Web-Based ValueNOW Service Simplifies Replacement Cost Calculation

TROY, MI--(Marketwire - August 18, 2009) - ValueNOW, a new web-based service available fromProctor Financial, Inc., gives lenders, mortgage servicers and investors aquick and easy way to establish the replacement cost and actual cash valueof residential properties, including 1 - 4 unit single family dwellings andtown-house style condominiums. This new service is being bundled with PFI'sMortgage Guard® lender-placed hazard insurance program, and includes aReplacement Cost Guarantee and Inflation Guard endorsement to provide acomplete, fully integrated insurance solution.

Powered by advanced technology from e2Value, Inc., the ValueNOW propertyvaluation tool operates in a real-time environment and is accessible 24/7through Proctor Financial's secure client portal at www.pfic.com. Minimaldata is needed to utilize ValueNOW -- users simply enter a valid propertyaddress. ValueNOW integrates public-record data from three national sourcesto produce a comprehensive property valuation report, and utilizesproprietary "assumption table" technologies to bridge voids of key missinginformation.

Effective multi-source validation has been built into the ValueNOW tool.Data and confidence scoring help the user determine if data results fromvarious sources match, while satellite and aerial imagery -- as well asadvanced GeoCode and measurement tools -- provide quick and accurateidentification of the subject property.

Users are charged a nominal fee per calculation. No charge is made forcalculations where public records are incomplete or unavailable. The toolcan be used for single property calculations as well as batch processingtasks of 500 or more properties. A commercial property replacement costvaluation option is scheduled to be added to the ValueNOW service by thethird quarter of 2009.

"Only coverage based on full replacement cost value can protect against atotal loss," notes Gary Johnson, REO Asset Management Representative withFirst Federal Bank of California. "In an ever depreciating real estatemarket, ValueNOW has helped us to determine the optimal insurable valuefrom a cost perspective."

Additional information about ValueNOW service is available by emailingProctor Financial at proctorsolutions@pfic.com or calling toll-free877-456-7294.

About Proctor Financial, Inc.

Proctor Financial, Inc. headquartered in Troy, Michigan, is a wholly-ownedsubsidiary of Brown & Brown, Inc. (NYSE: BRO), ranked by Business Insurancemagazine as the United States' seventh largest independent insuranceintermediary. Proctor Financial is considered one of the pioneers oflender-placed insurance. Today, Proctor Financial provides innovativerisk-management solutions to over 1,600 lenders nationwide, insuringapproximately $23 billion in residential and commercial properties. Learnmore about Proctor Financial at www.pfic.com

This press release may contain certain statements relating to futureresults which are forward-looking statements. These statements are nothistorical facts, but instead represent only the current belief of ProctorFinancial, Inc. and its parent company, Brown & Brown, Inc. (collectively,the "Company") regarding future events, many of which, by their nature, areinherently uncertain and outside of the Company's control. It is possiblethat the Company's actual results, financial condition and achievements maydiffer, possibly materially, from the anticipated results, financialcondition and achievements contemplated by these forward-lookingstatements. Further information concerning the Company and its business,including factors that potentially could materially affect the Company'sfinancial results and condition, as well as its other achievements, arecontained in the Company's filings with the Securities and ExchangeCommission. All forward-looking statements made herein are made only as ofthe date of this release, and the Company does not undertake any obligationto publicly update or correct any forward-looking statements to reflectevents or circumstances that subsequently occur or of which the Companyhereafter becomes aware.

About: e2Value, Inc.

e2Value, Inc. is a full-service application development, insuranceconsulting, strategic technology partner and provider, offering products toassist with structure valuation and workflow solutions. Founded in 1999 byformer insurance executives and based in Stamford CT, e2Value is theleading hosted application provider delivering replacement cost valuationsover the Web for all residential, commercial and farm and ranch propertiesin the United States and Canada. The company offers full-featured,knowledge-based Internet applications for insurance, real estate andbanking professionals that enable consistency and standardization ofpricing, processes and procedures. Its customers range from the world'sleading insurance companies to one-person insurance agencies, as well aslenders, mortgage servicers and appraisal management companies. Learn moreabout e2Value at www.e2value.com.