name = "First Insurance Company of Hawaii — FEMA WYO Flood Carrier (NFIP node 6300)"
description = "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: First Insurance Company of Hawaii (NFIP node 6300). Service area: AS, GU, HI. Contact: Lance Kawano, Vice President. 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/6300.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6300/wyo-carrier"
warrant = "RECORDED"
name = "First Insurance Company of Hawaii is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6300)"
text = "FEMA's WYO carrier directory lists First Insurance Company of Hawaii as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6300. 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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6300/contact"
warrant = "RECORDED"
name = "First Insurance Company of Hawaii WYO flood contact: Lance Kawano, Vice President"
text = "FEMA lists Lance Kawano (Vice President) as the WYO program contact for First Insurance Company of Hawaii. Contact details: (808) 527-7684, lance.kawano@ficoh.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falsifier = "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."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/6300/service-states"
warrant = "RECORDED"
name = "First Insurance Company of Hawaii NFIP service area: AS, GU, HI"
text = "FEMA's WYO directory records AS, GU, HI as the service state(s) for First Insurance Company of Hawaii'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/6300/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 First Insurance Company of Hawaii 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 = "First Insurance Company of Hawaii"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "NFIP node ID"
Value = "6300"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Contact name"
Value = "Lance Kawano"
Warrant = "RECORDED"

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

[[flood-carrier-identity]]
Field = "Phone"
Value = "(808) 527-7684"
Warrant = "RECORDED"

[[flood-carrier-identity]]
Field = "Email"
Value = "lance.kawano@ficoh.com"
Warrant = "RECORDED"

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

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

[[flood-carrier-identity]]
Field = "Service states"
Value = "AS, GU, HI"
Warrant = "RECORDED"
