name = "Cooperativa de Seguros Multiples de Puerto Rico — FEMA WYO Flood Carrier (NFIP node 6274)"
description = "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: Cooperativa de Seguros Multiples de Puerto Rico (NFIP node 6274). Service area: PR. Contact: Wanda Grau, Vice President of Operations. 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/6274.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6274/wyo-carrier"
warrant = "RECORDED"
name = "Cooperativa de Seguros Multiples de Puerto Rico is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6274)"
text = "FEMA's WYO carrier directory lists Cooperativa de Seguros Multiples de Puerto Rico as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6274. 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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6274/contact"
warrant = "RECORDED"
name = "Cooperativa de Seguros Multiples de Puerto Rico WYO flood contact: Wanda Grau, Vice President of Operations"
text = "FEMA lists Wanda Grau (Vice President of Operations) as the WYO program contact for Cooperativa de Seguros Multiples de Puerto Rico. Contact details: (787) 622-3575, grau@segurosmultiples.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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6274/service-states"
warrant = "RECORDED"
name = "Cooperativa de Seguros Multiples de Puerto Rico NFIP service area: PR"
text = "FEMA's WYO directory records PR as the service state(s) for Cooperativa de Seguros Multiples de Puerto Rico'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/6274/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 Cooperativa de Seguros Multiples de Puerto Rico 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 = "Cooperativa de Seguros Multiples de Puerto Rico"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "NFIP node ID"
Value = "6274"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact name"
Value = "Wanda Grau"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact title"
Value = "Vice President of Operations"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Phone"
Value = "(787) 622-3575"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Website"
Value = "https://www.segurosmultiples.com/multipackcomercial"
Warrant = "RECORDED"

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

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