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A worker enters the Heartland Brewery at New York's South Street Seaport, as bags of garbage from the Superstorm Sandy cleanup sit out front. (AP Photo/Tina Fineberg)

Editor’s note: As PCS estimates insured losses at $11 billion, catastrophe modeler AIR Worldwide has revised its insured-loss estimate upward to between $16 billion and $22 billion. AIR’s previous estimate was between $7 billion and $15 billion.

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