1. January 23, 2013 Robin Smith Westcott, Esq. Florida Insurance Consumer Advocate Tallahassee, Florida Senate Banking and Insurance Committee

2.  ADVISORY COUNCIL  PUBLIC MODEL  DATABASE OF MITIGATION  LEVERAGE OF FEDERAL FLOOD PROGRAM  RESTRUCTURE MITIGATION CREDITS  COMMERCIAL PROPERTIES  MITIGATION PROGRAMS & GRANTS  OUTREACH & EDUCATION

3. OIRDEM Public Model Office of Insurance Regulation Division of Emergency Management

4. Hurricane Risk Sinkhole Risk Mitigation Features Insurable Values Rating Information

6. Broward County Built 1978 Square Foot 1475 2001 Purchase Price $163,000 2003 Purchase Price $216,000 2008 Purchase Price $185,000 2012 Market Value $163,840 Insurance Coverage A Limit $224,600 - Premium $2,420

8.  For every $1.00 spent on reinsurance and Cat bonds the expected recovery is.16 cents.  For every $1.00 spent on mitigation the expected loss savings is $2.00.