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Reading the reminiscences of former Florida Insurance Commissioner Tom Gallagher’s trials in the aftermath of Hurricane Andrew got me to thinking about what a hit the insurance industry took from that storm. I’m not talking about the financial hit, but the reputational hit.

In Chad Hemenway’s exclusive story about Gallagher and other’s experience that day and the days after, it is striking how Andrew epitomizes insurer’s déjà vu reaction to catastrophe. They honor the claims, making the mandatory pronouncement about their sensitivity toward their client’s fate and desire to make them whole.

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