Winter storms caused an estimated $2.3 billion in insured losseslast year, and with the millions of Americans--particularly thosein the Midwest and Northeast--affected by brutal winter weather,this year's total looks to be as high.

And while an agent or broker may live in an area with 20 inchesof fresh snow on the ground, it's business as usual and clientsneed to be serviced.

Matt Edmonds, director of Vertical Markets, Property &Casualty at LexisNexis, addresses some of the concerns agents andbrokers may have that are associated with winter stormclaims.

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