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Insurers in some states must increasingly contend with fraudulent activity that unnecessarily adds to catastrophe losses.

While the people of Joplin, Mo., as well as Tuscaloosa, Ala., and Birmingham, Ala., don’t have to be reminded, this year marks the fifth anniversary since these and several other cities were devastated by massive tornadoes.

The insurance industry responded very effectively to these events and played a significant role in the rebuilding.

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