Egyptair B777-200ER registration SU-GBP suffered a cockpit fire on 29 July 2011 while on the ramp just prior to departure from Cairo Airport. Confidential informationUnder Insurance Code Section 38.001(d), a response made under this sectionwhether to a statistical agent or to TDIthat is otherwise privileged or confidential by law remains privileged or confidential until introduced into evidence at an administrative hearing or in a court. Claims will be triaged to direct urgent assistance to the worst-affected property owners. Suspected Pipe Failure and Subsequent Fire at Varanus Island, Western Australia. In addition to reviewing the statistical plan, please refer to 28 Texas Administrative Code Section 5.9502 for more information about reporting under the statistical plan. Select your PCS Mitigation and Building Code Workshop - March 2021. United Parcel Services - Boeing 747, N571UP, crashed at an abandoned military base near Dubai, 3 September 2010. Discover our framework to drive change and promote accountability in our workplace. Explore future meetings and access past event documents. service from the links below. QuestionsSend questions about how to submit data to ISO at TXCatStatAgent@verisk.com.Send questions about this bulletin to TDI at CatastropheData@tdi.texas.gov. It may be used to obtain repair quotes. Bulletins It could complement traditional catastrophe insurance markets by providing supplemental financial protection to community members in the event of a disaster or be used as full-limit, single-peril property protection in areas with high risk. Supporting Resiliency and Disaster Recovery, Credit Insurance For Short-Term Trade Receivables, Supporting Businesses, Workers, Communities, A Firm Foundation: How Insurance Supports the Economy, Insuring Your Business: Small Business Owners' Guide to Insurance. Adjusted for inflation by Aon using the U.S. Consumer Price Index. Catastrophe codes issued in calendar year 2015. offers all PCS catastrophe information through a single source thats easy to use. European storm Xynthia, affecting Spain, Portugal, France, Belgium, Germany etc. First-quarter catastrophe losses will inhibit performance for 2021, but ultimate results will hinge more on the volume and severity of tropical storms and wildfires events as the year progresses. 1991-2023 National Association of Insurance Commissioners. Domestic and international policy and outreach initiatives. On March 23, 2021, the Capital Adequacy (E) Task Force met to discuss various issues. Companies that registered with ISO in response to Bulletin B-0040-20 do not need to register again. Aircraft struck the ground 15kms short of Perm Airport, Russia fatally injuring 82 passengers and 6 crew. 258 0 obj << /Linearized 1 /O 260 /H [ 1234 663 ] /L 203707 /E 21326 /N 49 /T 198428 >> endobj xref 258 28 0000000016 00000 n 0000000911 00000 n 0000001897 00000 n 0000002115 00000 n 0000002267 00000 n 0000002725 00000 n 0000002918 00000 n 0000003104 00000 n 0000003285 00000 n 0000003861 00000 n 0000003884 00000 n 0000007062 00000 n 0000007085 00000 n 0000009072 00000 n 0000009095 00000 n 0000011022 00000 n 0000011045 00000 n 0000012898 00000 n 0000012921 00000 n 0000014851 00000 n 0000014874 00000 n 0000016748 00000 n 0000016771 00000 n 0000019039 00000 n 0000019062 00000 n 0000021095 00000 n 0000001234 00000 n 0000001875 00000 n trailer << /Size 286 /Info 250 0 R /Root 259 0 R /Prev 198417 /ID[] >> startxref 0 %%EOF 259 0 obj << /Type /Catalog /Pages 252 0 R /Outlines 179 0 R /OpenAction [ 260 0 R /XYZ null null null ] /PageMode /UseNone /PageLabels << /Nums [ -2 << /S /D /St -1 >> -2 << /S /D /St -1 >> -2 << /S /D /St -1 >> -2 << /S /D /St -1 >> -2 << /S /D /St -1 >> -2 << /S /D /St -1 >> ] >> /Metadata 257 0 R >> endobj 284 0 obj << /S 784 /O 873 /Filter /FlateDecode /Length 285 0 R >> stream Source: CoreLogic, a property data and analytics company. But you pay most routine medical expenses yourself. Join the best minds in the market - access the expertise, knowledge and insights to protect and develop your business. Issue:A catastrophemodel (or cat model)is a computerized process that simulatespotential catastrophic events and estimates the amount of loss due to the events. Texas Insurance Code Section 2210.107 (c) requires TWIA to produce an Annual Report to the Texas Legislature detailing the extent to which the Association and the Board of Directors have met the requirements of the Code. DeadlineThe first report for data as of February 28, 2021, is due March 31, 2021. Direct losses result from incidents such as damage to physical structures and contents, deaths, and injuries. Find out if you qualify for a Special Enrollment Period. Our sophisticated tools allow us to actively monitor weather and claim activity so we can act. It offers you a flexible delivery method that