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  "name": "Allstate Insurance Company — FEMA WYO Flood Carrier (NFIP node 6245)",
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    "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
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      "@type": "schema:Claim",
      "name": "Allstate Insurance Company is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6245)",
      "text": "FEMA's WYO carrier directory lists Allstate Insurance Company as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6245. WYO carriers sell and service NFIP flood insurance policies under their own brand but backed by the federal government.",
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        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "NFIP node 6245",
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          "name": "FEMA WYO carrier directory",
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      "name": "Allstate Insurance Company NFIP service area: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
      "text": "FEMA's WYO directory records AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY as the service state(s) for Allstate Insurance Company's WYO flood insurance program. Verify current availability in your state at FloodSmart.gov or through a licensed agent.",
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      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
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        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
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      "name": "What this FEMA WYO carrier record is — and is NOT",
      "text": "This is a verbatim contact record from FEMA's WYO carrier directory. It confirms that Allstate Insurance Company is authorized to sell NFIP flood insurance policies through the Write-Your-Own program. It is NOT a financial strength rating, a claims history, a price quote, or a guarantee of availability in every ZIP code. For NFIP coverage, contact the carrier directly or a licensed flood insurance agent.",
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        "source": "Coverage Atlas L5 boundary (WYO directory ≠ financial rating or quote)",
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        "value": "FEMA WYO directory listing — not a financial rating or coverage quote",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (an in-house reading, not an authority's verdict) — the LOWEST-warrant claim here. A flat representation would render this identically to the official facts; the four-status does not."
    }
  ],
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      "name": "Allstate Insurance Company — FEMA WYO carrier directory",
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