1. RiskMeter Online Training

2. Agenda What is RiskMeter Online? What is RiskMeter Online? How to Log In & Search How to Log In & Search Basics of Geocoding Basics of Geocoding Choosing risk reports Choosing risk reports Live Demo Live Demo –Using Map Functions –Understanding risk data

3. What is RiskMeter Online? Online tool for insurance professionals Online tool for insurance professionals Property look-ups for risk & hazard info Property look-ups for risk & hazard info –Quick, accurate information based on location –Over 30 risk & hazard reports available No digging for information! No digging for information! –Order multiple reports at once

4. Why use RiskMeter? Quick results, easy to use Quick results, easy to use Eliminates possibility of human error Eliminates possibility of human error Specific values returned Specific values returned Decreases turnaround time for quoting and pricing policies Decreases turnaround time for quoting and pricing policies

5. Starting out… Click the Log In button to begin Click the Log In button to begin Type your Username and Password Type your Username and Password –Enter Member ID on the second screen if necessary

6. Searching for a Property Address Enter a complete, valid address Enter a complete, valid address Street number is important! Street number is important! Zip code is optional – if you don’t have one, leave it blank Zip code is optional – if you don’t have one, leave it blank Garbage In/Garbage Out!

7. Address Verification The address you’ve entered is cleaned up and matched The address you’ve entered is cleaned up and matched –CASS certification software  Standardizes the address  Fixes spelling errors  Finds zip code + 4  Corrects suffix Always double-check that the address returned is the correct address to search! Always double-check that the address returned is the correct address to search! Note: If you enter an address that does not exist in the town or zip provided, RiskMeter will find a name that is the closest match, or will give a list of alternative addresses.

8. Report Selection List of reports shows only those available for the address entered List of reports shows only those available for the address entered Two columns: Two columns: –Run Test vs. Show Map Layer Your account is only charged for ordered reports Your account is only charged for ordered reports The Map Layer can be toggled on/off on the report page as well The Map Layer can be toggled on/off on the report page as well Run Test Show Map Layer

9. Available RiskMeter Reports 2010 Distance to Shore Distance to Shore Distance to Intracoastal (FL) Distance to Intracoastal (FL) Tier 1 Counties Tier 1 Counties Storm Surge Model Storm Surge Model State Wind Pool Eligibility State Wind Pool Eligibility (AL, FL, GA, LA, MS, NC, NJ, SC & TX) (AL, FL, GA, LA, MS, NC, NJ, SC & TX) FL Wind Loss Mitigation FL Wind Loss Mitigation Sink Holes (FL & PA) Sink Holes (FL & PA) Flood Zone Determinations Flood Zone Determinations Flood Elevation Flood Elevation City and County Lookups City and County Lookups Elevation/Slope/Aspect Elevation/Slope/Aspect Hail and Tornado Exposure Hail and Tornado Exposure Responding Fire District Responding Fire District Distance to Fire Stations Distance to Fire Stations Fire Perimeters Fire Perimeters Brush Fire Zones Brush Fire Zones - CDS Wildfire (AZ, CA, CO, ID, MT, NM, NV, OR, SD, UT, WA & WY) (AZ, CA, CO, ID, MT, NM, NV, OR, SD, UT, WA & WY) - Renie Ad Maps (CA Only), - Bates/SRA Zones (CA Only) Crime Scores Crime Scores Distance to Earthquake Faults Distance to Earthquake Faults CA PML Quake Zones CA PML Quake Zones EQECat Assess Test EQECat Assess Test - MMI, Soil Type, Magnitude, Distance to Faults EQECat Advanced Score EQECat Advanced Score AP Fault Zones (CA Only) AP Fault Zones (CA Only) CA Liquefaction/Landslide CA Liquefaction/Landslide State Premium Tax Codes State Premium Tax Codes (AL, DE, FL, GA, IL, KY, LA, NJ, NY, SC & TX) (AL, DE, FL, GA, IL, KY, LA, NJ, NY, SC & TX) Customer Defined Rating Territory Customer Defined Rating Territory Policy Exposure Module Policy Exposure Module Protection Class (MS) Protection Class (MS) Year Built/Sq Footage Year Built/Sq Footage Building Characteristics Building Characteristics Tsunami (HI) Tsunami (HI) Lava Flow (HI) Lava Flow (HI) Aerial Photos Aerial Photos Batch Processing Batch Processing

