1. TDI, THE INSURANCE INDUSTRY & DISASTER RESPONSE JACK EVINS TEXAS DEPARTMENT OF INSURANCE

2. TOPICS - OVERVIEW  TDI’s role regarding disasters  Coordination with the insurance industry  Disaster-related resources  Other issues/questions

3. TEXAS’ DISASTER EXPOSURES

4. TDI’s Role Regarding Disasters  Coordination with other state/federal agencies  Loss prevention/mitigation  Solvency monitoring  Consumer assistance  Complaints & market conduct monitoring  Outreach activities

5. TDI, the Industry & Disasters  Texas State Disaster Coalition (TSDC)  Established in early 2001  Broad membership  State government (TDI, GDEM, Office of Atty. Gen’l, et al)  Emergency management organizations  Insurers  Trade groups  Quarterly meetings

6. TDI, the Industry & Disasters  TSDC: Issues Addressed  Coordinated disaster plan  Information sharing  Post-event access to impacted areas  Adjuster licensing  Industry preparedness  Annual disaster plan survey

7. TDI Disaster Survey   Does the company have a disaster response plan?   How the company will address increased claims activity?   How claims will be handled?   How staff will be trained regarding Texas- specific insurance coverages?

8. TDI Disaster Survey   Does the company have a business continuity plan?   How the plan been reviewed in the last 12 months?   Is the plan tested periodically?   Does the plan assign restoration priority to all significant business activities?

9. TDI, the Industry & Disasters  Responding to the 2005 hurricanes  TSDC conference calls  Insurance assistance centers  Data calls  Commissioner bulletins  TDI & SIIS websites

10. TDI, the Industry & Disasters  Dealing with billing/collection issues  Bills/payments undeliverable  Delayed delivery of cancellation notices  Final audits unavailable  Billing systems & geographical billing blocks

11. Disaster Resources on the Web

17. Other Issues/Questions  Agents “out of trust”  Handling TDI complaints  Report fraud! 1-888-327-8818 or online at www.tdi.state.tx.us/fraud/onlinereport.html www.tdi.state.tx.us/fraud/onlinereport.html  Other questions?

18. CONTACT TDI On the web: www.tdi.state.tx.us www.tdi.state.tx.us By phone: 1-800-252-3439 Personal contact: Jack.Evins@tdi.state.tx.us 512-463-6580 Thank you! Thank you!