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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6269.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6269/wyo-carrier"
warrant = "RECORDED"
name = "Universal Insurance Company (PR) is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6269)"
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."
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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6269/contact"
warrant = "RECORDED"
name = "Universal Insurance Company (PR) WYO flood contact: Michelle Diaz, Flood Insurance Coordinator"
text = "FEMA lists Michelle Diaz (Flood Insurance Coordinator) as the WYO program contact for Universal Insurance Company (PR). Contact details: (787) 706-7372, midiaz@universalpr.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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6269/service-states"
warrant = "RECORDED"
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."
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/6269/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 Universal Insurance Company (PR) 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 = "Universal Insurance Company (PR)"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "NFIP node ID"
Value = "6269"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact name"
Value = "Michelle Diaz"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Phone"
Value = "(787) 706-7372"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Website"
Value = "https://www.universalpr.com/UPPublic/Home.aspx?UniqueName=Home_Flood+Personal"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Service states"
Value = "PR"
Warrant = "RECORDED"
