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The other week, I was talking with a claim specialist about the freakish weather of recent months and the sure-to-follow influx of claims. National Underwriter Company’s home office was closed following a terrible windstorm in September when the power went out for the entire region, and again in late January for a day because of the ice storm that struck the Midwest.

I don’t believe the company filed any claims as a result, but the news was full of fallen tree limbs, downed power lines, business interruptions, and damaged buildings. Those were just minor inconveniences in the scheme of things. Some parts of the country were still without electrical power more than a week after the heart of the January ice storm faded. A number of people died.

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