Homeowners and Flood Insurance Tracking & Payment Service Provider

REQUEST FOR PROPOSALS
Homeowners and Flood Insurance Tracking & Payment Service Provider
________________________________________________________________________
Posting Date: June 12, 2026
Response Submission Deadline: 3:00 EST p.m. on July 10, 2026.
NOTE TO RESPONDENTS:
Please be advised that all submissions (including those not selected for engagement) may be made
available to the public on request pursuant to the Rhode Island Access to Public Records Act,
Chapter 2 of Title 38 of the Rhode Island General Laws (the "APRA") upon award of a contract(s).
As a result, respondents are advised not to include information that they deem proprietary or
confidential or that constitutes a trade secret.
INTRODUCTION
Through this Request for Proposals ("RFP"), the Rhode Island Housing and Mortgage Finance
Corporation ("RIHousing") seeks proposals from qualified firms to RIHousing seeks to engage a
qualified firm for our single-family loan portfolio to track the hazard, and flood insurance declaration
pages, to pay all invoices, to manage the process for placing customers on lender placed insurance,
and to manage the relationship with our force placed insurance carrier. The firm should be able to
provide phone-based customer service to our customers. The firm should have an online based system
for viewing of bills, declarations pages, and reporting. Our two portfolios contain approximately
32,000 first and second mortgages. Additionally, we are the sub-servicer for Maine State Housing
Authority. Our loan portfolio consists of properties in both Rhode Island and Maine.
INSTRUCTIONS
Proposals must be submitted via email to: Tony Impagliazzo, Assistant Director- Loan Servicing
at aimpagliazzo@rihousing.com no later than the response submission deadline set forth above.
Proposals that are not received by the response submission deadline or that do not adhere to
the submission instructions described herein shall not be accepted or considered by
RIHousing.
Proposals should be concise and adhere to the word count applicable to each section of this Request
for Proposals ("RFP"). Proposals should be presented on business letterhead and include all
attachments, certifications (including the Submissions Certification at Attachment A), and work
samples (as applicable). Please note that failure to provide any information, certification, or document
requested in this RFP may cause your submission not to be reviewed or considered by RIHousing.

RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
RIHousing may invite one or more finalists to make presentations, including demonstrations of
requested products, if applicable.
Updates, amendments and Q&As related to this Request for Proposals may be posted from time to
time at: RFPs & RFQs | RIHousing.
SCOPE OF WORK
Please see the Scope of Work as provided on Attachment B.
ITEMS TO BE INCLUDED WITH YOUR PROPOSAL
Section A: General Firm Information (Total word limit: 500 words)
SUBMISSION
CHECK LIST
1. Provide a brief description of your firm, including but not limited to the
following:
a. Name of the principal(s) of the firm.
b. Name, business telephone number and business email address of the
representative of the firm authorized to discuss your proposal.
c. Locations of all offices of the firm.
d. Number of employees of the firm.
RIHousing requests that the contact information provided in response to this
subsection (1) be strictly limited to business addresses, telephone numbers, and
email addresses to protect any personal information from being made available
to the public pursuant to APRA.
Section B: Experience and Resources (Total word limit: 3500 words)
1. Describe your firm and its capabilities. Support your capacity to perform the Scope
of Work.
2. Indicate which principals and associates from your firm would be involved in
providing services to RIHousing. Provide appropriate background information for
each person and identify their responsibilities.
3. If applicable, please indicate the name of any subcontractors that would be
involved in providing services to your firm and to RIHousing. Provide appropriate
background information for each person or entity, identify the person's
responsibilities and outline their capabilities.
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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
4. Please include a current client roster, including a lead contact name and business
telephone number for each. Or provide a detailed list of references, including a
contact name and business telephone number for organizations or businesses for
whom you have performed similar work.
5. Describe your firm's information security systems and the steps that your firm
takes to safeguard client communication, confidential information, and client
data. Include in your response whether your firm performs penetration testing,
your firm's encryption methods, and whether client data is stored onshore or
offshore.
Section C: Fee Structure (Total word limit:500 words)
The cost of services is one of the factors that will be considered in awarding this contract.
The information requested in this section is required to support the reasonableness of
your fees.