gives you fast, easy access to severe weather and catastrophe Loss of Germanwings Flight 9525 over the French Alps on 24 March 2015. Includes Puerto Rico and the U.S. Virgin Islands. Health Insurance Marketplace is a registered trademark of the Department of Health and Human Services. As of February 2, 2022. Storm Subsequent reports are due monthly, at the end of each month. TDI is seeking only property insurance information for the 2021 winter weather event. Losses arising from heavy rainfall starting on 12 January 2011, and ensuing flooding continuing through to the present day affecting Victoria, Australia. This could significantly enhance modelers' capabilities to understand and to quantify catastrophe risk. NCCI Catastrophe Code 12 - Use or Lose It Class Code (Of Sorts) Medicare Part D and catastrophic coverage: Costs, rules, and support the end of 1997. Once your registration is processed, ISO will provide you with your credentials and relevant reporting instructions. Catastrophic health insurance plans have low monthly premiums and very high deductibles. The 157 passengers survived with a number of injuries. XCS will enter this code when requested by leaders to do so. The San Francisco earthquake of 1906: An insurance perspective. 146 passengers and 6 crew perished. Enhancing Financial Protection Against Catastrophe Risks: The Role of Catastrophe Risk Insurance Programmes Format Analysis Source. The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible. Totals for the United States do not match totals shown elsewhere by the National Interagency Fire Center due to the use of different exhibits. Representatives from diverse groups who provide varied perspectives on insurance regulatory issues. Stop.Call.Confirm is a registered service markof the National Association of Insurance Commissioners. US Property Casualty Insurers See Record Losses from Texas Storms Households with a computer, percent, 2017-2021. Combined ratios for 2022 and 2023 are projected to be 98.9, and 99.3, respectively. Subject to change as loss estimates are further developed. PCS assigns a catastrophe serial number to loss events in the United States, Puerto Rico, and the U.S. Virgin Islands that cause $25 million or more in insured property losses and affect a significant number of policyholders and insurers. Global insured natural catastrophe losses reached an estimated $105 billion in 2021, the fourth-highest total on record, according to the Swiss Re Institute. PCS Catastrophe Conference provides the most U.S. Census Bureau QuickFacts: West Valley City city, Utah Insurers Report Estimated Q1 Catastrophe Losses - Insurance Journal Providing insurance for emergency services organizations such as fire and rescue code3insurance.org TWIA's 2021 Annual Report, covering the period . The scope of works is a list of home building repair works for your insurance claim. Catastrophe codes issued in calendar year 2011. into your own system. Please sign in to access member exclusive content. Qantas Airbus 380-842, registration VH-OQA, suffered an in-flight uncontained failure of the number two engine on climb out from Singapores Changi International Airport on 4 November 2010, whilst operating flight QF32 to Sydney, Australia. At the request of the Lloyd's Market Catastrophe co-ordination group, claims services major casualty / catastrophe code 11RX has been establised for the purposes of identifying CBI claims arising out of the 2011 Thailand flooding. Find contact information for insurance departments and local insurance agents, or file a complaint. Explosion at a blast furnace, Dearborn, MI, near Detroit, USA. All 7 crew and 61 passengers perished in the incident. Includes Puerto Rico and the U.S. Virgin Islands. ***. We're here to help. We do not offer direct consumer advice or services but we want to help you find what you're looking for in our contact directory. Slave Lake fire, Alberta, Canada, starting 14 May 2011 and continuing 15 and 16 May 2011, Loss of Asiana Airlines Cargo Boeing 747-400F, registration HI 7604 on 28 July 2011 following a reported in-flight fire, Losses arising from civil disturbances in England, 6 August - 10 August 2011, Losses arising from Hurricane Irene, affecting Puerto Rico, Bahamas and Eastern Seaboard of United States and Canada from 22 August to 29 August 2011, Losses arising from New Zealand earthquake at Sumner, 13 June 2011, Texas wildfires from 30 August and continuing through September 2011, including Bastrop County fire. Computer and Internet Use. Includes Puerto Rico and the U.S. Virgin Islands. They are intended to inform users on where future events are likely to occur and how intense they are likely to be. Specialized Support Catastrophe Response Catastrophe Response When a natural disaster or other catastrophic event hits, Travelers helps you manage