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Diane Publishing Books
Flood Insurance: Opportunities Exist to Improve Oversight of the WYO Program
Orice Williams Brown (au); Jeanette M. Franzel (au)
Since 2004, private insurance companies participating in FEMA’s Write-Your-Own (WYO) program have collected an average of $2.3 billion in premiums annually and, of this amount, have been paid or allowed to retain an average of $1 billion per year. Questions have been raised about FEMA's oversight of the program in light of the debts FEMA has incurred since the 2005 hurricanes. This report addresses the methods FEMA uses for determining the rates at which WYOs are paid, its marketing bonus system for WYOs, its adherence to financial control requirements for the WYO program, and alternatives to the current system. To do this work, the author obtained the views of select WYOs and flood insurance experts. Charts and tables.
Not Fade Away: The On-Line World Remembers Jerry Garcia
Baby Bonding: Giving Your Child a Secure Start to Life
We the People: Voices & Images of the New Nation
For Your Own Good: The Roots of Violence in Child-Rearing
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