Web-Based ValueNOW Service Simplifies Replacement Cost Calculation

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

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

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

Users are charged a nominal fee per calculation. No charge is made for
calculations where public records are incomplete or unavailable. The tool
can be used for single property calculations as well as batch processing
tasks of 500 or more properties. A commercial property replacement cost
valuation option is scheduled to be added to the ValueNOW service by the
third quarter of 2009.

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

Additional information about ValueNOW service is available by emailing
Proctor Financial at proctorsolutions@pfic.com or calling toll-free
877-456-7294.

About Proctor Financial, Inc.

Proctor Financial, Inc. headquartered in Troy, Michigan, is a wholly-owned
subsidiary of Brown & Brown, Inc. (NYSE: BRO), ranked by Business Insurance
magazine as the United States' seventh largest independent insurance
intermediary. Proctor Financial is considered one of the pioneers of
lender-placed insurance. Today, Proctor Financial provides innovative
risk-management solutions to over 1,600 lenders nationwide, insuring
approximately $23 billion in residential and commercial properties. Learn
more about Proctor Financial at www.pfic.com

This press release may contain certain statements relating to future
results which are forward-looking statements. These statements are not
historical facts, but instead represent only the current belief of Proctor
Financial, Inc. and its parent company, Brown & Brown, Inc. (collectively,
the "Company") regarding future events, many of which, by their nature, are
inherently uncertain and outside of the Company's control. It is possible
that the Company's actual results, financial condition and achievements may
differ, possibly materially, from the anticipated results, financial
condition and achievements contemplated by these forward-looking
statements. Further information concerning the Company and its business,
including factors that potentially could materially affect the Company's
financial results and condition, as well as its other achievements, are
contained in the Company's filings with the Securities and Exchange
Commission. All forward-looking statements made herein are made only as of
the date of this release, and the Company does not undertake any obligation
to publicly update or correct any forward-looking statements to reflect
events or circumstances that subsequently occur or of which the Company
hereafter becomes aware.

About: e2Value, Inc.

e2Value, Inc. is a full-service application development, insurance
consulting, strategic technology partner and provider, offering products to
assist with structure valuation and workflow solutions. Founded in 1999 by
former insurance executives and based in Stamford CT, e2Value is the
leading hosted application provider delivering replacement cost valuations
over the Web for all residential, commercial and farm and ranch properties
in the United States and Canada. The company offers full-featured,
knowledge-based Internet applications for insurance, real estate and
banking professionals that enable consistency and standardization of
pricing, processes and procedures. Its customers range from the world's
leading insurance companies to one-person insurance agencies, as well as
lenders, mortgage servicers and appraisal management companies. Learn more
about e2Value at www.e2value.com.