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Howard Waldrop, AVP
Property Market Segment

Feel free to ask Howard questions and give him your ideas using this form.

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Green Building Article Series
Read our five-part 360Value Green Building Article Series, and learn about the impact of green building and why it’s important, green building methods and materials, and green certifications.

ISO's Green Building Upgrade Coverage Answers an Eco-Friendly Call
Read about the industry’s first standard coverage option for commercial property owners interested in rebuilding damaged property with green alternatives.

Learn more »

Feature Story

Mortgage Fraud: Hidden Dangers for Property/Casualty Insurers

by Ann Fulmer and Cecil Rhodes

As residential foreclosures have risen over the past few years to unprecedented levels, the financial fallout has been staggering. The federal government has had to spend trillions of dollars to stabilize the economy, and hundreds of mortgage banks have folded along with storied Wall Street brokerages. According to the FBI, fraudulent mortgage transactions are at epidemic levels. Fraud is the fuel of the foreclosure crisis because fraudulent mortgages almost always end in foreclosure. While the direct financial loss is sustained by the lender or the investor and its mortgage and title insurers, mortgage fraud can adversely affect property/casualty insurers in unforeseen ways, leaving them exposed to unexpectedly high claims levels and mispriced risk. Full story

The 2009 Atlantic Hurricane Season in Perspective
November 30, 2009 marked the official end of the Atlantic hurricane season. With nine named storms, including three hurricanes, and no U.S. landfalling hurricanes, this season was the second quietest since 1995. Read AIR Worldwide’s detailed analysis.

LOCATION Analyst: A GIS Like No Other
Insurers are looking for ways to spatially explore and analyze vast amounts of policy and claims data so they can make intelligent risk-management decisions. Learn about ISO’s new GIS risk-management tool to help you analyze your books of business for underwriting, ratemaking, catastrophe assessment and response, customer service and retention, and hazard mitigation.

The Value of COPE Information for Insurers
How does the building you’re insuring compare with similar ones? Are there hazards at the property? What fire safeguards exist? Read about how ISO’s databases of information on construction, occupancy, public and private fire protection, and exposure (COPE) help you make the right business decisions.