1. Please provide a cost proposal for providing the Scope of Work at Attachment B.
2. Provide an itemized breakdown of billing rates and hourly costs, list of key
personnel and their hourly rates, reimbursable expenses, etc. for any services that
may be requested in addition to the services previously described.
3. Please provide any other fee information applicable to the engagement that has
not been previously covered that you wish to bring to the attention of RIHousing.
Section D: Minority Owned Business/Women Owned Business pursuant to
the Rhode Island State Purchases Act
1. In compliance with State law (R.I. Gen. Laws 37-2-1 et seq; R.I. Gen. Laws
37-14.1-6), RIHousing encourages the participation of persons of color, women,
persons with disabilities and members of other State-protected classes. Include the
number and percentage of members of State-protected classes who are either
principals or senior managers in your firm, the number and percentage of members
of State-protected classes in your firm who will work on RIHousing's engagement
and, if applicable, a copy of your Minority- or Women-Owned Business Enterprise
state certification. This information will be used in furtherance of Rhode Island
law.
Section E: Miscellaneous (Total word limit: 1000 words)
1. Discuss any topics not covered in this RFP that you would like to bring to
RIHousing's attention.
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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
Section F. Certifications
All applicants must respond to and provide documentation as outlined in the Request for
Proposals Submission Certifications at Attachment A.
EVALUATION AND SELECTION
A selection committee consisting of RIHousing employees will review all proposals that meet the
requirements set forth in the "Instructions" section of this RFP and select based on the following
factors, weighted according to the needs and requirements of this particular project proposal:
* Professional capacity to undertake the Scope of Work (as evaluated by reference in Section B:
Experience and Resources);
* Proposed fee structure (as evaluated by reference in Section C: Fee Structure);
* Ability to perform within time and budget constraints (as evaluated by reference in Section B);
* Previous work experience and performance with RIHousing and/or similar organizations (as
provided in Section B: Experience and Resources, subsection 3);
* Recommendations from references (as provided in Section B: Experience and Resources,
subsection 3);
* Firm minority status (as requested in Section D: Firm minority status (in accordance with
Rhode Island law, as requested in Section D: Minority Owned Business/Women Owned
Business pursuant to the Rhode Island State Purchases Act)
* Other pertinent information submitted.
By this RFP, RIHousing has not committed itself to undertake the work set forth herein. RIHousing
reserves the right to reject all proposals, to rebid the original or amended scope of services and to
enter negotiations with one or more respondents. RIHousing reserves the right to make those
decisions after its receipt of responses. RIHousing's decision on these matters is final.
For additional information contact: aimpagliazzo@rihousing.com
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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
Attachment A
Requests for Proposals Submission Certifications
Please respond to all items below and include them in your response to this RFP. Be sure to include
any additional information in the space provided or as an attachment as needed. Please ensure that
any attachments refer to the appropriate item by name (i.e., "Conflict of Interest," "Major State
Decision Maker," etc.)
Total word limit for Sections A and B: 500 words
Section A: Conflicts of Interest
1. Identify any conflict of interest that may arise because of business activities or ventures by
your firm and associates of your firm, employees, or subcontractors because of any
individual's status as a member of the board of directors of any organization likely to interact
with RIHousing. If there is none, check below.
None
2. Describe how your firm will handle actual and or potential conflicts of interest (please include
in your proposal or attach a sheet with this information).
Section B: Litigation, Proceedings, Investigations
1. Identify any material litigation, administrative proceedings, or investigations in which your
firm is currently involved. If there is none, check below.
None
2. Identify any material litigation, administrative proceedings, or investigations to which your
firm or any of its principals, partners, associates, subcontractors, or support staff was a party,
that has been finally adjudicated or settled within the past two (2) years. If there is none,
check below.
None

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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
Section C: Certifications
1. RIHousing insists upon full compliance with Chapter 27 of Title 17 of the Rhode Island
General Laws, Reporting of Political Contributions by State Vendors. This law requires State
Vendors entering contracts to provide services to an agency such as RIHousing, for the
aggregate sum of $5,000 or more, to file an affidavit with the State Board of Elections
concerning reportable political contributions. The affidavit must state whether the State
Vendor (and any related parties as defined in the law) has, within 24 months preceding the
date of the contract, contributed an aggregate amount more than $250 within a calendar year
to any general officer, any candidate for general office, or any political party. Please
acknowledge your understanding below.
