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Standard Premium held its annual shareholders meeting on June 12, 2026, in Miami, FL. The meeting featured a comprehensive update on financial results and strategic growth initiatives, including a financial presentation now available to shareholders. In addition to the shareholders meeting, we also completed our successful board-authorized stock buyback program. Over the course of the program, we repurchased 77,750 shares at an average price of $2.24 per share. What Was Discussed at the Shareholders Meeting? At the annual meeting, management presented strong financial highlights reflecting continued business momentum, including $158.1 million in loan originations in FY 2025, followed by $44.8 million in Q1 2026 alone. Our receivables portfolio balance reached $79.2 million net of CECL allowances and deferred interest, representing approximately 9% growth over just three months. For the first time in our company’s history, net incomes exceeded $1,000,000, with diluted earnings per share of $0.29 in FY 2025, compared to $0.24 in FY 2024. In addition, active state licenses expanded from 9 states in 2021 to 44 states, underscoring our rapid nationwide expansion. At the meeting, shareholders voted with a turnout of 64.91% of total shares represented. All three director nominees, William Koppelmann, Mark Kutner, MD and Scott Howell, MD, were elected with 100% of votes cast. Shareholders also approved, on an advisory basis, the Company’s executive compensation and voted in favor of a triennial frequency for future advisory compensation votes. A Successful Stock Buyback The stock buyback program began in December 2025, and we repurchased approximately 2.5% of outstanding shares, completed on both the open market and through private transactions. The completion of the stock buyback program follows our 2026 Annual Shareholders Meeting, and builds on the momentum demonstrated at that meeting, reinforcing the Board's confidence in our financial strength and long-term growth trajectory. By returning capital to shareholders while continuing to invest in expansion, we remain focused on capital allocation that supports both near-term shareholder value and our broader strategic goals. Insights from Standard Premium CEO Bill Koppelmann After the meeting and successful stock buyback our CEO Bill had this to say: “This year’s shareholder meeting reflects the extraordinary progress Standard Premium has achieved in a short period of time. We surpassed $1 million in net income for the first time in our history, and we continue to expand our licensing footprint and are now licensed in 44 states. Our credit facility was strengthened with a consortium of three banks, and we have built a platform designed to scale. We remain committed to delivering long-term value for our shareholders as we pursue the final leg of our 50-state licensing strategy and evaluate strategic opportunities. Furthermore, completing our stock buyback initiative also reflects our confidence in creating long-term value for shareholders as we continue to scale our business and invest in sustainable growth opportunities. This disciplined approach to capital allocation reinforces our belief that our stock remains an attractive investment as we reinvest capital back into the business.” Looking Ahead Following the milestones highlighted, Standard Premium will continue to evaluate its capital allocation strategy and may consider an additional repurchase program in 2027, as part of its ongoing commitment to delivering long-term shareholder value. We remain focused on building on our record performance, advancing growth initiatives and maintaining an approach that supports continued success. As we continue our national expansion we welcome the opportunity for you to connect with our team to discuss our finance solutions or partnership opportunities. Contact us today to learn more!

