CDS has just updated RiskMeter’s Tornado report by adding data from 2005. This report is now based on events from 1990 – 2005.

For people who aren’t familiar with this report, RiskMeter’s tornado model gauges the potential for tornado damage for any location in the Continental United States. With this report, users will receive:

Tscale: This is a number between 1 – 100 that represents the frequency of tornado events from 1990 – 2005. The national average is 8, so any Tscale number higher than that is more likely to have a tornado occur.

Tpercentile: This is a percentile score that compares the address entered to the rest of the U.S. For example, a score of 80 would mean that it’s in the top 20% of all areas in the U.S.

Storms per Year: This is the average number of storms per year for the area. The national average is one tornado every three years.

Tornado Score: This is the tornado score based upon the number of tornadoes per year. The scores can be interpreted as follows:

0 – No Tornado Risk – No storms in the area
1 – Below Average Risk – Less than 1 tornado every 5 years
2 – Average Risk – Approximately 1 tornado every 3 - 5 years on average
3 – Elevated Risk – Approximately 1 tornado every 1 - 5 years on average
4 – High Risk – 1-2 tornadoes per year on average
5 – Extreme Risk – More than 2 two tornadoes per year on average

For more information on RiskMeter's tornado report, please contact Daniel Munson at 617.737.4444 or dmunson@cdsys.com

Based upon the new tornado model, RiskMeter has put together a report which includes some very interesting statistics on the frequency and geography of tornadoes. To get a copy, please contact Daniel Munson at 617.737.4444 or dmunson@cdsys.com

CDS has just added 2005 crime data and demographics to the RiskMeter Online's crime report. This information will soon be loaded onto RiskMeter's servers. For users who aren't familiar with this report, all you need to do is enter an address and RiskMeter will return 10 crime scores for a given location.

Many of our customers have found this report to be extremely helpful when writing commercial property, habitational dwellings and commercial policies by identifying high-risk areas prior to instituting coverage. For more information, please contact your account executive at 617.737.4444

The most common natural disaster is flooding. Every state is susceptible to flooding and this problem will only get worse due to new land development and changes in weather patterns and topology. RiskMeter's flood elevation report is the perfect tool for underwriters to dig deeper when it comes to evaluating flood risk. In addition, this report will also benefit agents by allowing them to sell more flood insurance to people who live outside a flood zone.

On Thursday, Oct 5th RiskMeter will be holding a special online demonstration of its flood elevation report. To secure your spot, please register at https://cdsys.webex.com

CDS has just updated the RiskMeter Hail report by adding data from 2005. This report is now based on events from 1990 - 2005.

For people who aren't familiar with this report, RiskMeter's hail model gauges the potential for hail damage for any location in the Continental United States. With this report you will receive:

Hscale: This is a number between 1 – 100 that represents the frequency of hail for the last sixteen years. For example the national average is 5.78 (2.28 hail storms per/yr), so any Hscale number higher than that is more likely to have hail.

Hpercentile: This is a percentile score that compares your lookup to the rest of the US. For example, a score of 10 means that it’s in the lowest 10% of all areas in the US, or a score of 80 means that your lookup is in the top 20% compared to all areas in the US.

Storms per Year: This is the average number of storms per year for the area. The national average is 2.28 storms per year.

Hail Score: This is the hail score based upon the number of storms per year. The scores can be interpreted as follows:

0 – No Risk – No Storms
1 – Low Risk – Less than 2 storms per year
2 – Average Risk – 2 to 3 storms per year
3 – Elevated Risk – 3 to 5 storms per year
4 – High Risk – 5 to 15 storms per year
5 – Extreme Risk – More than 15 storms per year

For more information on the RiskMeter hail report, please contact Daniel Munson at 617.737.4444 or dmunson@cdsys.com

Based upon the new hail model, RiskMeter has put together a report which includes some very interesting statistics on the frequency and geography of hail. To get a copy, please contact Dan Munson at dmunson@cdsys.com or 617.737.4444

Collecting taxes on insurance premiums can be a very time consuming and difficult task. According to an article in the June 13th edition of the Cincinnati Post, at least 11 insurance companies were charging city insurance premium taxes to residents who live in different cities or unincorporated areas.

Currently, several states require insurers to collect taxes on insurance premiums, and report the taxes collected by the jurisdiction to the state. Unfortunately, jurisdictions may include municipalities, counties, city limits and/or fire districts. With the RiskMeter Online, users just need to enter an address to get the correct information. Also, unlike city or zip code based solutions, the RiskMeter’s mapping files accurately reflect the official boundaries regardless of the mailing address.

