A few years back, I contributed an article (“The Coastal Coverage Challenge, October 2008) to American Agent & Broker that outlined some of the numerous challenges agencies face in writing insurance in the coastal areas of the U.S. What has changed since then?

Keep in mind our agency is located on a barrier Island (Long Beach Island) off the coast of New Jersey. We took a direct hit from Superstorm Sandy on Oct. 29, 2012. A lot of the challenges and changes we've had and continue to face are a direct result of Sandy and the devastation it caused.

We had suggested in 2008 that agencies break down the challenges they face into three categories: differentiation, education and communication. These categories are still essential when an agency is formulating its business plan to write coastal homeowner, flood and business insurance.

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