Members of the Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) leadership team recently attended the 2026 North American Insurance Conference, held at Moody’s New York City office. Bringing together hundreds of decision makers and subject matter experts to dissect insights around the complexities, opportunities and risks across property, casualty, life and specialty insurance, this event was a reminder of just how much weight this name carries across the financial world. As one of the "Big Three" credit rating agencies, Moody's evaluations shape borrowing costs and signal financial health for corporations and governments alike, and that influence runs straight through to companies like ours. Our business depends on access to capital at favorable rates, and those rates are downstream of the same credit signals Moody's produces. A rating shift, whether to "AAA" or "Ba1," can move interest rates, shake investor confidence, and ripple through the insurance carriers and agents we work with every day, which makes Moody's assessments far more than an abstract industry benchmark for us. As a leading specialty finance company that provides collateralized loans to businesses and individuals nationwide to finance their commercial property and casualty insurance premiums, we regard this conference as a must-attend event. Valuable Insights We gathered valuable information which can be applied to a multitude of business sectors. Several key topics permeated the discussions: AI, macroeconomic destabilizers, and catastrophe risk. SPFX sits downstream of nearly every theme that was discussed: premium finance volume is a function of premium levels; carrier financial stability and health determines whether monies paid for future coverage can be recovered (e.g., as a refund or tax asset) if a policy gets canceled and the funding stack reprices with the Federal Reserve (Fed). This means that the cost of a company's borrowed money—specifically variable-rate loans, credit facilities or short-term debt—automatically adjusts upward or downward whenever the Fed changes its benchmark interest rate. Five Themes Highlighted During Conference Session Throughout the event, discussions kept circling back to a handful of forces reshaping how our team approaches the marketplace. Here's a closer look at what they could mean regarding real uncertainty regarding talent, cyber exposure, rates, climate-driven risk and where capital should flow next. For Standard Premium Finance, the throughline is clear: discipline around documentation, diversified funding, and a sharp eye on macro conditions remain as important as ever heading into the back half of 2026. 1. AI Is Reshaping the Operating Model, Not Just the Task List Across nearly every session, one idea kept resurfacing: the real payoff from artificial intelligence (AI) doesn't come from layering it on top of existing processes. Rather, it comes from rethinking how the work initially gets done. Presenters were candid that this shift isn't without friction: As entry-level tasks get automated, how does the next generation of underwriters, analysts, and adjusters get trained if the on-ramp jobs disappear? There's also a quieter concern about morale as AI absorbs the routine work, leaving the people left behind to inherit a steady stream of only the hardest, most draining problems. For now, insurance regulators haven't cleared AI to make final decisions on its own, so the most nuanced, judgment-heavy calls still rest with human underwriters. To frame what's coming next, presenters sketched three possible paths for how AI capability might evolve, based on their May 2026 analysis. A "core" scenario, given roughly 70% odds, assumes steady progress where the biggest winners are organizations willing to redesign workflows around the technology rather than simply bolting it on. A "human-level" scenario, assigned about 20% probability, has AI performance reaching something like a competent mid-level employee, good for productivity, but also a setup for tighter margins and pricing pressure that could squeeze weaker competitors. A long-shot Artificial General Intelligence (AGI) or human-like AI scenario, pegged at around 10%, has machine intelligence matching or exceeding human capability across virtually any task. This is a development that would ripple through every sector of the economy and upend competitive dynamics as we know them. 2. Cyber Risk Tops the List of Existential Threats If one risk dominated the room as the most dangerous, it was cyber. That’s not because of what's already happened, but because of what hasn't yet. Premiums remain relatively soft even as AI gives bad actors sharper tools, a combination several speakers compared to a hidden structural flaw quietly building toward failure, not unlike how undetected construction defects can eventually trigger a major claim. The prescription was consistent: operate as if no system or user can be implicitly trusted, and push cybersecurity oversight further up the chain to the audit committee rather than leaving it siloed in IT. 3. A Fragile Macro Backdrop and Rates That Aren't Coming Down Soon Economic forecasts shared at the event painted a picture of modest, below-trend growth, with— GDP expansion in the neighborhood of 2% over the next six to eighteen months. Unemployment looks stable on the surface, but that's partly an illusion created by fewer people participating in the labor force at all. Layer on deglobalization, tariffs, shifting visa policy, and the fallout from the Iran conflict, and those headwinds largely cancel out whatever lift AI investment and equity market wealth are providing. Interesting to note that oil prices appear to have already peaked from the conflict, climbing from roughly $65 before the fighting started to north of $100 at the height of it, before settling back toward a $75–$80 range as things stabilize. As a policy forecast: Don't expect rate cuts. If anything, risk tilts toward one or two additional quarter-point hikes, signifying a real pivot from where consensus stood just months ago, when most expected the Fed to start easing in support of growth. Higher-for-longer rates carry obvious fall-out and not just for mortgages and auto loans. The cost of borrowing touch every line of business, including how receivables get funded and priced. 4. Catastrophe Risk Has Become an Exposure Problem, Not Just a Hazard Problem Wildfires and severe convective storms no longer fit comfortably in the "secondary peril" bucket. Roughly $100 billion in wildfire losses have accumulated over the past decade from just about 40 events, and the underlying driver isn't necessarily that nature has gotten more perilous, it's that people and property keep moving into harm's way. Replacement costs have climbed sharply, and swings between extreme wet and dry conditions keep fueling vegetation growth one season and drying it into kindling the next. The downstream effect is a homeowners' insurance market under real strain on both affordability and availability, with California's decision to allow catastrophe models into its rate-setting process, effective January 2025, standing out as a meaningful regulatory turning point. 5. Private Credit and the Ongoing Hunt for Yield Private credit kept emerging as both an opportunity and a question mark. There's still no consistent regulatory definition for what counts as "private credit," even as life insurers now hold roughly 32% of their investment portfolios in the category. That ambiguity is worth retaining since it's precisely the backdrop against which premium finance receivables look attractive: a well-understood, short-duration asset class that plays a real role in funding diversification, and one that increasingly shows up as a key valuation metric — net loan portfolio — when acquirers evaluate roll-up targets in our space. Separately, the topic of AI data centers surfaced as a “hot but uncertain” investment theme, with most of the caution centered on tenant quality and what happens to value once a lease term ends. A more structural risk also drew attention: "documentation slippage," where incomplete, inaccurate, or simply missing loan paperwork erodes legal enforceability over time, turning what looks like a clean asset today into a much harder collection problem down the road.

