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The insurance industry learns from every catastrophe. Consider what Hugo did to Charleston, or Ivan to Pensacola. Miami got the big storm, but the future could hold even bigger storms.

A new report by Karen Clark & Co. says storms capable of major losses are not as infrequent as we might assume.

Tom Gallagher recounts the damage Hurricane Andrew inflicted and an industry forever changed.

Twenty years ago on Aug. 24, Hurricane Andrew made landfall in Florida and taught the insurance industry lessons it still adheres to today. Heres a look at the devastation Andrew caused 20 years ago, with recollections from some of the industrys key players.

It was the storm no one thought, or no one remembered, could happen and it would forever change Florida's property market and the way the insurance industry does business.

It was the storm no one thought, or no one remembered, could happen and it would forever change Florida's property market and the way the insurance industry does business.

A new report by Karen Clark & Co. says storms capable of major losses are not as infrequent as we might assume and the U.S. can expect a $10 billion loss from a hurricane every four years.

A new report by Karen Clark & Co. says storms capable of major losses are not as infrequent as we might assume and the U.S. can expect a $10 billion loss from a hurricane every four years.