DEVICE OF V

DEVICE OF V

By: Insurance Services Office, Inc.

Providing Information About Property And Casualty Insurance And Underwriting Risks, Risk Assessment And Evaluation, And Risk Management, For Use By Insurance Companies In Handling Insurance Claims And Insurance Investigations, About Pending And Historical Insurance Claims, And The Adequacy Of Insurance Coverage; Providing Insurance Information Relating To Changes In Automobile Insurance Policies; Insurance Rating Services And Information Relative Thereto, Namely, Benchmarking Expected Loss For Financial Risk Assessment Purposes, And Computing And Providing Information About Computation Of Insurance Premium Information; Providing Insurance Appraisals And Evaluations, Namely, Appraisals Of Personal And Real Property Insurance Claims, And Repair Cost Appraisal; Providing Real-time Insurance Claims Processing Reports To Insurance Carriers And Restoration Contractors Via A Secure Online Website; Providing Insurance Claims Processing Featuring Automated Claims Administration Management, Tracking, And Monitoring Of All Stages Of Insurance Claims Handling; Insurance Consulting In The Nature Of Evaluating Issued Insurance Policy Information In Conjunction With Third Party Data Libraries And Proprietary Databases And Assessing Rating Factor Errors In Premium Auditing To Enhance Actuarial Analysis, And Determining For Others The Accuracy And Validity Of Insurance Policyholders Data Used For The Calculation Of Insurance Policy Premiums; Performing Insurance Premium Underwriting Services For Others For All Types Of Insurance; Providing Reports For Mortgage Originators And Lenders Containing Information In Making Decisions About Loans; Providing Insurance Information Regarding The Data Of Insurance Policy Transactions To Comply With Requirements To Notify Lien Holders, Secured Parties, Or Mortgagees Of Changes In Insurance Coverage Or Policies; Providing Information In The Field Of Insurance Claims, Namely, Assessment Of Insurance Claims, Appraisals Of Insurance Claims, And Adjustment Of Insurance Claims; Providing Information On Property Damage And Terrain, Namely, Financial Appraisal Of Damages And Information About Insurance And Financial Risks Relating To Damage To Property And Terrain, To Assist In Insurance Claims Administration And Analysis, Insurance And Financial Risk Management And Analysis, Financial Risk Assessment, Financial And Investment Analysis, And Real Estate Valuation, And Real Estate Risk Management And Analysis; Providing An Interactive Website Featuring Information And Analysis, Namely, Information In The Fields Of Insurance, Banking, And Real Estate; Providing An Interactive Website Featuring Information And Analysis, Namely, Information In The Fields Of Insurance And Financial Risk Assessment, Insurance And Financial Risk Detection, Insurance And Financial Risk Analysis, And Financial Risk Management; Obtaining And Providing Information On Facilities And Structures In The Field Of Energy, Namely, Financial Appraisal Information, To Assist In Investment Analysis, Real Estate Valuation, And Real Estate Investment And Analysis; Providing Databases And Information In The Field Of Insurance, Insurance Services, Insurance Analytics, Insurance Claims, Insurance Management And Analysis, Namely, Claims Assessment, Claims Adjustment, Actuarial Information, Insurance Underwriting Information, Insurance Claim Appraisal History And Asset Valuation Appraisal History, Insurance Coverage Verification, Financial Risk Management And Analysis, Financial Risk Analytics, Financial Risk Calculation, Financial Risk Mitigation, Financial Risk Forecasting, Financial Risk Assessment, Financial And Investment Analysis; Providing Databases And Information In The Field Of Claims Assessment, Claims Adjustment, Actuarial Information, Insurance Claim Appraisal History And Asset Valuation Appraisal History Insurance Coverage Verification, And Real Estate And Real Property Appraisals, All To Assist With Insurance Underwriting; Insurance Underwriting Information Services; Insurance Analysis Services, Namely, Assessing Insurance Claims, And Analyzing Insurance Information For Purposes Of Financial Risk Assessment; Providing Online Databases Using Predictive Modeling To Allow Insurance Carriers And Insurance Underwriters To Rate And Underwrite Insurance Policies; Providing Information And Analytics On Financial Risk Relating To Specific Geographic Regions, Weather, Climate And Environmental Events, Other Catastrophes, World Events, And Other Loss Events; Providing Insurance And Financial Risk Analysis Information And Information For Investors, Manufacturers, Insurance Carriers, Commodities Traders, Investors, And Those