name = "QBE Insurance Corporation — FEMA WYO Flood Carrier (NFIP node 6258)"
description = "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: QBE Insurance Corporation (NFIP node 6258). 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: Kristi Gayle, Flood Coordinator. 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/6258.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6258/wyo-carrier"
warrant = "RECORDED"
name = "QBE Insurance Corporation is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6258)"
text = "FEMA's WYO carrier directory lists QBE Insurance Corporation as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6258. 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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6258/contact"
warrant = "RECORDED"
name = "QBE Insurance Corporation WYO flood contact: Kristi Gayle, Flood Coordinator"
text = "FEMA lists Kristi Gayle (Flood Coordinator) as the WYO program contact for QBE Insurance Corporation. Contact details: (877) 372-3996, kristi.gayle@us.qbe.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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6258/service-states"
warrant = "RECORDED"
name = "QBE Insurance Corporation 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 QBE Insurance Corporation'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/6258/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 QBE Insurance Corporation 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 = "QBE Insurance Corporation"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "NFIP node ID"
Value = "6258"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact name"
Value = "Kristi Gayle"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Phone"
Value = "(877) 372-3996"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Email"
Value = "kristi.gayle@us.qbe.com"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Website"
Value = "https://www.qbe.com/us/programs/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"
