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Read Gil Hine's views on how he got into the insurance business, what attracted him to surplus lines and his priorities for the coming year as NAPSLO's next president.

The fallout from Katrina has led to significant changes within the insurance and risk management industry.

Hurricanes are feared storms for good reasons. And, with winds that can exceed 155 miles per hour, the damage they leave in their wake can be staggering.

Two of Texas most-powerful lobbies, the insurance industry and trial lawyers, are gearing up for a fight over a push to ease penalties against companies that deny homeowners their hail-damage claims.

You don't have to look far. Storms within the last two decades have caused hundreds of billions of dollars worth of damage.

No longer bound to a 24/7 workweek, my wife and I managed to avoid the horrible winter of 2014 by being in sunny Florida. But it was not a time for beach and sun we kept busy with classes, reading, studying, concerts (both in the audience and as participants)...

As the song says, Its the most wonderful time of the year!

Of the costliest U.S. hurricanes in the past 10 years, Sandy, Ike, and Katrina brought coastal flooding that bellied each storm's category strength, proving that when it comes to storm surge, the exception is becoming the rule.