name = "Auto-Owners Insurance Company — FEMA WYO Flood Carrier (NFIP node 6263)"
description = "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: Auto-Owners Insurance Company (NFIP node 6263). Service area: AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, UT, VA, WA, WI. Contact: Marti Wieber, Manager Flood Underwriting. 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/6263.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6263/wyo-carrier"
warrant = "RECORDED"
name = "Auto-Owners Insurance Company is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6263)"
text = "FEMA's WYO carrier directory lists Auto-Owners Insurance Company as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6263. 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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6263/contact"
warrant = "RECORDED"
name = "Auto-Owners Insurance Company WYO flood contact: Marti Wieber, Manager Flood Underwriting"
text = "FEMA lists Marti Wieber (Manager Flood Underwriting) as the WYO program contact for Auto-Owners Insurance Company. Contact details: (517) 323-1201."
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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6263/service-states"
warrant = "RECORDED"
name = "Auto-Owners Insurance Company NFIP service area: AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, UT, VA, WA, WI"
text = "FEMA's WYO directory records AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, UT, VA, WA, WI as the service state(s) for Auto-Owners Insurance Company'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/6263/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 Auto-Owners 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."
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 = "Auto-Owners Insurance Company"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "NFIP node ID"
Value = "6263"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact name"
Value = "Marti Wieber"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Phone"
Value = "(517) 323-1201"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Website"
Value = "https://www.auto-owners.com/insurance/flood"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Subsidiaries"
Value = "Concord General Mutual Insurance Company, Owners Insurance Company"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Service states"
Value = "AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, UT, VA, WA, WI"
Warrant = "RECORDED"
