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Although the 2006 storm season was a blessedly quiet one for most insurers and property policyholders, the massive hurricanes that hit in 2005 and 2004, along with the potential for future catastrophes in disaster-prone areas, have made for a case of haves and have-nots when hotels seek to obtain insurance.

“It’s really a tale of two markets,” said Brian Ruane, a senior vice president and director of the real estate and hotel practice of Willis Group. “One of them is softening and the other is just stabilizing, with some areas that are still seeing increases because of catastrophes.”

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