When Hurricane Wilma headed toward the southeast coast of Florida with sustained winds of 125 miles per hour, there was a sense of disbelief and weariness among policyholders, insurance company officials, claim adjusters, and state officials.

After withstanding the damage from four major storms in 2004, and three large storms in 2005, another hurricane’s making landfall in the state appeared beyond all probability. As Senate Banking and Insurance Chairman Rudy Garcia (R-Hialeah) remarked at a recent committee meeting, “No one could have imagined eight storms in two years.”

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