Katrina was a nightmare. Unfortunate risk managers and property owners in the hurricane’s wake were schooled firsthand in the art of property loss recovery. As in many schools, some pass and others flunk. Even those who never experience a hurricane’s wrath might have to recover financially and physically after significant losses.

Professional athletes earn their pay on game day. For attorneys, it is when they finally go to trial. For risk managers, bread-and-butter time is right after their organizations have suffered large property losses.

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