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Bonnie, Charley, Frances, Ivan, and Jeanne are names that property and casualty carriers will not soon forget. Uninvited guests, these hurricanes pounded Florida and the Southeast this season, catching many personal line carriers off guard and ill prepared for the ensuing onslaught of claims. Making matters worse, these natural catastrophes arrived with such force, and in such close succession, that many insurance carriers were tested in terms of fulfilling policyholders’ customer service expectations.

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