Windstorm Insurance Network Inc

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1999

Legal Domicile

Principal Officer

David Cowheard

Phone

2026596622

Tax Period

2023-07-01 to 2024-06-30

Windstorm Insurance Network Inc, founded in 1999, is a community nonprofit in the Community Improvement sector that reported $1.1M in total revenue in fiscal year 2023. Expenses of $1.1M left a modest 4% surplus.

Mission

To provide a forum for insurance agents and adjustors to discuss windstorm insurance issues. To offer insight and education to individuals and groups employed or otherwise involved in all aspects of property insurance claims.

Program Service Accomplishments

Program 1

Expenses: $907,153 Revenue: $938,735

WIND's annual conference brings together over 1,100 industry professionals for educational programming, certification workshops, and networking.

Program 2

Expenses: $6,681 Revenue: $41,275

WIND's Certified Appraiser Program enhances the professionalism and ethics of property insurance appraisers. To earn the certification, property insurance claims professionals complete the four-hour WIND Certified Appraiser program taught at the Windstorm Insurance Conference, and meet the guidelines and criteria to be officially recognized as a WIND Certified Appraiser.

Program 3

Expenses: $7,617 Revenue: $3,250

WIND's Umpire Certification Program is a curriculum devoted to trainingprofessionals who serve as umpires in property insurance appraisals. To earn the certification, property insurance claims...

WIND's Umpire Certification Program is a curriculum devoted to trainingprofessionals who serve as umpires in property insurance appraisals. To earn the certification, property insurance claims professionals complete the four-hour WIND Certified Umpire program taught at the Windstorm Insurance Conference,and meet the guidelines and criteria to be offically recognized as a WIND Certified Umpire.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $100,350

Program Service Revenue $980,010

Investment Income $24,516

Other Revenue $8,771

TOTAL REVENUE $1,113,647

Expense Breakdown

Grants Paid $75,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $921,451

Other Expenses $995,743

TOTAL EXPENSES $1,070,743

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,113,647	$1,156,275	0.0%
Expenses	$1,070,743	$999,634	+0.1%
Net Income	$42,904	$156,641	-0.7%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Wayne D Taylor	President	2.00	Officer Director	$0	$0	$0
Gina Clausen Lozier	President-Elect	2.00	Officer Director	$0	$0	$0
Lori Flenniken	Vice President	2.00	Officer Director	$0	$0	$0
David Cowheard	Treasurer	2.00	Officer Director	$0	$0	$0
Justin Whedbee	Secretary	2.00	Officer Director	$0	$0	$0
Charles A Baker Jr	Immediate Past President	1.00	Officer Director	$0	$0	$0
Alexandra Bowen	Board Member	1.00	Director	$0	$0	$0
Michael Capilli	Board Member	1.00	Director	$0	$0	$0
Joseph Connelly	Board Member	1.00	Director	$0	$0	$0
Adam Frank	Board Member	1.00	Director	$0	$0	$0
Joe Graham	Board Member	1.00	Director	$0	$0	$0
Jeremiah Kiefer	Board Member	1.00	Director	$0	$0	$0
Craig Kobel	Board Member	1.00	Director	$0	$0	$0
Keir Lee	Board Member	1.00	Director	$0	$0	$0
John Minor	Board Member	1.00	Director	$0	$0	$0
David Murray	Board Member	1.00	Director	$0	$0	$0
Donna Stockham	Board Member	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$1,113,647	$1,070,743	$936,802	$42,904
2023	$1,156,275	$999,634	$899,238	$156,641
2022	$1,075,277	$884,568	$767,622	$190,709
2021	$528,368	$598,990	$468,363	$-70,622