On Aug. 29, 2005, Hurricane Katrina came barreling into the Gulfcoast, bringing with it terms like anti-concurrent causation, windversus water, and a host of other issues. As we get a clearerpicture of the damage caused by Hurricane Irene, it's possible thatthe industry will face similar issues that arose with Katrina sixyears ago.

Looking at photos and reading damage assessment reports causedby Irene, I understand why some believe that many of the insuranceissues related to Katrina and its wind-versus-water discussion are likely to result in a sequelof sorts. However, like most movie sequels, this one lacks thetenacity and originality of the first—and might go straight toDVD.

While Katrina brought a massive storm surge of 24-28 feet—thehighest ever recorded from a hurricane—Irene mustered justthree-to-five feet along its entire path through the mid-Atlanticand Northeast, according to Risk Management Services. And whileKatrina brought wind speeds of 111-130mph at landfall, it appearsthat Irene topped out at 85mph winds in North Carolina, and 75mphin New England states. In many areas, wind speeds were closer to60mph.

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