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Wind Pool and Windstorm Database

Only MSB enables you to identify properties in windpool zones in a way that fits seamlessly into your existing underwriting and re-underwriting workflows.

Windpool Zones

Eight states - Alabama, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina and Texas - have designated windpool zones: coastal areas at high risk for wind damage. Those states have created shared-risk insurance pools available for property owners. Additionally, these states offer credits and incentives for private insurers that voluntarily write coverage on properties in these zones. MSB’s Windpool service consistently and quickly identifies addresses within the windpool boundaries.

Automated Efficiency

MSB’s Windpool Database enables you to replace tedious manual processes, map reviews and subjective interpretations with automated efficiency. MSB easily identifies each property’s inclusion in windpool zones by converting each address (via Geographical Information System technology) into exact latitude and longitude coordinates.

Additionally, MSB supports seamless integration of the Windpool Database into your existing workflows. MSB supports integration through the industry-leading Residential Component Technology® (RCT) property valuation system, hosted on the MSB Express™Web platform, or via XML-based Web services that interface with your existing administrative systems.

This workflow integration enables you to automate windpool identification into your point of sale or underwriting workflow with ease. MSB adds windpool data to the master policy record on the MSB Express platform and permanently archives it to each specific risk location. MSB also includes all of your other physical hazard and insuring-to-value datasets related to each specific risk location in your master policy record. MSB supports batch windpool analysis for an existing book of business, providing the results in XML format and enabling you to perform ongoing book management efficiently. 

Integrating Windpool Data with Decisioning Technology

MSB’s windpool data expertise includes the ability to link to a complete underwriting decisioning, or rules engine, technology from MSB and its sister company MindBox®. The MSB Express platform gives customers immediate access to windpool analysis and is your link to the nation’s most complete, and user-friendly, decisioning technology. With MSB Decisioning, you are able to go beyond underwriting guidelines to tier pricing and other rating variables that make windpool hazard information more than just a “go/no-go” decision. You will realize a more responsive and flexible underwriting process and greater underwriting consistency. This same competitive underwriting advantage is yours with every type of physical hazard data available from MSB.