En el financiamiento de primas, las primeras señales del mercado rara vez llegan en forma de informes formales. Con mayor frecuencia, aparecen en conversaciones con agentes que escuchan, en tiempo real, lo que los asegurados pueden absorber, lo que las aseguradoras están exigiendo, hacia dónde se están moviendo las primas y cómo las empresas intentan preservar capital de trabajo mientras mantienen la cobertura necesaria. Esa es solo una de las razones por las que Standard Premium valora su participación en la Asociación Latinoamericana de Agencias de Seguros (LAAIA) y se enorgullece de patrocinar la Convención Anual de la organización este julio. Para Standard Premium, apoyar a LAAIA significa mucho más que tener visibilidad en un evento del sector. Nos acerca a los agentes, corredores, aseguradoras, mayoristas, MGAs y otros socios que impulsan día a día el mercado de seguros de daños. Nuestro equipo ha sido testigo del crecimiento de LAAIA, fundada en 1969 como “La Voz de los Agentes de Seguros Independientes”. Ha sido gratificante ver cómo la organización ha consolidado una posición relevante dentro de la comunidad de seguros independientes. Valoramos nuestra interacción con sus miembros, que representan más de $1,000 millones en primas, y reconocemos la labor de la asociación en materia de educación continua, incidencia legislativa, representación en consejos asesores nacionales, eventos mensuales de relacionamiento, vinculación con la comunidad y su convención anual de seguros y feria comercial. Una vínculo directo con el mercado de agencias Los agentes independientes ocupan una posición práctica y, a menudo, exigente dentro del sistema de distribución de seguros. Están cerca del asegurado, cerca de la conversación de renovación y cerca de las presiones que surgen cuando los niveles de las primas aumentan, el apetito de las aseguradoras cambia o los requisitos de cobertura se vuelven más difíciles de manejar. Esa proximidad importa. Les brinda a los agentes una visión del mercado que es inmediata, detallada y altamente relevante para compañías como Standard Premium. A través de organizaciones como LAAIA, esas observaciones individuales del mercado se convierten en parte de una conversación más amplia dentro del sector. Los agentes pueden intercambiar información, conocer las perspectivas de las aseguradoras, participar en programas de capacitación, mantenerse atentos a los desarrollos legislativos y relacionarse con proveedores de servicios que les ayuden a ofrecer soluciones más completas a sus clientes. No debe subestimarse la importancia de este tipo de foro. Un canal sólido de agencias independientes depende de profesionales informados, socios receptivos y comunicación continua en todo el ecosistema de seguros. Por qué estas conversaciones son importantes hoy El mercado de seguros continúa ejerciendo más presión tanto sobre los agentes como sobre los asegurados. El costo de las primas, la exposición a catástrofes, los valores de reemplazo, las condiciones de reaseguro, la disciplina de suscripción, los desarrollos regulatorios y la incertidumbre económica más amplia están influyendo en las decisiones de los clientes. Para muchas empresas, la pregunta no es si el seguro es necesario, sino cómo asumir el pago de la prima sin limitar innecesariamente el flujo de efectivo. Ahí es donde el financiamiento de primas pasa a formar parte de una conversación más amplia sobre el servicio al cliente. Una prima considerable de propiedad y accidentes puede ejercer presión inmediata sobre el capital de trabajo, especialmente para empresas que también administran nómina, inventario, equipos, expansión, fluctuaciones estacionales de ingresos u otras exigencias operativas. El financiamiento de primas les brinda a los asegurados una forma de asegurar la cobertura mientras convierten un gran pago inicial en una estructura de financiamiento más manejable. Para agentes y corredores, esa opción puede ser significativa. Les ayuda a incorporar una herramienta financiera práctica en la conversación justo cuando los clientes están evaluando costo, tiempo y necesidades de cobertura en conjunto. Dónde encaja Standard Premium Standard Premium ofrece soluciones de financiamiento de primas para empresas e individuos que buscan financiar primas de seguros comerciales de daños. El modelo de Standard Premium siempre ha dependido del servicio, la ejecución, la disciplina documental, la tecnología y una comprensión del ritmo al que se mueven las transacciones de seguros. Nuestra plataforma en línea está diseñada para ayudar a agentes y clientes a administrar cuentas de manera eficiente, desde la cotización hasta el financiamiento, mientras nuestro equipo permanece accesible cuando la capacidad de respuesta y el conocimiento de la industria son importantes. Esa combinación de tecnología y servicio directo es fundamental para la forma en que Standard Premium apoya a agentes, corredores y asegurados. Con más de tres décadas en el espacio del financiamiento de primas de seguros, este enfoque continúa reflejando