I have read and understand the requirements of Chapter 27 of Title 17 of the Rhode

Island General Laws, Reporting of Political Contributions by State Vendors.
2. Does any Rhode Island "Major State Decision-maker," as defined below, or the spouse or
dependent child of such person, hold (i) a ten percent or greater equity interest, or (ii) a Five
Thousand Dollar or greater cash interest in this business?
For purposes of this question, "Major State Decision-maker" means:
(i) All general officers; and all executive or administrative head or heads of any state executive
agency enumerated in 42-6-1 as well as the executive or administrative head or heads of
state quasi-public corporations, whether appointed or serving as an employee. The phrase
"executive or administrative head or heads" shall include anyone serving in the positions
of director, executive director, deputy director, assistant director, executive counsel, or chief
of staff;
(ii) All members of the general assembly and the executive or administrative head or heads of
a state legislative agency, whether appointed or serving as an employee. The phrase
"executive or administrative head or heads" shall include anyone serving in the positions
of director, executive director, deputy director, assistant director, executive counsel, or chief
of staff;
(iii) All members of the state judiciary and all state magistrates and the executive or
administrative head or heads of a state judicial agency, whether appointed or serving as an
employee. The phrase "executive or administrative head or heads" shall include anyone
serving in the positions of director, executive director, deputy director, assistant director,
executive counsel, chief of staff or state court administrator.
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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
Please indicate your response below.
Yes

If your answer is "Yes," please identify the Major State Decision-maker, specify the nature
of their ownership interest, and provide a copy of the annual financial disclosure required
to be filed with the Rhode Island Ethics Commission pursuant to R.I.G.L. 36-14-16, 17
and 18.
No
3. In the course of providing goods or services to RIHousing, the selected respondent may receive
certain personal information specific to RIHousing customer(s) including, without limitation,
customer names and addresses, telephone numbers, email addresses, dates of birth, loan
numbers, account numbers, social security numbers, driver's license or identification card
numbers, employment and income information, photographic likenesses, tax returns, or other
personal or financial information (hereinafter collectively referred to as the "Personal
Information"). The maintenance of the Personal Information in strict confidence and the
confinement of its use to RIHousing are of vital importance to RIHousing.
Please certify below that in the event your firm is selected:
(i) any Personal Information disclosed to your firm by RIHousing or which your firm
acquires because of its services hereunder will be regarded by your firm as confidential,
and shall not be copied or disclosed to any third party, unless RIHousing has given its
prior written consent thereto; and
(ii) your firm agrees to take all reasonable measures to (a) ensure the security and
confidentiality of the Personal Information, (b) protect against any anticipated threats or
hazards to the security or integrity of the Personal Information, and (c) maintain
reasonable security procedures and practices appropriate to your firm's size, the nature of
the Personal Information, and the purpose for which the Personal Information was
collected in order to protect the Personal Information from unauthorized access, use,
modification, destruction or disclosure; and
(iii) when discarding the Personal Information, destroying it in a commercially reasonable
manner such that no third party can view or recreate the information, electronically or
otherwise.
These provisions, which implement the requirements of the Rhode Island Identity Theft
Protection Act, R.I.G.L. 11-49.2 et seq., will also be incorporated into the final contract with
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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
the selected respondent(s). In addition, if selected, your firm may be requested to provide a
copy of its information security plan.
I certify that in the event our firm is selected, we will comply with the Personal Information

and Security guidelines noted above.
4. Your firm's president, chairman or CEO must certify below that (i) no member of your firm
has made inquiries or contacts with respect to this RFP other than in an email or written
communication to Tony Impagliazzo, aimpagliazzo@rihousing.com seeking clarification
on the Scope of Work set forth in this proposal, from the date of this RFP through the date
of your proposal, (ii) no member of your firm will make any such inquiry or contact until after
July 10, 2026, (iii) all information in the proposal is true and correct to the best of your
knowledge, (iv) no member of your firm gave anything of monetary value or promise of future
employment to a RIHousing employee or Commissioner, or a relative of the same, based on
any understanding that such person's action or judgment will be influenced, (v) your firm did
not consult with RIHousing in connection with the development of this RFP, and (vi) your
firm is in full compliance with Chapter 27 of Title 17 of the Rhode Island General Laws,
Reporting of Political Contributions by State Vendors.
