This document shows the approvals by The State of Utah and also IICRC, an industry governing body, regarding this author\'s writing and coaching on ethics.

1. Ethics -- 1 --
Exhibit I
MERWIN U. STEWART MICHAEL O. LEAVITT C. TOM BRASHER
Utah Insurance Department Governor Director
Insurance Commissioner Producer Licensing Services Division
From: Michael T. Covington
Date: October 2, 2003
Subj: Recommendation for John Fox
To whom it may concern, greetings:
My current position is Continuing Education Specialist with the Utah Department of
Insurance. I am in charge of approving and auditing courses that are filed with our
Department. In order for our insurance agents to renew their licenses, they must meet
our continuing education requirement.
In the winter of 2002, Mr. Fox contacted me to become a certified instructor, to teach
courses to our insurance agents in the areas of property casualty and adjusting, while
he was employed for Steamatic, here in Salt Lake City, Utah
I have had the opportunity of attending and auditing these classes, and the topics
discussed were water, fire and mold. John is very knowledgeable in these areas
because of his 9 years of experience in the field. The characteristics of a competent
instructor are:
 someone who is knowledgeable in the subject matter
 has the ability to deliver the message to their audience
 and makes a serious effort to engage the audience in discussion
If these qualities are not there, then the attention of the audience is long gone. And in
those cases, I find agents playing with their palm pilots, or reading a newspaper. Thus,
the purpose for continuing education has not been achieved and the agent has learned
nothing.
Utah!
Where ideas connect
State Office Building, Rm. 3110•Salt Lake City, UT 84114•Telephone (801) 538-3800•Facsimile (801) 606-2888•www.insurance.utah.gov
© 2005, revised 2008 by John Fox – all rights reserved.
May not be used nor reproduced in any way without author’s express written permission.

2. Ethics -- 2 --
Exhibit I – continued
MERWIN U. STEWART MICHAEL O. LEAVITT C. TOM BRASHER
Utah Insurance Department Governor Director
Insurance Commissioner Producer Licensing Services Division
John is a very competent instructor. His best characteristic is his gift for involving his
audience. He stimulates discussion by asking thought provoking questions. This is a
proven fact: when a class audience is actively engaged in discussion with instructor,
learning will take place. The agents come away from class with new knowledge and an
idea of how to be better agents to their clients.
John received positive and highly-rated evaluations from me. In addition, I have
received phone calls from attendees who have expressed their appreciation to John for
a very interesting and well presented class that is power-packed with information.
These callers felt their time was well spent.
Finally, John is also a talented writer. Before leaving Steamatic, he authored a course
on ethics. It was designed to cover the industry from an ethical point of view in the eyes
of the property casualty insurance adjuster, the agent and the restoration contractor.
Rather than approving this as a course, it was better suited for publishing. Now, more
insurance personnel will have access to this important message.
If I can be of further service, please contact me at (801) 538-3809. Or you may e-mail
me at mcovington@utah.gov.
Sincerely,
Michael T. Covington
State of Utah Department of Insurance
Continuing Education
Utah!
Where ideas connect
State Office Building, Rm. 3110•Salt Lake City, UT 84114•Telephone (801) 538-3800•Facsimile (801) 606-2888•www.insurance.utah.gov
© 2005, revised 2008 by John Fox – all rights reserved.
May not be used nor reproduced in any way without author’s express written permission.

3. Ethics -- 3 --
Exhibit II
Institute of Inspection, Cleaning
& Restoration Certification
2715 E Mill Plain Blvd
Vancouver, WA 98661
(360) 693-5675 Fax: (360) 693-4858
e-mail: info@iicrc.org
September 11, 2003
John Fox
3914 West 4955 South
Salt Lake City, UT 84118
Dear Mr. Fox:
This letter stands as notification that your “Ethics and Restoration Presentation” has been
approved for IICRC Continuing Education Credits. The amount of credits to be assigned to
IICRC registrants will be 1/2 credit in the cleaning/restoration category for our registrants.
Please forward a roster of the attendees after the function so that we can apply the credits
accordingly. When sending in the roster, please make sure the registrant’s names are legible.
We will need name, company and location. Thank you for your support of the IICRC.
Regards,
Lindsay Barlow
© 2005, revised 2008 by John Fox – all rights reserved.
May not be used nor reproduced in any way without author’s express written permission.