your claim and recover. Insurance Catastrophe Resilience Report 2021-22 TDI Catastrophe bulletins - Texas Department of Insurance AIR Worldwide | Catastrophe Modeling and Risk Assessment We provide tools and resources to help regulators set standards and best practices, provide regulatory support functions, and educate on U.S. state-based insurance regulation. (3) Apartments, condominiums and multi-unit dwellings. The NAICCatastrophe Insurance (C) Working Groupof theProperty and Casualty (C) Committeeserves as a forum for discussing issues and solutions related to catastrophe models. A glossary of insurance terms and definitions. Enhancing Financial Protection Against Catastrophe Risks - ReliefWeb Bulletins; and other specific regulatory and legislative information. PCS National Flood Insurance Program Data. An overview of the reporting requirements for ELE claims are as follows: Unit Statistical Claims involving an ELE are coded using the established catastrophe code, which is reported in the catastrophe number field on the Loss Record. Some plans cover more services. have occurred on a monthly and quarterly basis, along with periodic news New Zealand flooding in the period 27 January 2023 and ongoing, Storm Eunice, affecting the UK and Europe in the period 18 February 2022, US Winter Storm affecting Texas commencing 12 February 2021, New South Wales wildfires commencing 1 August 2019, Western Australia wildfires commencing 13 November 2019, Ridgecrest Earthquakes, encompassing a series of earthquakes, emanating in the vicinity of Ridgecrest, California. The 2004 and 2005 Atlantic hurricane seasons had a substantial impact on modeling assumptions. West Valley City, Utah ZIP Codes - Map and List . While many catastrophe models are focused on extreme weather events, catastrophe models can be used to minimize loss events from other crises and situations, such as warfare, terrorism, insurrection, cyber breaches, etc. Bringing together experts who share intelligence, judgement, capital and risk to create a braver world. Catastrophe eventReporting is required for the February 2021 Texas winter weather event that took place starting on February 11, 2021, through February 19, 2021, throughout Texas. Severe storm crossed over Amsterdam Schipol Airport and Woensdrecht Airfield in the Netherlands. Subject to change as loss estimates are further developed. Commencing 26 December 2022 to 31 December 2022, US Winter Storm commencing 12 February 2021, New South Wales flooding commencing 18 March 2021, Pacific Northwest floods including British Columbia, Canada and Washington State, USA commencing 12 November 2021, Tornado outbreak affecting Kentucky, Arkansas, Illinois, Missouri and Tennessee commencing 10 December 2021, Victoria wildfires commencing 21 November 2019, Hurricane Laura commencing 23 August 2020, Regulatory tools (Crystal, Risk Locator & Stamp Decision Tool), Open Market Quality Assurance Tool (QA Tool), Binding Authority Quality Assurance Tool (QA Tool), Third Party Oversight (Delegated Authority), View all 'Claims for market participants', FAQ - Lloyd's Claims Scheme Consultation 2023, European floodingcommencing 12th July 2021, Civil Unrest in South Africa,commencing 8 July 2021, Tropical Storm Henri commencing 20th August 2021, Hurricane Ida commencing 27th August 2021, Australianwildfires commencing 1 August 2019, 1 August 2019 and 3 May 2020 and ongoing, 1 August 2019 and 13 February 2020and ongoing, Australian hailstorm commencing 19 January 2020, Australian hailstorm affecting New South Wales commencing, Australian hailstorm affecting Victoria commencing 19 January 2020. ContactTed Gregory | Director of Operations, PCS, Privacy Notices | Conditions of Use | Cookie Preferences 2008, Verisk Analytics, Inc. All rights reserved.USA: 1-800-888-4476 Global: + 800 48977489. If the page has not redirected, please visit the 3E site here. JERSEY CITY, N.J., February 15, 2022 Private U.S. property/casualty insurers saw a $5.6 billion net underwriting loss in the first nine months of 2021, as non-catastrophe losses returned to pre-pandemic levels, according to a report by Verisk (Nasdaq:VRSK), a leading global data analytics provider, and the American Property Casualty Insurance Association (APCIA). NEW YORK, Aug. 17, 2021 - The insurance industry ended 2020 profitably, with a combined ratio of 98.7. Claims from affected policyholders are given priority by insurers. After you spend the deductible amount, your insurance company pays for all covered services, with no, Like other plans, Catastrophic plans cover certain. Commissioner's Bulletin # B-0009-21 - Texas Department of Insurance Our three-year blueprint for the future shows the way toward building on existing strengths. All Rights Reserved. Tornadoes affecting Tennessee, United States commencing 2 March 