Disasters represent a moment of truth for P&C insurers to make good on their promise to policyholders while fostering good will. Successful fulfillment of this obligation is contingent upon the performance of claims organizations, which must in turn rely on impeccable disaster response protocols, as well as the proficiency and self-possession of individuals comprising catastrophe adjusting teams.

A mastery of logistics, appropriate vendor partnerships, and staffing—hiring and nurturing the right talent—is only half the battle. To emerge from a large-scale loss such as Sandy with both reputation and policyholder loyalty intact, insurers must commit to modern, flexible claims technology.

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