10. New Reports Distance to Work Distance to Work Distance to Closest Levee (CA, LA) Distance to Closest Levee (CA, LA) AALs & PMLs AALs & PMLs –Earthquake –Wind –Convective Storm –Winter Storm

11. Mapping Engine Geocoding: the process of taking an address on paper and creating a point on a digital map representing that location. Geocoding: the process of taking an address on paper and creating a point on a digital map representing that location. Three Geocoders built into the software Three Geocoders built into the software –Higher match rate

12. Geocoding Accuracy Different levels of confidence help you understand the accuracy of each match Different levels of confidence help you understand the accuracy of each match  S6 – Exact Match to Point Zip Code  S5 – Exact Point Match  S4 – Street Match  S3 – Zip+4 Match  S2 – Zip+2 Match  S1 – Zip Centroid Match  SX – Street Intersection Match 90% of lookups are S5 matches or better! RiskMeter processes a few million addresses per month

13. Understanding Geocoding Matches – S5 This is the most common and accurate match This is the most common and accurate match S5 means that the address was coded down to the street number S5 means that the address was coded down to the street number

14. Understanding Geocoding Matches – S4 Another common match that is considered accurate Another common match that is considered accurate S4 means the property was mapped to the center of the street segment S4 means the property was mapped to the center of the street segment

15. Understanding Geocoding Matches – S3 The next type of match in order of accuracy The next type of match in order of accuracy With an S3 match, the system maps the location to the center of the zip code + 4 defined area With an S3 match, the system maps the location to the center of the zip code + 4 defined area

16. Unacceptable Georesults The RiskMeter will not provide risk information for S1 & S2 Georesults The RiskMeter will not provide risk information for S1 & S2 Georesults –These are not considered accurate matches No information is better than the wrong information! No information is better than the wrong information! More research may be necessary to yield accurate results More research may be necessary to yield accurate results

17. Address Matching Computer-aided mapping uses address dictionaries, databases, and maps Computer-aided mapping uses address dictionaries, databases, and maps –Updates are not automatic –Zip codes change often –Many streets have more than one name –New developments and subdivisions may not be mapped out yet

18. Alternate Ways to Search Other search options available Other search options available Intersection tab will locate subject to that corner Intersection tab will locate subject to that corner Lat/Long search will give an exact Lat/Long search will give an exact match for those coordinates match for those coordinates

19. Map Layers Visual representation of data overlaid on street map Visual representation of data overlaid on street map View different layers one at a time View different layers one at a time Each layer has a corresponding color-coded legend Each layer has a corresponding color-coded legend Flood Zone Crime Scores Wildfire Risk

20. Using the Map Functions To use functions in the tool-bar… To use functions in the tool-bar… –Click the radio button to the left of the word –Click once on the map or photo Tip: Use the “Enter” key on your keyboard Tip: Use the “Enter” key on your keyboard –The map will re-center any time you click on it to keep the property in the center.

21. Zooming the Map In & Out Zoom Level represents the distance from East to West on the map. Zoom Level represents the distance from East to West on the map. –To quickly zoom to your desired level, type in the Zoom Level box. Use the Zoom In or Zoom Out buttons to zoom to ½ or 2x your current level. Use the Zoom In or Zoom Out buttons to zoom to ½ or 2x your current level. Zoom your map to an appropriate level to get the clearest view of nearby risks! Zoom your map to an appropriate level to get the clearest view of nearby risks! 2 mi 0.25 mi

