Conflicting signals between a potential El Nino and above-normal warmth in certain regions of the Atlantic bring more uncertainty than usual to this forecast.
While Florida hurricanes are not unusual, this storm created claims complexities because of new statutory reforms, homeowners without flood insurance, and supply chain and worker shortages.
Insurers have begun to make the link between fossil fuel infrastructure, such as mines and pipelines, and the impact that greenhouse gas emissions are having on other parts of their business.