In The Supply Chain, In The Field Of Climate, Environment, World Events, And Disaster Risk Management; Providing Financial Risk And Investment Data Regarding Climate, Environment, World Events, And Disasters For Use In The Insurance And Financial Fields; Consulting And Advisory Services And Information In The Field Of Insurance; Providing Information And Analytics Regarding Property Locations And Characteristics, Namely, Insurance Risks Derived From Property Locations For Purposes Of Insurance And Financial Risk Assessment; Providing Insurance Ratings Information, Namely, Insurance Data Analyzing Insurance Loss History And Financial Information Used To Evaluate Insurance And Financial Risk; Consulting And Advisory Services In The Fields Of Financial Risk Assessment, Financial And Investment Analysis; Financial Consultancy And Financial Risk Management; Providing An Online Database That Contains A Glossary Of Technical Terms In The Field Of Insurance, Covering Loss, Damage Or Theft Of Heavy Construction Equipment And That Is Offered Via A Global Communications Network For Use By Insurance Companies; Banking Consultation; Bankruptcy Management, Namely, Debt Management Services And Debt Collection Consulting And Advisory Services; Providing And Analyzing Financial Data, Bankruptcy Data, And Data About Debtors; Financial Portfolio Valuation And Analysis Services; Analysis Of Credit And Financial Risk; Financial Counseling Services; Insurance Claims Administration; Insurance Brokerage Services; Services To Insurance Companies, Intermediaries And Sellers In The Nature Of Assessment And Management Of Medical Insurance Underwriting Risk, And Claims Adjustments On Insurance Products; Creation And Administration Of Trusts Providing Healthcare Benefits; Providing Information And Databases In The Fields Of Merchant Risk Assessment And Merchant Compliance With Customer, Industry And/or Regulatory Obligations, All Used To Evaluate Insurance And Financial Risk; Providing Information About Vehicle Insurance And Underwriting Risks, Risk Assessment And Evaluation, And Risk Management; Providing Information About Vehicles, Namely, Information About Damage And Repair Appraisal And Repair Cost, For Insurance And Financial Purposes; Providing Vehicle History Reports, Namely, Providing Reports About Damage And Repair Appraisal Insurance Risk Evaluation Purposes; Providing Information On And Analysis Of Fire Protection Efforts, Namely, Insurance And Financial Risk Associated With Fire Ratings Of Local Communities, To Assist In Underwriting Of Insurance And Financial Services Products; Providing Ratings Information Relating To Fire Protection Efforts, Namely, Insurance Risk Assessment Information Used To Evaluate Insurance And Financial Risk; Providing Information On And Analysis Of Wildfires And Risk Associated With Wildfires, Namely, Insurance Risk Information, And Ratings Information Relating To Wildfires, Namely, Insurance Risk Assessment Information, Used To Evaluate Risk, All Of The Foregoing Used To Evaluate Insurance And Financial Risk; Providing Information In The Field Of Insurance Claims Risk Management, Namely, Information On Weather And Natural Hazards; Insurance Risk Assessment Relating To The Effects Of Weather And Natural Hazards; Providing Insurance And Financial Risk Analysis Information Relating To Energy Service Interruption; Providing Information In The Field Of Financial Risk Analysis Associated With Energy Service Interruption Via The Internet; Providing Information In The Field Of Insurance, Namely, Risk Analysis Information On Weather And Other Perils; Providing On-line Computer Databases Featuring Risk Analysis Information About Perils In The Nature Of Financial Loss Events; Providing Information Over A Global Computer Network In The Field Of Financial Risk Analysis Information About Weather And Other Perils; Providing Insurance Underwriting And Insurance Rating Data, Namely, Insurance And Financial Risk Rating Data For Insurance Use, Via An Online Database Available On The Internet; Compilation And Analysis Of Data For Financial Purposes To Assist In Financial Risk Assessment, And Financial And Investment Analysis; Providing Insurance And Financial Risk Information, Namely, Information Related To Weather Events And Other Catastrophes In The Nature Of Information About The Effects And Potential Effects Of Such Events On Premiums, And Estimates Of Insured Loss And Actual Insured Loss Resulting From Catastrophic Events, To Assist In Insurance Claims Management And Analysis, Financial Risk Management And Analysis, Financial Risk Assessment, And Financial And Investment Analysis, And For Assessing Insurance And Financial Risk; Providing Insurance To Value