Beta Theta Chapter
 2014 Coastal Risk Retreat
We know you are excited about our educational line-up at this year's Coastal Risk Retreat!  Designed to bring you timely information about risks affecting our coastal region, the three hours of education should be both valuable and entertaining!

Past & Future Coastal Changes 


Inherent Risks of Coastal Living 

Dr. Stephen L. Culver & Dr. David Mallinson

East Carolina University
Department of Geological Sciences

Coastal geologists will describe how the past is the key to understanding the future of coastal changes. They will describe the coastal North Carolina geologic database, which has grown tremendously over the past decade, and explain some of the processes affecting the coast today. They will provide examples of the conflicts caused by human activities superimposed upon one of the most dynamic areas on our planet and will note the risks that result from our love affair with the coast. 

About Drs. Culver & Mallinson:
Initially trained as a geologist, Dr. Stephen J. Culver has doctoral degrees in Oceanography and Biological Sciences. He has taught at universities in the U.K., West Africa and the U.S. and held research positions at the Smithsonian Institution and The Natural History Museum, London. He is currently Distinguished Professor and Chair of Geological Sciences at East Carolina University and conducts research on coastal change around the world.

Dr. David Mallinson received his B.S. and M.S. in Geology, and his Ph.D. in Marine Science.  He has worked as an environmental consultant, an Associate Research Scientist at the University of South Florida, and taught at Emory University and East Carolina University.  He is currently a Professor in the Dept. of Geological Sciences at ECU, and co-chair of the Science Evaluation Panel for the International Ocean Discovery Program.  His research is focused on understanding past changes in climate and sea level, and the impacts of change on coastal systems.

Catastrophe Models:

Are We Really Getting Better Information for Coastal Risks? 

Dr. Lorilee Medders
The Florida State University's
Florida Catastrophic Storm Risk Management Center

U.S. coastal property risks are subject to volatile insurance pricing and coverage availability, largely based on catastrophe loss models that use scientific and exposure information rather than simply historic loss experience to estimate losses.  Dr. Medders will demystify catastrophe models through a primer on the modeling process and interpretation of results, as well as a discussion of its limitations and challenges, especially as relates to coastal risks.

About Dr. Medders:
Dr. Medders serves as Director of the Florida Catastrophic Storm Risk Management Center and is also on the faculty in Risk Management and Insurance within the College of Business at The Florida State University.  She was appointed in late January by the State Board of Administration of the State of Florida to chair the Florida Commission on Hurricane Loss Projection Methodology, a commission on which she has served by appointment from the State of Florida CFO as the Statistics Expert Member since late 2009.

Dr. Medders has keen interests in risk modeling, business risk management, global risk issues, catastrophe risk finance, economic resilience to disasters, reputational/crisis risk management and business ethics.  She has presented and published numerous papers on these subjects and other sin academic and industry forums.  Her clients have included Fortune 500 companies as well as smaller companies and nonprofit organizations.  Currently, Dr. Medders is especially involved in catastrophe modeling, planning and finance research.

FORTIFIED - Building Standards that Stand Up to Mother Nature 

Mr. Fred Malik, MBA
FORTIFIED Program Manager
Insurance Institute for Business & Home Safety

The Insurance Institute for Business & Home Safety (IBHS) has established a set of science-based, voluntary, hazard-focused building programs, known as FORTIFIED. This systems-based approach to building new -  or retrofitting existing – homes and businesses has become the national resilient building construction standard, recognized by government agencies at the federal, state, and local levels, as well as by the insurance industry, builders and housing-related non-profits, such as Habitat for Humanity. North Carolina is one of several states that offers wind and hail premium discounts for FORTIFIED homes located in its eighteen coastal counties.  Mr. Malik will describe some very exciting new advances, as well as some challenges that lie ahead for FORTIFIED. He also will show compelling videos that clearly demonstrate the value and importance of FORTIFIED standards in vulnerable coastal areas.

About Mr. Malik:
Mr. Malik is the FORTIFIED Programs Manager at the Insurance Institute for Business & Home Safety.  He is responsible for overseeing the day to day operations of the programs, which span all 50 states.  Since taking over the program in 2009, Fred has been responsible for overseeing FORTIFIED's expansion to include new residential, new light commercial and existing residential building standards.  With an MBA from Virginia Tech, and more than 17 years of construction experience, Fred is an expert on mitigation, its value and practicality.  

Gamma Iota Sigma - Beta Theta Chapter is an officially recognized student organization at East Carolina University.  For more information e-mail us at
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