Barely a month after Hurricane Charley battered Florida, the state has felt two more hurricanes reach landfall. As this issue of Claims went to press, Ivan had just crashed ashore in the Florida panhandle, Alabama, Louisiana, and Mississippi, and residents of the Southeastern coastline were crossing their fingers that Jeanne and Karl would not come knocking.

“Florida hasn’t had to deal with devastating hurricanes in such close succession in decades, and the experience for millions of residents and businesses has been distressing,” said Thomas Benoit, president of Catastrophe Management Consultants, a loss consulting firm with headquarters in Tampa, Fla.

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