el principio guía de Presencia Local, Poder Nacional. Ese principio es especialmente relevante en el entorno de LAAIA. La asociación representa un segmento concentrado y altamente activo de la comunidad de agencias independientes, con profundas raíces en el sur de Florida y un alcance que refleja la importancia más amplia de la distribución independiente en toda la industria de seguros. Continuar la conversación en LAAIA Standard Premium se enorgullece de apoyar la Convención Anual de LAAIA y a los profesionales que continúan fortaleciendo el canal de agencias independientes a través de la educación, la representación, las relaciones y el liderazgo de mercado. En un mercado donde las primas, el capital, el riesgo y las expectativas de los clientes están cambiando simultáneamente, mantenerse cerca del canal de agencias no es opcional. Es parte de hacer bien este negocio. Sí asistirá a la Convención Anual de LAAIA este julio, será un gusto tener la oportunidad de conectar y conversar sobre cómo Standard Premium puede ayudar a fortalecer sus capacidades de financiamiento de primas y apoyar a los clientes que confían en usted.

In premium finance, the earliest market signals rarely arrive as formal reports. More often, they show up in conversations with agents who are hearing, in real time, what insureds can absorb, what carriers are requiring, where premiums are moving and how businesses are trying to preserve working capital while maintaining necessary coverage. That is just one reason Standard Premium values its involvement with the Latin American Association of Insurance Agencies (LAAIA) and is proud to sponsor the organization’s Annual Convention this July. For Standard Premium, supporting LAAIA is far more than visibility at an industry event. It places us closer to the agents, brokers, carriers, wholesalers, MGAs and other partners who help move the property and casualty marketplace every day. Our team has witnessed the growth of the LAAIA, which was founded in 1969 as “The Voice of Independent Insurance Agents.” It has been gratifying to see the organization build a significant position within the independent insurance community. We value our interaction with Its members that represent more than $1 billion in premiums and compliment the association’s work that extends across continuing education, legislative advocacy, national advisory council representation, monthly networking events, community outreach and its annual insurance convention and trade fair. A Direct Line into the Agency Marketplace Independent agents occupy a practical and often demanding position in the insurance distribution system. They are close to the insured, close to the renewal conversation and close to the pressures that develop when premium levels rise, carrier appetite changes or coverage requirements become more difficult to navigate. That proximity matters. It gives agents a view of the marketplace that is immediate, detailed and highly relevant to companies like Standard Premium. Through organizations like LAAIA, those individual market observations become part of a broader industry conversation. Agents are able to exchange information, hear from carriers, participate in educational programming, stay alert to legislative developments and connect with service providers that can help them deliver more complete solutions to their clients. The significance of that kind of forum should not be underestimated. A strong independent agency channel depends on informed professionals, responsive partners and ongoing communication across the full insurance ecosystem. Why These Conversations Matter Now The insurance market continues to place more pressure on agents and insureds alike. Premium costs, catastrophe exposure, replacement values, reinsurance conditions, underwriting discipline, regulatory developments and broader economic uncertainty are all shaping client decisions. For many businesses, the issue is not whether insurance is necessary but how to manage the premium obligation without unnecessarily constraining cash flow. That is where premium finance becomes part of the larger client service conversation. A sizable property and casualty premium can place immediate pressure on working capital, especially for businesses that are also managing payroll, inventory, equipment, expansion, seasonal revenue fluctuations or other operating demands. Premium financing gives insureds a way to secure coverage while converting a large upfront payment into a more manageable financing structure. For agents and brokers, that option can be meaningful. It helps them bring a practical financial tool into the discussion at the moment clients are weighing cost, timing and coverage needs together. Where Standard Premium Fits Standard Premium provides premium financing solutions for businesses and individuals seeking to finance commercial property and casualty insurance premiums. Standard Premium’s model has always depended on service, execution, documentation discipline, technology and an understanding of the pace at which