I certify that no member of our firm has made or will make any such inquiries or contacts;
all information supplied is true and correct; no member of our firm has provided anything of
value to influence RIHousing; and our firm follows applicable political contribution reporting.
President, Chairman or CEO (print): ____________________________________________
Signature:
Firm Name: _______
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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
Attachment B
Scope of Work
I. Services to be Provided
1. Track the hazard and flood insurance declaration pages.
2. Pay all invoices on time.
3. To manage the process for placing customers on lender placed insurance.
4. To manage the relationship with our force placed insurance carrier.
5. The firm should be able to provide phone-based customer service to our customers.
6. The firm should have an online based system for viewing of bills, declarations pages, and
reporting.
Our minimum goals with this engagement are eliminating paper insurance invoices, increasing the
processing speed of our escrow staff, and eliminating our time spent tracking down missing
insurance documentation.
Policy Tracking Services
The firm will determine when flood and hazard policies are due for mortgagees and provide a weekly
report that the processors at RIHousing can use to pay the hazard and flood insurance bills.
The firm will track cancellation of policies and will do any necessary outreach to get an updated policy
declaration and invoice.
The firm will provide a report that the processors at RIHousing will use to ensure the CFPB required
letters are sent to borrowers. RIHousing will send these letters and process any force placed policy
requests.
The firm will ensure that the correct mortgagee clause is attached to each policy and do any necessary
outreach to update incorrect or missing information.
The firm will contact borrowers, insurance companies, and insurance agents on our behalf to request
proof of insurance documents and invoices. Contacts must be branded based on portfolio and may
include telephone calls and letters.
Document Tracking and Custodial Services
The firm will track missing documents, including master condominium policies, and do the necessary
research and outreach to collect them.
The firm will provide electronic options for borrowers, insurance companies, and insurance agents to
submit documents that were requested during outreach.
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RFP/RFQ Title: Homeowners and Flood
Insurance Tracking & Payment Service Provider
Respondent Name:
The paper invoices received by the firm will be scanned and uploaded to a web-based platform. The
web-based platform will be available for RIHousing staff to review and download documents.
Technology and Regulatory Requirements
The vendor systems must comply with the Real Estate Settlement Procedures Act (RESPA), the
Dodd-Frank Wall Street Reform and Consumer Protection Act, and CFPB privacy regulations.
Ideally, the vendor solution will be able to directly integrate with the ICE MSP Loan Servicing System
and update the hazard insurance information in the system.
If the vendor system cannot directly integrate with ICE MSP Loan Servicing System, then a file that
meets industry standard encryption and transmission protocols is acceptable.
The firm will provide standard and ad hoc reports.
Payment Processing Services
The firm may provide payment processing for insurance invoices and be able to update loan level
disbursement transactions in ICE MSP Loan Servicing System.
II. Project Schedule
The firm will provide a project manager to work with the RIHousing staff during implementation.
Implementation should be completed between 90 - 120 days from the execution of any agreement.
As part of the implementation the service will provide training for RIHousing staff and training
materials to be used for future training. Upon launch the service will accept the paper insurance bills
that are currently on hand in our facility. The service will set up a post office box where our borrower's
paper insurance invoices will be sent. In concert with RIHousing, the firm will develop a process to
return misdirected mail to our office in Providence.
During the engagement the firm will provide RIHousing with support services to resolve any technical
issues with the platform. The firm will provide a relationship manager. The firm will hold regular
meetings with RIHousing to review the program, provide updates on the industry, and the relationship
between the companies.
III. Budget and Payment Terms
RI Housing prefers a three (3) year contractual commitment based on a one-time per loan
tracking. The fee should be charged when the loan is boarded onto our servicing system. RI
Housing has budgeted $270,000 per year for this service.
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