name = "Privilege Underwriters Reciprocal Exchange — FEMA WYO Flood Carrier (NFIP node 6257)"
description = "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: Privilege Underwriters Reciprocal Exchange (NFIP node 6257). 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, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY. Contact: Sarah Agnoli, Flood Director. All fields RECORDED verbatim from FEMA WYO carrier directory. Not a financial rating. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6257.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6257/wyo-carrier"
warrant = "RECORDED"
name = "Privilege Underwriters Reciprocal Exchange is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6257)"
text = "FEMA's WYO carrier directory lists Privilege Underwriters Reciprocal Exchange as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6257. WYO carriers sell and service NFIP flood insurance policies under their own brand but backed by the federal government."
source = "FEMA WYO carrier directory"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6257/contact"
warrant = "RECORDED"
name = "Privilege Underwriters Reciprocal Exchange WYO flood contact: Sarah Agnoli, Flood Director"
text = "FEMA lists Sarah Agnoli (Flood Director) as the WYO program contact for Privilege Underwriters Reciprocal Exchange. Contact details: (401) 391-8450, sagnoli@pureinsurance.com."
source = "FEMA WYO carrier directory"
sourceUrl = "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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6257/service-states"
warrant = "RECORDED"
name = "Privilege Underwriters Reciprocal Exchange 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, NJ, 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, NJ, 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 Privilege Underwriters Reciprocal Exchange's WYO flood insurance program. Verify current availability in your state at FloodSmart.gov or through a licensed agent."
source = "FEMA WYO carrier directory"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6257/boundary"
warrant = "INTERPRETATION"
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 Privilege Underwriters Reciprocal Exchange 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."
source = "Coverage Atlas L5 boundary (WYO directory ≠ financial rating or quote)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
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."

[[flood-carrier-identity]]
Field = "Company name"
Value = "Privilege Underwriters Reciprocal Exchange"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "NFIP node ID"
Value = "6257"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact name"
Value = "Sarah Agnoli"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact title"
Value = "Flood Director"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Phone"
Value = "(401) 391-8450"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Email"
Value = "sagnoli@pureinsurance.com"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Website"
Value = "https://www.pureinsurance.com/coverage-solutions/flood"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Subsidiaries"
Value = "—"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Service states"
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, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY"
Warrant = "RECORDED"
