FAIR Foundation Virtual Conference Series: Building a Culture of Preparedness September 23 – October 29, 2020

Virtual conference series of panels and presentations designed to provoke discussion and educate participants on improving society’s ability to be resilient.

Track 1: Emergency Management Partner: International Association of Emergency Managers

September 23, 2020 1:00-2:00 pm ET- The Human Nature Challenge: How People Deal with Catastrophes Presentation by Dr. Howard Kunreuther, Author of The Ostrich Paradox: Why We Underprepare for Disasters (All Emergency Management track and universal pass participants will receive a copy of the book)

3:00-4:00 pm ET- Identifying and Serving At-Risk Populations How do emergency managers and local governments identify and communicate with vulnerable populations for pre catastrophe evacuation and shelter and post catastrophe recovery? What are the resource needs once identified? What are some best practices? Moderator: Jack Ellison, Sr Vice President and Treasurer, AARP (Ret.), FAIR Foundation Chairman Panelists: Curtis Brown, State Coordinator of Emergency Management, Virginia Department of Emergency Management and Co-Founder, Institute for Diversity & Inclusion in Emergency Management Brittany Perkins Castillo, CEO, AshBritt Environmental Gladys Cook, Resilience and Recovery Director, Housing Coalition Kevin Guthrie, Deputy Director and SERT Chief, Florida Division of Emergency Management Teri Smith, USA President, International Association of Emergency Managers

September 24, 2020 1:00-2:00 pm ET- Evacuating and Sheltering During a Pandemic Moderator: Kyle McPhee, Director of Preparedness Programs, Hagerty Consulting Panelists: Chris Thomas, Recovery Program Manager, Hagerty Consulting Jeff Byard, VP of Government Relations & Emergency Management, Team Rubicon Carlos Castillo, Chief Development Officer, Tidal Basin Group Emmie Mediate, Chief of Staff, American Flood Coalition

3:00-4:00 pm ET- BONUS PANEL- “Get Ready Broward!” Initiative. A proposal to closely coordinate local governments to better identify and service at-risk populations to prepare for catastrophic events. Presenter: Matthew Schnur, Project Manager, FAIR

Track 2: Resiliency Public Policy Partner: The Pew Charitable Trust

September 30, 2020 1:00-2:00 pm ET- Urban Resiliency—Panel of Mayors discuss their efforts and challenges Moderator: Ron Klein, Shareholder, Holland and Knight, Former U.S. Representative Florida FAIR Foundation Board member Panelists: Mayor , City of Tampa Mayor Dan Gelber, City of Beach Mayor Van R. Johnson, City of Savannah, GA (invited) Mayor , City of St. Petersburg, FL (invited) Mayor Dean Trantalis, City of Fort Lauderdale

3:00-4:00 pm ET- Resiliency Through Mitigation Data shows that mitigation creates jobs and significant savings post catastrophe ($6 for every $1 invested). How do we get property owners to understand the benefits of mitigating existing structures? What additional incentives do we need to employ to encourage community-scale mitigation? What is the role of local, state, and federal funding and what macro policy changes are needed? Moderator: Laura Lightbody, Project Director, Flood Preparedness, Pew Charitable Trust Panelists: Glenn Pomeroy, CEO, California Earthquake Authority Melissa Roberts, Executive Director, American Flood Coalition Jessica Whitehead, Chief Resiliency Officer, North Carolina Office of Recovery & Resiliency

October 1, 2020 1:00-2:00 pm ET- Flood Risk Management—What Changes are on the Horizon? Federal Insurance and Mitigation Administration’s mission extends well beyond providing flood insurance. The mission includes mitigation, flood plain management, and mapping modeling flood risk. What are the planned reforms in these other mission areas? How do we value the societal impacts and adequately fund these missions? How do these other mission areas thrive with the growth of private insurance options? Moderator: BG Peter “Duke” Deluca, US Army (Ret.) Former Commandant US Army Engineering School, Former Commander US Engineering Forces Iraq and Afghanistan, FAIR Foundation Board Vice Chairman Panelists: Chad Berginnis, Executive Director, Association of State Floodplain Managers Sam Brody, Director, Center for Texas Beaches, Texas A&M University Beth Cooper, Professional Staffer, US Senate Banking Committee (invited) Matthew Eby, Founder and Executive Director, First Street Foundation Michael Harper, Senior Strategist, Woolpert, Former Director, US Army Geospatial Center

3:00-4:00 pm ET- BONUS PANEL- First Street Foundation- Flood Factor Presenter: Matthew Eby, Founder and Executive Director, First Street Foundation

Track 3: Real Estate and Risk Partner: NAHREP- National Association of Hispanic Real Estate Professionals, Missouri Realtors®

