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The sky is falling, or so it would have seemed in 2011, a year marred by record-setting devastation that scarred both the earth and the human spirit. During those tempest-tossed days, Mother Nature angrily lashed out with howling storms, raging waves that engulfed cities and villages, and pernicious fires that devoured timber and swaths of homes. When the smoke had cleared, millions were left with the sound, the fury, and the pain. But that was just the beginning for the claims industry, which swiftly rose to restore order from the chaos of numerous billion-dollar calamities.

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