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From a record outbreak of tornadoes in April to a pre-Halloween snowstorm in the Northeast, 2011 saw its share of catastrophic weather events. The year also broke the record for billion-dollar disasters, a title previously held by 2008 with nine; 2011 brought twelve.

Usually, such disasters also result in localized or widespread power outages. Often, insureds do not suffer any direct damage but experience losses solely because of power outage or the resultant power surge when electricity is restored.

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