October 7, 2020 1:00-2:00 pm ET- Realtors-The New Flood Insurance Experts? How do we increase flood insurance coverage? The current distribution system is not working effectively for flood insurance. We should have 40+ million flood policies in force nationally not 5+ million. Although Realtors are not expected to sell flood insurance, they are on the front lines in dealing with buyer’s questions and concerns. Will empowering realtors by providing them knowledge and resources to share with clients help make this cultural change and help to close the flood insurance protection gap? If not through Realtors, how do we educate insurance consumers? Moderator: Lisa Miller, former Deputy Insurance Commissioner, FL Panelists: Jim Albert, Chairman and Co-Founder, Neptune Flood John Dickson, President and CEO, AON Edge Lisa Foster, Floodplain Administrator, Pinellas County Florida Sean Harper, CEO, Kin Insurance John Sebree, CEO, Missouri Realtors® Maria Wells, Past President, Florida Realtors®

3:00-4:00 pm ET- Water Pollution: Impacts on Real Estate, Tourism, and Risk Management US coastal economies that rely on real estate and tourism must consider risk management impacts when evaluating public policy options. For example, septic tanks in multiple states have been cited as causing problems with drinking water quality and feeding ocean algae and red tide that kills aquatic life, fouls beaches and keeps tourists away. Aging water and sewer infrastructure problems face local governments with severe financial challenges. What public policy solutions should be adopted to help fix these problems? Moderator: Susan Glickman, Florida Director, Southern Alliance for Clean Energy Panelists: Jeff Berardelli, Meteorologist and Climate Contributor, CBS News Don G. Donaldson, PE, CFM, Deputy County Administrator, Martin County Board of County Commissioners Gregory J. Oravec, Mayor, City of Port Saint Lucie, FL Patxi Pastor, Founder and CEO, Celebration of the Sea Foundation

October 8, 2020 1:00-2:00 pm ET- Benefit-Cost Analysis: Floodplain and Sea Level Rise As society comes to grip with the enormous cost of both repetitive flood areas and adapting coastal communities to sea-level rise, it quickly becomes clear that mitigation can’t save everything. How do we evaluate what can be saved? How much value does historic preservation play? Who decides? Moderator: Heather Carruthers, Mayor, Monroe County, Florida Panelists: Ravi Bhalla, Mayor, City of Hoboken, NJ Steve Costello, Chief Recovery Officer, City of Houston Rhonda Haag, Chief Resilience Officer, Monroe County, Florida

3:00-4:00 pm ET- BONUS PANEL- NAHREP-- Minorities and home ownership at disproportionate risk of sea level rise and other catastrophic events Over the past decade, Hispanic home ownership has accounted for more than half of the net growth in new housing ownership nationwide. Hispanic home ownership is likely to be concentrated in densely populated and coastal areas that are prone to catastrophic events. These geographic areas pose a significant threat to life safety and an increase in insurance risk exposures. Climate change will further increase these risks and result in a disproportionate negative impact to our nation's minority groups living within these higher risk communities. How can policymakers and insurers work collaboratively to meet these challenges? Moderator: Noerena Limón, SVP, Public Policy and Industry Relations, NAHREP Panelists: Marion Mollegen McFadden, SVP, Public Policy, Senior Advisor, Resilience, Enterprise Community Partners, Inc. Joseph Nery, 2016 NAHREP President & Partner, Nery & Richardson, LLC John Tankersley, Insurance Agent, Assured Partners

Track 4: Risk Management Partner: eMerge Americas

October 13, 2020 3:00-4:00 pm ET- BONUS PANEL- NOAA- Green Infrastructure

October 14, 2020 1:00-2:00 pm ET- Who Owns the Risk? Where does responsibility lie for a resilient society? Property owners, industry, cities, counties, states, federal government, or all the above? Panelists will discuss fundamental issues of risk ownership impacting the resiliency gap. Moderator: Jay Neal, President and CEO, FAIR Foundation Panelists: Stephen H. Bittel, Chairman and Founder, Terranova Corporation Alan Cohen, Assistant County Administrator, Broward County, FL David Jolly, Executive V.P. & Principal of Shumaker Advisors, Former FL Congressman Jason W. B. Pizzo, Senator, State of Florida Laurie Schoeman, Senior Program Director, Enterprise Community Partners Jim Wrynn, Chief Commercial Officer, National Arbitration & Mediation, Former Superintendent of Insurance at the New York State Department of Insurance