Portfolio Analysis; Providing Estimates Of The Costs Of Building Repair, Namely, Repair Cost Evaluation; Compilation And Analysis Of Financial Data In The Fields Of Energy And Natural Resources, Agriculture, Mining, Transportation, Supply Chain Logistics, Engineering, Weather, Environment And Climate, Cartography, Insurance, Banking, Finance, Construction, Real Estate, Law Enforcement, Emergency Services, Government, Real Estate, And Geopolitics, All For Financial Analysis; Compiling And Analyzing Data For Financial Analysis Purposes; Compilation And Analysis Of Ratings Information, Namely, Insurance Risk Assessment In The Field Of Wildfires, Used To Evaluate Risk; Providing Risk Analysis Ratings Information, Namely, Insurance Risk Assessment, To The Insurance Industry Relating To Wildfires Used To Evaluate Risk; Providing Online Databases And Information About Energy, Namely, Insurance Risk Management And Analysis, Insurance Risk Analysis, And Energy Investment Opportunity Evaluations; Providing Consulting And Advisory Services In The Field Of Energy, Namely, Insurance Risk Management And Analysis, Insurance Risk Analysis, And Energy Investment Opportunity Evaluations; Obtaining Information, And Providing Information And Analysis, Namely, Insurance Claims Assessment Information And Analysis And Repair Cost Evaluation Information And Analysis For Building Structures, Roofs, Other Features Of Building Structures, Structural Material And Contents Of Buildings And Land And Conditions In The Nature Of Damage And Need For Repair Or Replacement, To Assist In Insurance Claims Management And Analysis; Providing Electronic Notifications With Information On Bankruptcy Matters, Namely, Provision Of Financial Notifications In The Field Of Bankruptcy Via Email Alerts; Consulting And Services Related Thereto In The Nature Of Consultation In The Fields Of Insurance And Real Estate; Providing Online Websites And Information In The Field Of Insurance, Namely, Insurance And Financial Risk Management And Analysis, Insurance And Financial Risk Analytics, Insurance And Financial Risk Calculation, Insurance And Financial Risk Mitigation, Insurance And Financial Risk Forecasting, Insurance And Financial Risk Assessment And Insurance And Financial And Investment Analysis; Providing On-line Information In The Field Of Property And Casualty Insurance Loss, Namely, Claims Auditing; Providing On-line Information In The Field Of Real Estate Appraisal And Valuation For Use As An Automated Valuation Model For Real Estate Property Assessment And Creation Of Real Property Valuation Reports For Others; Providing On-line Information In The Field Of Claims Administration For Managing Workers Compensation Claims; Providing On-line Information, Namely, Providing Online Financial Calculators For Use In Executing Residential Insurance And Valuation Calculations; Providing On-line Information In The Field Of Personal And Real Estate Appraisals And Repair Cost Evaluation To Receive, Track, Document And Manage Insurance Claims, Property Valuations, Repair Estimates And Property Replacement Costs; Providing On-line Information In The Fields Of Insurance, Insurance Claims Processing And Administration Used In Insurance Claims Handling And That Allows For Collaboration Among Insurance Underwriters, Insurance Claims Personnel And Insurance Policyholders; Providing On-line Information In The Field Of Repair Cost Evaluation For Cost Estimating In The Building, Construction, Repair, Restoration, Maintenance And Remodeling Industries; Providing On-line Information In The Field Of Insurance Claims Assessment; Providing Information About Insurance And Prospective Insureds And Reports Relating To Insurance, Namely, Information About Insurance Claims Assessment, Claims Adjustment, Actuarial Information, Insurance Underwriting Information, Insurance Claims History Information, Asset Valuation And History, And Insurance Coverage Verification; Providing Estimates Of The Costs Of Building Repair, Restoration, And Reconstruction, Namely, Providing Replacement Cost Valuation; Consulting Services In The Field Of Energy, Namely, Consulting About Energy Investment Opportunity Evaluations; Providing Online Databases, Information And Analysis In The Field Of Energy, Namely, Insurance Risk Analysis And Energy Investment Opportunity Evaluations, All The Aforesaid Services Relating To The Energy, Chemicals, Metals, Mining And Commodities Industries; Providing Information And Online Databases In The Field Of Insurance, Namely, Insurance Risk Assessment And Insurance Claims Appraisals For Real Property; Providing On-line Information In The Field Of Replacement Cost Valuation For Cost Estimating And Other Assessments In The