedule – Information Needed (Continued) Building Value Contents Value Vehicles Computers Fine Arts Total Insured Values

8. Location Schedule – Information Needed (Concluded) Building Construction Type (ISO 1 – 6) Number of Stories Year Built Sprinklered or Non-Sprinklered Flood Zone (If known)

9. ISO CONSTRUCTION CODES ISO Fire Classification ClassName 0Unknown 1 Frame Buildings having wood exterior walls or other combustible materials including construction where combustible materials are combined with other materials such as brick veneer, stone veneer, iron cladding, or stucco on wood. 2 Joisted Masonry Buildings having masonry exterior walls, such as stone, adobe, brick, clay tile, concrete block, or concrete, with combustible joisted wood floors and roof. 3 Non-Combustible Buildings having walls and floors constructed of, and supported by non-combustible materials such as metal, concrete, asbestos, gypsum, or fire-proofed steel. 4 Masonry Non-Combustible Buildings having exterior walls constructed of unit masonry, such as stone, adobe, brick, clay tile, or concrete block, with floors and roof of metal or other non-combustible material. 5 Modified Fire Resistive Buildings having exterior walls, floors, and roof constructed of masonry or other fire-resistive material with a fire resistance rating of one hour or more, but less than two hours. 6 Fire Resistive Buildings having exterior walls, floors, and roof constructed of masonry or other fire-resistive material with a fire resistance rating of not less than two hours.

10. Various Construction Descriptions Construction Type Limestone/Granite Masonry Brick/Concrete Masonry / Brick Masonry / Granite Brick / Precast Concrete Precast Concrete Brick / Stucco Steel / Metal panels Limestone Brick Brick / Cement Panels Metal Stucco Concrete

11. Why Accuracy of Values is IMPORTANT Premium Loss Adjustment Overall Indicator on Reliability of Information provided

12. Factors Impacting CAT Modeling – EQ, Flood and Named Windstorm Complete Address including Number, Street Name, City, State and Zip Code Accurate Values for Building and Contents All of this Information is obtained from the Location Schedule

13. Named Windstorm - Construction – Secondary Characteristics 1 - Percent Complete 0- Unknown 1 - Completed 2 - 80 to 100 % complete 3 - 50 to 80% complete 4 - Less than 50% complete 5 - Roof Maintenance 0 - Unknown Well-maintained roofs tend to hold up better under high wind conditions. 1 - Building maintenance enforced 2 - No building maintenance 6 - Roof Age 0 - Unknown Older roofs may a higher risk in a hurricane. 1 - Zero to five years 2 - Five to ten years 3 - Ten years or more

14. Construction – Secondary Characteristics (Continued) 8 - Roof Parapets 0 - Unknown Roof parapets hang off the edge of roofs and may be a risk in high winds. 1 - Presence of parapets (greater than 3 feet) 2 - No parapets (or parapets less than 3 feet) 10 - Mechanical and Electrical Systems (Roof Only) 0 - Unknown If there are large areas of roof covered with equipment, the building can be more vulnerable to wind because the equipment anchorage can compromise the roof’s integrity. 1 - No equipment and/or skylights 2 - Equipment securely anchored to roof structure 3 - Small area of roof covered by poorly- anchored equipment or skylights 4 - Substantial area of roof covered by non- or poorly-anchored equipment or skylights 12 - External Ornamentation 0 - Unknown Ornamentation includes all elements that can shake loose from either the roof or structural elements of the building. 1 - Little ornamentation 2 - Average amount of ornamentation 3 - Heavy ornamentation

15. Construction – Secondary Characteristics (Continued) 14 - Cladding Rating 0 - Unknown For cladding that is specifically designed and installed for extreme wind loading, the design documents state that engineering review of the cladding has been performed. 1 - Designed for extreme wind loading 2 - Product evaluation report 3 - Not specifically designed for extreme wind loading and/or product evaluation 16 - Architecture Elements 0 - Unknown The presence of many architectural elements, such as tall parapets, overhangs, and carports are vulnerable and may cause increased wind damage to the structure. 1 - None 2 - Canopies, roof overhangs, carports, parapets 17 - Mechanical and Electrical Systems (Building Side Only) 0 - Unknown Mechanical and electrical systems that are attached to external walls can receive damage from high winds. 1 - None 2 - Generally braced 3 - Generally non-braced