22. Manually Placing the Subject Marker Use this option to physically locate the property by hand. Use this option to physically locate the property by hand. After checking the Manual Placement button, click ONCE on the map or aerial photo to relocate the subject marker. After checking the Manual Placement button, click ONCE on the map or aerial photo to relocate the subject marker. –Advance this slide in PPT for an animation RiskMeter will automatically recalculate your results for the new location! RiskMeter will automatically recalculate your results for the new location! Technique: Zoom in and zoom out as necessary to find the location of the property. Note: Only click once and allow the page to reload the test results and map. Click Right on the Rooftop

23. Measuring with the One-Click Ruler Use the Distance button to find out how far away any point on the map is from the property. Use the Distance button to find out how far away any point on the map is from the property. –E.g. Flood Zone, Shoreline, Brushfire Area, ETC. One-Click: Locate the target and click ONCE One-Click: Locate the target and click ONCE –The measurement will BEGIN at your subject and END at your target Distance

24. Aerial Photos w/ Overlay We can now overlay hazard maps right on top of the aerial image. We can now overlay hazard maps right on top of the aerial image. This capability allows users to see how hazards correlate to physical buildings. This capability allows users to see how hazards correlate to physical buildings. The More Info button will provide specifics about the downloaded photo. The More Info button will provide specifics about the downloaded photo.

25. Aerial Photos Note: Not all aerial photos are equal! If you zoom in on a map, RiskMeter will search for the clearest photo available. This means that you might download a new image that was taken at a different height above the ground.

26. Tips & Tricks Print or Save your report Print or Save your report Auto Log-In Tool Auto Log-In Tool –Stores your login info Glossary/Resources Site & Other Links Glossary/Resources Site & Other Links

27. Account Customization The RiskMeter is highly customizable based on your company’s guidelines or standards The RiskMeter is highly customizable based on your company’s guidelines or standards Parameters of reports can be set by you Parameters of reports can be set by you Coastlines and data sets can also be customized Coastlines and data sets can also be customized Call your Account Representative to make any changes to your account Call your Account Representative to make any changes to your account

28. Checking your Account Check Number of Credits Remaining Check Number of Credits Remaining Change Address, Contact, E-Mail address or Phone Number Change Address, Contact, E-Mail address or Phone Number Change Password Change Password Note: Changes to some accounts can only be made by calling or emailing us.

29. Batch Availability Any RiskMeter reports can be run in a batch Any RiskMeter reports can be run in a batch This means you can submit schedules of addresses for analysis and receive results in a spreadsheet format. This means you can submit schedules of addresses for analysis and receive results in a spreadsheet format. –Grouped policies, book of business, etc. Online service is available that requires no human intervention – results are returned in minutes! Online service is available that requires no human intervention – results are returned in minutes! Contact CDS Business Mapping for more Information. Contact CDS Business Mapping for more Information.

30. Troubleshooting Never use the back button! Never use the back button! –RiskMeter uses live client server mapping, meaning there are no static images. Using the back button can confuse the system. Go to the RiskMeter homepage and Refresh the page. Go to the RiskMeter homepage and Refresh the page. Delete your temporary internet files (Tools Menu > Internet Options > General tab > Delete Files). Delete your temporary internet files (Tools Menu > Internet Options > General tab > Delete Files). –99% of symptoms are relieved with these tricks. –If you are still experiencing problems, call CDS Business Mapping. –For Geocoding problems, check the resources section for the Geocoding Help Guide.

31. Newsletter We send out a monthly newsletter describing what’s going on at Riskmeter: We send out a monthly newsletter describing what’s going on at Riskmeter: –New Reports –Report updates –Partnerships –Featured Webex

32. FREE TRIAL Try out any report yourself! Try out any report yourself! To request a free trial for any new report, please contact your account representative! To request a free trial for any new report, please contact your account representative!

33. CDS Business Mapping, LLC If you have any questions, please call 1-800-746-7797 (617)737-4444 Dan Munson, Vice President of Sales and Marketing dmunson@cdsys.com Ryan Turgeon, Customer Service rturgeon@cdsys.com @cdsys.com Add reports to your account? Customize any reports? Turn on batch processing? Copy of Power Point?