Catastrophes are expensive. They take a toll in terms of financial losses to policyholders and insurers. They have a personal and physical impact on adjusters, contractors and other first responders. And they are emotionally, physically and financially draining for residents and businesses.

Following a catastrophe, everything costs more because supplies are at a premium. Rates for adjusters, vendors and contractors are higher because they are staying away from their homes and families, working under extremely stressful circumstances with a severely impacted infrastructure, and everyone and everything is affected by the stresses and physical demands of the job.

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