{
  "@context": {
    "schema": "https://schema.org/",
    "au": "https://coverage-atlas.ryanjhunter.workers.dev/vocab/agent-native#",
    "@vocab": "https://schema.org/",
    "claims": {
      "@id": "au:claims",
      "@container": "@list"
    },
    "epistemicStatus": "au:epistemicStatus",
    "occurred": "au:occurred",
    "supported": "au:supported",
    "adjudged": "au:adjudged",
    "operative": "au:operative",
    "grounding": "au:grounding",
    "groundingType": "au:groundingType",
    "adjudicator": "au:adjudicator",
    "source": "au:source",
    "sourceUrl": "au:sourceUrl",
    "value": "au:value",
    "claimType": "au:claimType",
    "reviewStatus": "au:reviewStatus",
    "commercialInfluence": "au:commercialInfluence",
    "falsifier": "au:falsifier"
  },
  "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6249.jsonld",
  "@type": "schema:Dataset",
  "name": "American National Property and Casualty Company — FEMA WYO Flood Carrier (NFIP node 6249)",
  "description": "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: American National Property and Casualty Company (NFIP node 6249). Service area: AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY. Contact: Taylor Keller, Brokerage Consultant. All fields RECORDED verbatim from FEMA WYO carrier directory. Not a financial rating. CC0.",
  "license": "https://creativecommons.org/publicdomain/zero/1.0/",
  "isAccessibleForFree": true,
  "isPartOf": "https://coverage-atlas.ryanjhunter.workers.dev/",
  "rdfs:isDefinedBy": "https://coverage-atlas.ryanjhunter.workers.dev/vocab/agent-native",
  "seeAlso": "https://agenticu.ryanjhunter.workers.dev/commons/the-research-object",
  "isBasedOn": {
    "@type": "Dataset",
    "name": "FEMA Write-Your-Own (WYO) Carrier Directory",
    "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
    "creator": {
      "@type": "Organization",
      "name": "Federal Emergency Management Agency (FEMA)"
    }
  },
  "about": {
    "@type": "schema:Organization",
    "name": "American National Property and Casualty Company",
    "identifier": "6249"
  },
  "claims": [
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6249/wyo-carrier",
      "@type": "schema:Claim",
      "name": "American National Property and Casualty Company is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6249)",
      "text": "FEMA's WYO carrier directory lists American National Property and Casualty Company as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6249. WYO carriers sell and service NFIP flood insurance policies under their own brand but backed by the federal government.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "NFIP node 6249",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6249/contact",
      "@type": "schema:Claim",
      "name": "American National Property and Casualty Company WYO flood contact: Taylor Keller, Brokerage Consultant",
      "text": "FEMA lists Taylor Keller (Brokerage Consultant) as the WYO program contact for American National Property and Casualty Company. Contact details: (417) 887-4990, taylor.keller@americannational.com.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "Taylor Keller, Brokerage Consultant",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6249/service-states",
      "@type": "schema:Claim",
      "name": "American National Property and Casualty Company NFIP service area: AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
      "text": "FEMA's WYO directory records AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY as the service state(s) for American National Property and Casualty Company's WYO flood insurance program. Verify current availability in your state at FloodSmart.gov or through a licensed agent.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, 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"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6249/boundary",
      "@type": "schema:Claim",
      "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 American National Property and Casualty 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.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas L5 boundary (WYO directory ≠ financial rating or quote)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/",
        "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."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "American National Property and Casualty Company — FEMA WYO carrier directory",
      "numberOfItems": 9,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "Field": "Company name",
            "Value": "American National Property and Casualty Company",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "Field": "NFIP node ID",
            "Value": "6249",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "Field": "Contact name",
            "Value": "Taylor Keller",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "Field": "Contact title",
            "Value": "Brokerage Consultant",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "Field": "Phone",
            "Value": "(417) 887-4990",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "Field": "Email",
            "Value": "taylor.keller@americannational.com",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Field": "Website",
            "Value": "https://amnatlflood.com/",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Field": "Subsidiaries",
            "Value": "—",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "Field": "Service states",
            "Value": "AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
            "Warrant": "RECORDED"
          }
        }
      ]
    }
  ]
}