insurance transactions move. The online platform is designed to help agents and clients manage accounts efficiently from quote to funding, while our team remains accessible when responsiveness and industry knowledge matter. That combination of technology and direct service is central to how Standard Premium supports agents, brokers and insureds. With more than three decades in the insurance premium finance space, this approach continues to reflect the guiding principle of Local Presence, National Power. That principle is especially relevant in the LAAIA environment. The association represents a concentrated and highly active segment of the independent agency community, with deep roots in South Florida and a reach that reflects the broader importance of independent distribution across the insurance industry. Continuing the Conversation at LAAIA Standard Premium is proud to support LAAIA’s Annual Convention and the professionals who continue to strengthen the independent agency channel through education, advocacy, relationships and market leadership. In a marketplace where premiums, capital, risk and client expectations are all moving at once, proximity to the agency channel is not optional. It is part of doing this business well. If you are attending LAAIA’s Annual Convention this July, we welcome the opportunity to connect and discuss how Standard Premium can help strengthen your premium financing capabilities and support the clients who rely on you.

Celebrating a milestone partnership at TWFG's record-breaking 25th Anniversary event June 11–12, 2026 750+Attendees — largest ever 90+Carrier & sponsor partners 25Years of TWFG This month, Standard Premium Finance had the privilege of joining TWFG at their 25th Anniversary National Agent Convention. Held at the Woodlands Waterway Marriott in The Woodlands, Texas, the event shattered attendance records and brought together more than 750 agents, carriers, and financial and technology partners under one roof for two days of collaboration, education and celebration. For Standard Premium, this was far more than a convention, giving us an opportunity to strengthen relationships with existing TWFG agent partners and to introduce our premium finance solutions to a community that embodies the same entrepreneurial spirit we've championed for over three decades. A landmark event for an industry leader TWFG was founded in 2001 with just $10,000 in capital and has grown into one of the leading independent insurance distribution platforms in the country. Their 25th anniversary was a fitting backdrop for a convention that, by every measure, set a new high-water mark. The program featured educational sessions, technology showcases, carrier and market insights and peer collaboration. This robust event was expertly designed to equip independent agents with the tools to navigate an evolving insurance landscape. A signature highlight was the annual induction of top-performing agencies into TWFG's three achievement clubs — the Chairman's Circle, President's Club, and Million Dollar Club — recognizing excellence across the TWFG network. Haleigh Nalley, Regional Sales Manager, Standard Premium Finance, recounts, "We had a great convention. The agents and TWFG staff were extremely welcoming, and the feedback we received was very positive. We look forward to continuing to strengthen our partnership and grow alongside the TWFG agencies. Many of our current TWFG agents complimented the ease of use of our system and the quality of our customer service, which was wonderful to hear." What sets Standard Premium apart Hearing directly from agents about what matters to them, including ease of use, speed and reliable customer service, reinforces what we've built over more than 34 years in the insurance premium finance space. Our state-of-the-art online platform allows agents and their clients to manage accounts seamlessly, from quote to funding, with minimal friction. Our team is reachable when it counts, and our regional presence means agents always have knowledgeable contact close to home. With over $1.8 billion in property and casualty loans delivered and licenses in more than 40 states, Standard Premium continues to live by our guiding principle: Local Presence, National Power. Looking ahead “The energy at this year's convention made one thing clear: the independent agency channel is thriving, and TWFG's network is at the forefront of that momentum,” continues Nalley. “Standard Premium is proud to be a partner in that growth. We're grateful to every TWFG agent who stopped by to connect, share feedback, and explore how premium financing can work harder for their clients.” We look forward to continuing the conversations with agents who attended the TWFG National Agent Convention and we welcome the opportunity to connect if you are looking to enhance your premium financing capabilities. If you're a TWFG agent and didn't get a chance to connect with the Standard Premium team at the convention, please contact us to explore a partnership. Visit www.standardpremium.com .

