With each major hurricane, we learn more about how to minimizeand prevent loss. This year, we have had more than enoughopportunity to learn due to Hurricanes Harvey, Irma, Maria and Nate.

After Irma, my team and I had the chance to survey from the airand at ground level the damage caused by the storm. We rode alongwith our field adjusting team and met directly with agents andclients. The resilience of the people and communities affected bythe storm was impressive. Our visit and the incoming claims dataenabled us to make the following observations about the top fivelosses and how to prevent them the next time a storm strikes.

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