аЯрЁБс>ўџ )+ўџџџ(џџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџьЅС#` №ПЭbjbjЁЁ 4УУЭ џџџџџџЄооооооођ    & ђ№Ж> T T T T / / / oqqqqqq$Іh|•о / /   •ооT T лЊП П П  оT оT oП  oП П ооП T 2 @"?:w3Ш П oР0№П Š "ŠП П ŠоЯ  / L{ 6П Б ,н $/ / / ••7 ˆ/ / / №    ђђђфжDђђђжђђђооооооџџџџ From: Insreform@aol.com [mailto:Insreform@aol.com] Sent: Thursday, November 29, 2007 7:40 PM I am not able to attend your meeting on December 1, 2007 but I am very concerned that the Rating Companies do not have knowledge or any way to check on the accuracy of the models used which give predictions of storms and damage predictions from storms resulting in probable maximum loss information.   I am the head of a grassroots citizen’s organization in MA, Citizens for Homeowners Insurance Reform,  HYPERLINK "http://www.homeownersinsurancereform.org" \o "http://www.homeownersinsurancereform.org/" www.homeownersinsurancereform.org  and I attended a hearing held in Boston this fall for the State Study Commission on Homeowners Insurance. A representative of AM Best testified before this Commission. When asked by the Attorney General if the Rating Company asked any questions or had information that the models used were correct for the geographic area, they said they do not ask questions or have information as to the accuracy of the models.   I feel that since the Rating Companies play such a huge part in determining the amount of Re-Insurance an Insurer must carry and the costs of re-insurance is passed down to the Citizens, it should be made mandatory that Rating Companies have a way to check for such accuracy, and report to some relatory group, perhaps the State Attorney Generals office.   We know that the building codes, water temperatures, wind and topographic features of our State are not reflected in the models used by RMS and AIR Worldwide. The head research scientist Mr. Muir-Wood from RMS stated last year in testimony that the buildings over the age of 1938 are not tested in their model! Much of New England is older than this date and in fact these homes were built much better than homes today! Wood was plentiful  and was full sized -a 2x10 was 2x10!   The National Association of Insurance Commissioners must look to the protection of the Citizens. This is not a coastal problem. The insurance industry nationwide is shifting risk to Citizens, States and the National Government yet keeping their outrageous rates high and making huge profits. I asked the Rating Director in Ma yesterday if the DOI looks into the surplus monies of the insurance companies before deciding on whether a rate hike is needed? The answer is no! But the language in the Fair Plan states the Commissioner must reflect the re-insurance costs and the voluntary losses. This seems one sided. Please pass this e-mail to someone who will be at the hearing Saturday. Maybe I will be able to get involved this year with your organization. Paula Aschettino Chair - Citizens for Homeowners Insurance Reform 21 Smith Lane Eastham, Ma 02642 508-240-5231 49^_В Г Ц Ч ѓ є Y Z { | ш щ ъ Т У ШЩЪ[\ЬЭёцёцоцоцоцЮцЮХЮцНВцоцНВцоцоцЋ ho`вhЃSСho`вh№zуB*phho`вB*phho`вho`в0Jjho`вho`вB*Uphh№zуB*phho`вho`вB*phho`вho`в5B*\ph_‹  щ ъ   ‚ „ acЩЪ[\mžЌОЫЭјјѓѓѓѓѓѓѓѓѓѓѓѓѓѓѓѓѓѓѓѓѓgdo`вЄ№gd№zуЭ§21h:po`вАа/ Ар=!А8"А8#8$8%ААаАа а†œ@@ёџ@ NormalCJ_HaJmH sH tH DA@ђџЁD Default Paragraph FontVi@ѓџГV  Table Normal :V і4ж4ж laі (k@єџС(No List 4U`Ђё4 o`в Hyperlink >*phџЭ џџџџ_‹щъ‚„acЩ Ъ   [ \ m ž Ќ О Ы Я ˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€˜0€€‹ъ‚„acЪ  [ m ž Ќ О Ы Я š0€€˜0€€š0€€š0€€˜0€€˜0€€˜0€€˜0€€˜0€€š0€€˜0€€š0€€š0€€˜0€€˜0€€˜0€€˜0€€˜0€€Э Э Э ѓY{Э XџŒ№8№@ёџџџ€€€ї№’№№0№( № №№B №S №ПЫџ ?№џџГdЄXЃДd\№ЉЕd яЉЖdDu"Зd№ЉŸŸУž ž Я ЅЅЮЋ Ћ Я :*€urn:schemas-microsoft-com:office:smarttags€Street€;*€urn:schemas-microsoft-com:office:smarttags€address€8*€urn:schemas-microsoft-com:office:smarttags€City€9*€urn:schemas-microsoft-com:office:smarttags€place€ xo„Я Я \ m ž Ь Я ^_ВГЦЧшщССТУu u Ш Щ   [ \ Ь Я qdхBў\БbхBў\b*^хBў\_s хBў\Зd“#хBў\ук+хBў\—s~5хBў\мejDхBў\ПDILхBў\18PхBў\f"кZхBў\хBў\ћ%P`хBў\MiхBў\Хo6jхBў\5gЉoхBў\uyЉvхBў\@yхBў\:™{хBў\"х!+ Ю]8]/=<эPGфlKЮNpQяidЕ>kХCmssjdw`w{’z‚\”xU–ц €ЋP/ОЃSСƒ=ЧŽ ЩШCагвo`вoкKqк*cм№zуЄцvvєьњ9.џџ@€ЧЧќП}EEЧЧЭ @@џџUnknownџџџџџџџџџџџџG‡z €џTimes New Roman5€Symbol3& ‡z €џArial"ёŒ№аhŒђЛІтђЛІађЛІ2œ1 œ1 М№ЅРДДr4dШ Ш  2ƒq№мIX №џ?фџџџџџџџџџџџџџџџџџџџџџo`в2џџFrom: Insreform@aol Pam Simpson Pam Simpsonўџр…ŸђљOhЋ‘+'Гй0˜˜ МШмшє ( H T ` lx€ˆфFrom: Insreform@aol Pam Simpson Normal.dot Pam Simpson2Microsoft Office Word@Ќ#ќ@~­t3Ш@ˆЌМk3Ш@є81w3Шœ1 ўџеЭеœ.“—+,љЎDеЭеœ.“—+,љЎD hp€ˆ˜  ЈАИ Р рфВЛСМбаОПЫљЙйЗНШ Ф From: Insreform@aol Titleд 8@ _PID_HLINKSфAŒQ*http://www.homeownersinsurancereform.org/ ўџџџўџџџўџџџ!"#$%&'ўџџџ§џџџ*ўџџџўџџџўџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџRoot Entryџџџџџџџџ РF0нC:w3Ш,€1TableџџџџџџџџŠWordDocumentџџџџџџџџ4SummaryInformation(џџџџDocumentSummaryInformation8џџџџџџџџџџџџ CompObjџџџџџџџџџџџџqџџџџџџџџџџџџџџџџџџџџџџџџўџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџўџ џџџџ РFMicrosoft Office Word Document MSWordDocWord.Document.8є9Вq