More than 13 million properties that aren't currently vulnerable to tropical cyclones likely will be in 30 years.

According to a recent report from Jacobson, these are the hiring shifts insurers should expect to see this year.

The properties, located across three states, have a combined reconstruction value of $4.5B, CoreLogic reports.

The case is a cautionary tale for insurance companies refusing to tender policy limits in a timely manner, plaintiff counsel suggested.