3:00-4:00 pm ET- Technology Trends: Reducing Risk Through Mitigation Technology Technologies that can reduce risk include tools for more effective underwriting, and innovative construction and mitigation building materials and other products. What is the role of engineering in risk management and controlling cost drivers? Moderator: Jeff Reamer, President, Southern Safe Construction, FAIR Board member Panelists: Christopher Evanich, Program Manager for Schneider Electric Michael Graham, CEO, Smartvent Tom Little, Senior Vice President, Floodproofing, Inc Roderick Scott, Board Member, Flood Mitigation Industry Association

October 15, 2020 Panel Sponsor: Claims Questions LLC 1:00-2:00 pm ET- Claims Management: Use of Technology to Manage Claims and Spot Fraud Moderator: Michael Monteverde, Esq., Partner, Zinober Diana P.A. Panelists: Robin Westcott, Former Insurance Consumer Advocate, State of Florida Rock Schindler, Founder & CEO, SDRefinery AI Jeff Choopani, Miami Curtain Wall Rebecca L. Keiver, CPCU, Firm Principal, Claims Questions LLC

3:00-4:00 pm ET- BONUS PANEL- Project Phoenix 2.0- Hurricane Simulation Presenter: Sean Sullivan, Executive Director, Tampa Bay Regional Planning Council

Track 5: Property and Flood Insurance

October 21, 2020 1:00-2:00 pm ET- NFIP Reauthorization and Reform What is the impact of NFIP Risk Rating 2.0 on the Real Estate Market? What are the prospects for continuous coverage and a glidepath for NFIP rate increases? How do the private market and NFIP coexist to expand coverage and make progress to close the protection gap?

Moderator: Jeffrey Bragg, Former NFIP Administrator, Vice Chairman, FAIR Panelists: U.S. Representative Kathy Castor (invited) Paul Huang, Assistant Administrator for Federal Insurance, FEMA Fred Karlinsky, Esq., Shareholder, Greenberg Traurig, P.A. Patty Templeton-Jones, President, Wright Flood

3:00-4:00 pm ET- Private Flood Insurance: Then, Now, What’s to Come? The private flood insurance market is expanding rapidly. What is the role of admitted vs. surplus carriers in residential flood? How do insurance consumers benefit from private flood options? How does a robust private market coexist with NFIP? What are the benefits of an endorsement vs. a stand-alone policy?

Moderator: Sharon Romano Petrelli, VP, Demotech, FAIR Foundation Board Member Panelists: Noel Bunol, Executive VP, Gulf State Insurance Trevor Burgess, CEO, Neptune Flood Chris Heidrick, Agency Principal, Trusted Flood Matt Junge, Senior Vice President-Head of Property Solutions, Swiss RE, US and Canada John W. Rollins, FCAS, MAAA, Principal and Consulting Actuary, Milliman

October 22, 2020 1:00-2:00 pm ET- Concurrent Causation: Was it Flood or Was it Wind? Panel Sponsor: Paul Davis Restoration Moderator: Brad Cowan, Senior Vice President of Business Development, Paul Davis Restoration Panelists: Mike Chaney, Insurance Commissioner, Mississippi Amy L. Koltnow, Esq., Colodny Fass Joseph Petrelli, President and Co-Founder, Demotech Mohammad Sherif, Esq., Partner, Mubarak, Sherif, & Oladipo, PLLC

3:00-4:00 pm ET- BONUS PANEL- “Fireside Chat” featuring David I. Maurstad, CEO, National Flood Insurance Program Interviewer: Jeffrey S. Bragg, Vice Chairman, FAIR and former NFIP administrator

Track 6: Litigation: First Party Property Track Sponsor: Cassel & Cassel P.A.

October 28, 2020 1:00-2:00 pm ET- To sue or not to sue: When is litigation ripe? Panel Sponsors: Daniels Law Group PLLC, Beck Law P.A.

Moderator: Monica Daniels, Daniels Law Group PLLC Panelists: Josh Beck, Beck Law, P.A. Melissa Cutrona, Beck Law Group, P.A. Grace Fede, Beck Law Group, P.A. Cliff Klein, Daniels Law Group PLLC Aaron Warner, Daniels Law Group PLLC

3:00-4:00 pm ET- Decorum in Litigation: Fantasy or possibility? Panel Sponsors: Cassel & Cassel P.A., Bressler, Amery, & Ross P.C.

Moderator: Michael Cassel, Cassel & Cassel P.A. Panelist: Christy Brigman, Cassel & Cassel P.A. Hillary Cassel, Cassel & Cassel P.A. Krista Elsasser, Bressler, Amery, & Ross P.C. Heather Lang, Bressler, Amery, & Ross P.C. Alex Zatik, Cassel & Cassel P.A. Hope Zelinger, Bressler, Amery, & Ross P.C.