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This may be a very good decade to be a catastrophe adjuster. At least, such men and women will apparently be fully employed. Claims ranging from the Deepwater Horizon oil spill in 2010 to the blizzards this past winter and the tornadoes in the spring—estimated at an insured loss of $2.5 billion—and the flooding in the Red River and Lower Mississippi basin, from Missouri to Louisiana, loss, insured, and otherwise, will cause gray hair in the underwriting departments and fatter wallets in the independent claims industry.

Who would have dreamt the mess Mother Nature would inflict in this year’s annual tizzy? Drought in the West, tsunamis in California, wildfires in Texas, floods in the North and South, and powerful windstorms, accompanied by vicious hail, from Oklahoma to New York.

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