Building, Construction, Repair, Restoration, Maintenance And Remodeling Industries; Providing An Interactive Website Featuring Information About Natural Resources Investment Opportunities; Providing Information About Insurance And Potential Insured, Namely, Assessment Of Insurance Claims; Providing Information And Analytics In The Field Of Cyber Insurance And Cybersecurity Risks; Consulting And Advisory Services In The Field Of Cyber Insurance And Cybersecurity Risks; Providing Information And Analytics About Health Data To Assist In Life Insurance Underwriting, Life Insurance And Pension Analytics, Insurance Claim Insights, Insurance Compliance And Fraud Detection, And Actuarial And Portfolio Modeling; Providing Information And Analytics On Consumer Spending; Providing Information And Analytics About Consumer Behavior And Consumer Response To Marketing, Products And Services; Providing Information And Analytics About Market Conditions; Insurance Consulting Services In The Field Of Workers' Compensation, Liability And No-fault Insurance, Medicare Set Asides, Medicare Insurance Reporting, Conditional Payment Management, Medicare And Insurance Compliance Audits, And Medicaid Compliance; Insurance Rating Services Using Credit Data; Providing Information About Market Pricing For Electric Power, Namely, Financial Forecasting Of Market Pricing For Electric Power, Via A Global Computer Network Or Electronic Mail Delivery; Providing Information In The Nature Of Insurance Statistics Related To Motor Vehicles For Determining Insurance Premiums And For Other Insurance Rating Purposes; Insurance Underwriting And Administration Services, Namely, Analysis Of Statistics And Data Concerning Risks To Assist With Premium Underwriting And Pricing; Providing Insurance Information And Analytics Relating To Vehicles, Performance Of Vehicles And Vehicle Operators, Location Of Vehicles, And Frequency Of Vehicle Use; Providing Information And Analytics Regarding Insureds And Potential Insureds For Purposes Of Insurance And Risk Assessment; Predictive Modeling Services In The Field Of Insurance; Providing Analytics In The Field Of Insurance, Namely, Analysis Of Financial Risk Used To Make Decisions About Insurance Underwriting And Insurance Claims; Providing Information, Namely, Financial Appraisal Information For Energy Facilities And Processing Equipment For The Energy Industry To Assist In Insurance Underwriting And The Analysis Of Insurance Risk; Providing On-line Databases In The Field Of Insurance, For Insurance Risk Assessment; Providing Information On Aerial, Terrestrial, And Satellite Imagery, Photographic Data, And Geospatial Data, For Insurance Risk Assessment; Providing Insurance And Financial Assessments Of Loss And Potential Loss Resulting From Catastrophes, To Assist In Insurance Claims Management And Analysis, Insurance Risk Management And Analysis, Financial Risk Assessment, And Financial And Investment Analysis; Providing An Interactive Website Featuring Information About Insurance And Financial Risk For The Insurance, Energy, Power, Petrochemicals, Metals, Chemicals, And Mining Industries; Providing Information, Namely, Appraisal Information For Insurance Claims And Insurance Underwriting, To Assist In Insurance Underwriting And The Analysis Of Insurance Risk; Technical Data Analysis, Namely, Statistical Data Analysis Of The Financial Impacts Of Weather And Catastrophic Events, All For Use In The Fields Of Insurance, Energy, Power, Petrochemicals, Metals, Chemicals, And Mining; Providing Information And Analytics Relating To Insuring Home Health Care Providers; Providing Information And Databases With Information In The Field Of Insurance For Analysis Of Insurance Risk, Insurance Underwriting, Insurance Coverage, Property Valuation, For Estimation Of Replacement, Restoration And Repair Costs Of Property And Structures, For Insurance Quotes, For Evaluation Of Insurance Policy Information, And For Evaluation Of Insurance Claims; Providing Information And Databases With Information About Real Property, Personal Property, And Owners And Occupants Of Real Property, In The Field Of Insurance; Data Verification And Validation Services Provided To Insurance Companies, Namely, Providing Data To Verify The Accuracy And Status Of Information About Real Property, Personal Property, Owners And Occupants Of Real Property, And Insureds; Providing Information To Assist Insurers With Regulatory Compliance Requirements; Providing Insurance Information Regarding Industry-specific Applications Of Blockchain Technology For The Risk Management Industry And The Property And Casualty Insurance Industries; Providing Information Regarding Industry-specific Applications Of Blockchain Technology.