1. CONSUMER PERCEPTIONS OF INSURERS Jeanne M. Salvatore Senior Vice President, Public Affairs, Insurance Information Institute SAFE HOMES FOR ALL LEADERSHIP FORUM June 23-24th, Washington D.C.

2. CONSUMER POLL: 2009 I.I.I. PULSE SURVEY Source: Insurance Information Institute Annual Pulse Survey. Q. DO YOU THINK THAT THESE PROBLEMS (THE MORTGAGE PROBLEMS SOME AMERICANS FACE, THE DROP IN THE STOCK MARKET AND JOB LAYOFFS) AFFECT THE ABILITY OF INSURANCE COMPANIES TO PAY THEIR CLAIMS, TO SELL MORE INSURANCE, BOTH, NONE OF THESE (DOESN’T AFFECT ABILITY TO PAY CLAIMS OR SELL INSURANCE) OR DON’T KNOW? 71% of Americans think that the downturn in the economy affects the basic business of the insurance industry: the ability to pay claims and/or sell insurance Key I.I.I. Communications Message: The insurance industry has the financial strength to pay for hurricanes and other insured disasters

3. CONSUMER POLL: 2009 I.I.I. PULSE SURVEY Source: Insurance Information Institute Annual Pulse Survey. Q. DO YOU HAVE A SEPARATE FLOOD INSURANCE POLICY?

4. Key Insurance Tips for Consumers Insurance is Crucial in a Sagging Economy  Renters should purchase renters insurance  Purchase enough insurance to rebuild home and replace belongings.  Important to ask about flood insurance  Everyone should have an up-to-date and an evacuation plan.

5. Key Insurance Tips for Consumers There are Smart Ways to Cut Insurance Costs & Those that are Financially Dangerous Dangerous  Reducing coverage because of declining property damage.  Dropping flood or other important insurance protections Smart & Savvy  Shopping around, raising deductibles & asking about every available discount. www.iii.org