May 26, 2026

With some of the largest companies, including Citadel and Palantir , continuing to expand into South Florida, Miami is establishing itself as one of the fastest growing technology and finance hubs in the nation, creating a new wave of economic growth throughout Florida. However, this industry expansion is also increasing the expense of doing business. The rise in commercial property values, higher operating costs and continued pressure on the insurance marketplace, creates new financial hurdles for businesses trying to grow alongside Miami's evolving economy. Mitigating the economic boom , a local specialty finance company, Standard Premium , delivers flexible premium financing solutions that preserve working capital and support operational stability as companies adapt to this dynamic market. The Drive Behind Miami's Technology Transformation Miami has transitioned from its long-standing reputation as a destination for nightlife and tourism into a growing center for technology, finance and business development. Florida's attractive business environment, availability of capital resources and lower tax rates for businesses and individuals have enticed businesses and entrepreneurs away from states like California and New York. This influx mirrors the broader wealth movement that is reshaping Florida's economic status, as growth across artificial intelligence, fintech, venture capital and digital infrastructure sectors expands. With more firms establishing a presence in South Florida, the demand for commercial real estate, labor and business services continue to increase throughout the region. With Growth Comes Cost Along with expansive growth, costs inevitably increase. As businesses compete for talent entering the region, the labor costs rise, property values go up and construction costs climb. These increasing expenditures further raise insurance exposure across commercial markets. In Florida, businesses are already operating in a challenging insurance environment shaped by inflation, replacement costs and climate-related risk. Simply based on geography alone, coastal regions, like Miami, remain especially vulnerable to hurricanes and severe weather events that place continued pressure on the property and casualty insurance marketplace. For many businesses, insurance premiums are becoming a larger and less predictable operational expense, requiring new approaches to financial planning and cash flow management. Standard Premium's Approach Standard Premium addresses the challenge of preserving needed working capital by transforming insurance premiums from cash flow obstacles into manageable financial tools. In Miami's fast-paced business environment, where companies must respond quickly to market opportunities and unexpected costs, our premium financing solutions provide the financial agility that traditional annual premium payments simply cannot offer. Rather than tying up significant capital in upfront insurance costs, businesses can deploy those resources toward talent acquisition, technology investments or market expansion: the very activities driving Miami's economic transformation. Standard Premium’s approach proves advantageous for companies experiencing the insurance premium volatility that has become characteristic of Florida's market. Next on the Horizon Miami’s rise as a technology and finance hub shows no sign of slowing down and is expected to remain a key driver of economic growth throughout South Florida. However, as business migration develops, investment activity will prompt ongoing demand for innovative financial solutions. Companies will need financial solutions that support stability and flexibility in this increasingly complex marketplace. Standard Premium is dedicated to helping businesses navigate this changing environment through solutions made to support growth while protecting financial flexibility. Contact Standard Premium today to learn how our premium financing service solutions support your financial flexibility in the expanding environment.

May 5, 2026

April 27, 2026

Natural disasters continue to impact the U.S. at an alarming rate. Between 2020 and 2024, the country experienced 115 weather and climate related disasters with losses exceeding $1 billion in damage, contributing to an estimated $2.915 trillion in total losses. That period averaged 23 major disasters annually, with 2024 alone accounting for 27 billion-dollar disasters. Recognizing the growing severity of this issue, William (Bill) Koppelmann, CEO, Standard Premium, became a well-established thought leader on this topic in the specialty finance and premium insurance industry. Throughout 2025, Bill advocated for expansion of federal disaster insurance coverage to include wind and fire damage. Gaining traction for his advocacy efforts, Bill has been named a finalist in the Thought Leadership category for the 2026 PropertyCasualty360 Insurance Luminaries Award further solidifying himself as an expert on the subject of expanding federal disaster insurance.

April 6, 2026