Windstorm Insurance Network Inc

Nonprofit profile at a glance

EIN
593604274
IRS 990 coverage
2020–2025
Forms available
Form 990 2025
Location
Alexandria, VA, USA
Phone
2026596622
Rating
78
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Professional Societies, Associations

Official website

Reported finances

Revenue
$904,002
Expenses
$940,769
Assets
$618,137
Liabilities
$18,563

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

17 people listed

Executive titles in this filing

  • Lori Flenniken (President)
  • Justin Whedbee (President-Elect)
  • Joseph Connelly (Vice President)
  • Gina Clausen Lozier (Immediate Past President)

People named in this filing

  • Lori Flenniken (President)
  • Justin Whedbee (President-Elect)
  • Joseph Connelly (Vice President)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

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.

What it reported doing in 2025

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.

Operating model

Revenue model
Earned-program. 87% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 98% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 74
  • Transparency & Controls: 93
  • Accountability: 70
  • Sustainability: 34
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 84.2%; rating input score 84
  • Program expense ratio: 82.5%; rating input score 82
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 78th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 2 of 7 controls in place; rating input score 29
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -4.1%; rating input score 21; 21st percentile among comparable filings
  • Total-asset coverage ratio: 0.66; rating input score 31; 31st percentile among comparable filings
  • Liabilities to assets ratio: 0.03; rating input score 49; 49th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 78; 78th percentile among comparable filings

Growth

  • Program expense growth: 11.7% per year; rating input score 100; 63rd percentile among comparable filings
  • Revenue growth: 6% per year; rating input score 100; 43rd percentile among comparable filings
  • Asset growth: 3.9% per year; rating input score 100; 30th percentile among comparable filings

Details

  • Where the money goes: 84.2% of revenue deployed · 82.5% of spending went to programs
  • Governance: 17 of 17 board members independent · 2 of 7 filing controls reported
  • Programs: 5 filed program accomplishments · $776K in reported program spending
  • Leadership: top reported pay $0 · 17 people listed
  • Consistency: 21 of 21 current checks pass
  • Schedules: 3 filed schedules · includes grants
  • Filing history: 5 filing years from 2020 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Related organizations: 1 filed related-organization link
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Accountability: Governance controls: 4 of 6 not reported.
  • High — Sustainability: Operating margin scored 21/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 31/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 49/100.