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We like to think we’re tough here in New York, but I’m not ashamed to say that the thought of a hurricane coming right at us scared the wits out of me. Frankly, I don’t know how folks in storm-prone areas live with this threat all the time.

What eased my nerves a bit was the discipline of risk management. Three decades of covering the insurance business certainly has left an impression. So I prepared for the worst-case scenario and hoped for the best.

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