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  "name": "Universal Insurance Company (PR) — FEMA WYO Flood Carrier (NFIP node 6269)",
  "description": "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: Universal Insurance Company (PR) (NFIP node 6269). Service area: PR. Contact: Michelle Diaz, Flood Insurance Coordinator. All fields RECORDED verbatim from FEMA WYO carrier directory. Not a financial rating. CC0.",
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      "text": "FEMA's WYO carrier directory lists Universal Insurance Company (PR) as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6269. WYO carriers sell and service NFIP flood insurance policies under their own brand but backed by the federal government.",
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      "name": "Universal Insurance Company (PR) WYO flood contact: Michelle Diaz, Flood Insurance Coordinator",
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      "name": "Universal Insurance Company (PR) NFIP service area: PR",
      "text": "FEMA's WYO directory records PR as the service state(s) for Universal Insurance Company (PR)'s WYO flood insurance program. Verify current availability in your state at FloodSmart.gov or through a licensed agent.",
      "claimType": "official_fact",
      "reviewStatus": "current",
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