Observers of the insurance industry are wondering aloud whether Hurricane Katrina will have long-term effects on the industry and the way it views its business.

In a report titled "After Katrina: What Now for the Insurance Industry?" by Donald Light, senior analyst for Celent, a research and consulting firm (, questions are raised about Katrina's long-term implications.

Mr. Light told National Underwriter the industry will be impacted in three important areas in the aftermath of Katrina.

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