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Catastrophes may be the single greatest challenge impacting the insurance industry, affecting underwriters, adjusters, and policyholders alike. The shared risk that makes insurance such a viable industry can become financially devastating when thousands of claims pour in following an event like a hurricane, flood, or earthquake. No matter how many horrific events the industry has had to cope with — Atlantic storms such as Hurricane Andrew, floods in the Midwest, tornadoes in metropolitan areas — each catastrophe presents new challenges that call for an evolution of techniques, tactics, and technology.

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