Please contact your account executive at 617.737.4444 for more information on this report or to run your book of business through our software in batch.

RiskMeter’s Flood Elevation report is now live in the following states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IN, KY, LA, MA, MD, ME, MS, NC, NH, NJ, NM, NV, NY, OR, PA, RI, SC, TX, UT, VA, VT, WA, WI, WV. Within the next few weeks, we will go live with the remaining states to provide national coverage.

Currently, RiskMeter’s Flood Elevation report is the ONLY real-time report that combines FEMA Flood Zone and elevation data. By simply typing in an address, users will be able to get:

• FEMA Flood Zone
• Distance to Flood Zone
• Estimated Height Above a Flood Zone
• Estimated Base Flood Elevation (eBFE)
• Elevation at a Location
• Estimated Water Depth in a Flood Zone
• Aerial Photo (Optional)

This report will not only benefit flood insurers by giving them another tool to evaluate flood risk, but it will also help agents to sell flood insurance to people who live outside a flood zone. To get a complimentary flood elevation trial account, please contact Daniel Munson at 617.737.4444 or dmunson@cdsys.com

CDS will be attending or exhibiting at the following upcoming conferences. Whether you're a customer or prospect, we'd love to meet with you onsite at these exceptional events! Feel free to stop by our booth or if you wish to schedule an appointment, please contact Dan Munson at 617.737.4444 (dmunson@cdsys.com) or Bradley Sherwin at 617.737.4444 (bsherwin@cdsys.com)

American Agents Alliance Conference
Sept 28 - Oct 2, 2006 *Indian Wells, CA


TMPAA 6th Annual Summit
Oct 23 - Oct 25, 2006 *Tempe, AZ

In order to help you utilize the RiskMeter Online more effectively, we are now offering FREE Online training. This is a great way for your organization to have its most pressing questions answered, learn about reading various risk reports and how to utilize cutting-edge features, such as: Birdseye Geocoding, One Click Ruler and Manual Placement. To register for an upcoming Webcast, click on one of the links below or for more information, contact Charles Kane at 617.737.4444 or ckane@cdsys.com

National
Wednesday, September 27, 2006
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

National
Wednesday, October 4, 2006
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

Flood Elevation
Thursday, October 5, 2006
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

Western States
Wednesday, October 11, 2006
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

National
Wednesday, October 18, 2006
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

National
Wednesday, October 25, 2006
2:00 pm- 3:00 pm (EDT)
https://cdsys.webex.com

Would you like the opportunity to evaluate any one of our risk reports without obligation? Now you can! For a limited time you will be able to test-drive any RiskMeter Online report for FREE! Take advantage of this exceptional opportunity to see how a particular risk report can benefit your organization. To add a FREE, one-month risk report to your account, please call 617.737.4444.

Carriers

• Coastal Risk Underwriters
• Contractors Bonding & Insurance Co. (CIBC)
• Homewise Insurance Company
• Insight Catastrophe Solutions

• Britt Paulk Insurance Agency, Inc
• Seitlin Insurance Group

• Coastal Community Ins
• Davis and Garber Insurance Services, Inc.
• Fearnow
• Grover Insurance
• Lockton Cos
• Performance Insurance Services

Having a hard time managing your inbox? You can now receive the RiskMeter eNewsletter via regular mail. To get the latest issue of the RiskMeter newsletter delivered to your office (when it becomes available), please email Paul Ptashnick at: pptashnick@cdsys.com

Dan Munson, VP of Marketing & Sales
Tel: 617.737.4444
Email: dmunson@cdsys.com

Jamie Munson, Director of Consulting Services
Tel: 860.854.6125
Email: jmunson@cdsys.com

Bradley Sherwin, Sales Manager
Tel: 617.737.4444
Email: bsherwin@cdsys.com

Dave Poitras, Account Executive
Tel: 617.737.4444
Email: dpoitras@cdsys.com

Angela Sciola, Training
Tel: 617.737.4444
Email: asciola@cdsys.com

If you would like more information on any of the topics discussed in this newsletter, please contact Dan Munson, VP of Marketing & Sales at: 617.737.4444 or dmunson@cdsys.com

Please forward this free newsletter to a friend or colleague who might benefit from it. We only ask that you send the entire newsletter. Thanks!

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