16. Construction – Secondary Characteristics (Continued) 19 - Wind Resistance of Window Openings 0 - Unknown Windows with poor wind resistance can expose interior building components and contents to more wind and water hazards than windows with good wind resistance. 1 - Windows with protection designed for extreme wind loading 2 - Windows with protection not designed for extreme wind loading 3 - Jalousie or awning windows 4 - Casement windows 5 - Sliding windows 20 - Wind Resistance of Door Openings 0 - Unknown Doors with poor wind resistance can expose interior building components and contents to more wind and water hazards than doors with good wind resistance. 1 - Good design for wind protection 2 - Average design for wind protection 3 - Not designed for wind protection 4 - No door

17. Construction – Secondary Characteristics (Concluded) 23 - Wind-Driven Missile Exposure 0 - Unknown Buildings may receive damage from airborne missiles, gravel, or from trees within falling distance. 1 - None 2 - Airborne small missiles, gravel, foliage 3 - Protective foliage 4 - Gravel ballast present on buildings 5 - Potential severe missile exposure 6 - Isolated large trees

18. Named Windstorm – No Secondary Characteristics

19. Named Windstorm – Probable Maximum Loss (PML)

20. Named Windstorm – Event Analysis

21. Named Windstorm – Including Secondary Characteristics

22. Named Windstorm – Probable Maximum Loss (PML)

23. Named Windstorm – Event Analysis including Secondary Characteristics

24. Earthquake - Secondary Characteristics Shape Configuration 0 - Unknown Configurations can be regular (square, rectangular, circular) or irregular (L-shape, T-shape, triangular). Irregular buildings tend to twist in addition to shaking laterally. Damage often occurs at the corners between different wings of a building. 1 - Regular 2 - Irregular Setbacks and Overhangs 0 - Unknown Significant setbacks and overhangs can cause irregular structural performance in an earthquake. Resulting stress concentrations can lead to further damage. 1 - No 2 - Yes Cladding 0 - Unknown Even though they have little or no structural value, the cladding elements, such as an exterior wall of unreinforced masonry on a wood frame home, can cause significant loss if they sustain serious damage. Note: This will have the most impact if the cladding is Unreinforced Masonry. 1 - No Cladding 2 - Glass or Precast Concrete 3 - Unreinforced Masonry

25. Earthquake – Secondary Characteristics (Continued) Ornamentation 0 - Unknown Decorative elements that are attached to the exterior of a building and could fall off during an earthquake, such as unbraced parapet walls. 1 - Little or None 2 - Average 3 - Extensive Frame Bolted Down 0 - Unknown Unbolted buildings may slide off their foundations during a strong earthquake, causing significant damage. Anchoring the frame to the foundation has proven to be the best means of protection against earthquake damage in frame structures. 1 - Bolted 2 - Unbolted Purlin Anchoring (AKA "Tilt-up Retrofit") 0 - Unknown In older tilt-up structures, connections between the tilt-up walls and the roof framing system were designed inadequately for earthquake resistance. The failure of these connections can be prevented by the addition of special anchors. 1 - Properly Anchored 2 - Not Properly Anchored

26. Earthquake – Secondary Characteristics (Concluded) Mechanical & Electrical Equipment 0 - Unknown Damage to mechanical and electrical equipment can be prevented by anchoring such equipment to the floor and/or bracing it against structural elements. 1 - Generally Well Braced 2 - Somewhat Braced 3 - Generally Unbraced Pounding 0 - Unknown Pounding occurs when there is little or no clearance between adjacent buildings, and the buildings impact or "pound" against each other as they sway during an earthquake. 1 - No 2 - Yes Tank 0 - Unknown Rooftop tanks on adjoining, higher buildings are a falling hazard during an earthquake. 1 - No 2 - Yes

27. Earthquake – No Secondary Characteristics

28. Earthquake – Probable Maximum Loss (PML)

29. Earthquake – Event Analysis

30. Earthquake – Including Secondary Characteristics

31. Earthquake – Probable Maximum Loss (PML)

32. EQ – Event Analysis including Secondary Characteristics

33. Quiz Connect the Logos

34. Answer “S” for STRIMA S

35. You Are Now Ready For The Underwriting Dance!