2020, Severe weather occurring on 12 and 13 April 2020 in the State of South Carolina, Tornadoes affecting Tennessee, United States, commencing 12 April 2020, Hailstorm affecting Calgary, Alberta, 13 June 2020, Explosion in the Port of Beirut, Lebanon, 4 August 2020, Hurricane Isaias commencing 31 July 2020 affecting the Bahamas, Hurricane Isaias commencing 31 July 2020 affecting Florida, Hurricane Isaias commencing 31 July 2020 affecting South Carolina, Hurricane Isaias commencing 31 July 2020 affecting North Carolina, Hurricane Isaias commencing 31 July 2020 affecting Virginia, Hurricane Isaias commencing 31 July 2020 affecting Delaware, Hurricane Isaias commencing 31 July 2020 affecting New Jersey, Hurricane Isaias commencing 31 July 2020 affecting New York State, Hurricane Laura commencing 23 August 2020 affecting Louisiana, Hurricane Laura commencing 23 August 2020 affecting Texas, California Wildfires commencing 1 July 2020, Derecho severe weather situation affecting the US mid-west including Iowa, Illinois and other States commencing 10 August 2020, Hurricane Sally commencing 14 September 2020, Hurricane Delta commencing 5 October 2020, Hurricane Zeta commencing 24 October 2020, Oregon Wildfires commencing 5 August 2020, Hurricane Iota commencing 15 November 2020, Brumadinho dam burst in Minas Gerais, Brazil, on 29 January 2019, Hurricane Dorian commencing 26 August 2019 affecting the Caribbean/Bahamas, Hurricane Dorian commencing 26 August 2019 affecting the Bahamas, Hurricane Dorian commencing 26 August 2019 affecting Canada, Hurricane Dorian commencing 26 August 2019 affecting the Eastern Caribbean including Barbados, USVI and Puerto Rico, Hurricane Dorian commencing 26 August 2019 affecting Florida, Hurricane Dorian commencing 26 August 2019 affecting South Carolina, Hurricane Dorian commencing 26 August 2019 affecting North Carolina, Typhoon Faxai commencing 6 September 2019, Typhoon Hagibis commencing 10 October 2019, Californian Wildfires 2019 (Generic Code for wildfires without a specific Code) from January 2019 onwards, Kincade Wildfire commencing 23rd October 2019, Winter storm affecting the United States Eastern Seaboard and parts of Canada, commencing 3 January 2018, Kilauea, volcanic eruption affecting Hawaii, commencing 3 May 2018, Carr Wildfire, Redding, and affecting Shasta County and Trinity County, California, commencing 23 July 2018, Ranch Fire (Mendocino Complex) affecting Colusa County, Lake County and Mendocino County, commencing 27 July 2018, Hurricane Lane, commencing 22 August 2018, affecting Hawaii, Hurricane Florence commencing 4 September 2018, Hurricane Florence beginning 4 September 2018, affecting North Carolina, Hurricane Florence beginning 4 September 2018, affecting South Carolina, Typhoon Mangkhut commencing 9 September 2018, Hurricane Michael commencing 6 October 2018, Camp Wildfire, California, commencing 8 November 2018, Woolsey Wildfire, California, commencing 8 November 2018, Losses arising from the Lurssen Shipyard fire damaging superyacht Sassi, on 14 September 2018, Chile wildfires which began in the Valparaiso hillsides, commenced 2 January 2017, Tornadoes in South-Eastern United States, commenced 7 February 2017, Peruvian floods, commencing 13 March 2017. Aeroflot Nord B737-500, registration VP-BKO on 14 September 2008. They are subject to change as loss estimates are further developed. Medical providers' reimbursements for no-fault insurance were generally limited to 200% of Medicare rates for the same service or . United States, Puerto Rico, and the U.S. Virgin Islands. NAIC Center for Insurance Policy and Research (CIPR). Catastrophe Models (Property) - National Association of Insurance recognized authority on insured property losses from catastrophes in the Have a question or request? Top 10 Costliest Natural Catastrophes, United States (1) ($ millions) (1) Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. The Handbook explores catastrophe computer models and issues that have arisen or can be expected to arise from their use. Infographic: Hurricane Katrina 10 Years Later. Catastrophe News provides reports that summarize catastrophe losses that Maersk Oil & Gas FPSO Gryphon: Major damage following loss of station keeping - 4 February 2011, Tornadoes affecting Oklahoma, Arkansas, Mississippi, Alabama, North Carolina, South Carolina, Maryland and Pennsylvania on 14 - 16 April 2011, US Tornadoes, 24 - 28 April 2011, affecting Alabama, Arkansas, Georgia, Louisiana, Missouri, Oklahoma, North Carolina, South Carolina and Tennessee. However, the resolution of some perils, such as flood, is still evolving. Examples of indirect loss are loss of use, additional living expenses, and business interruption. Home Insurance Catastrophe Resilience Report 2021-22. The voice for a resilient Australia The General Insurance Code of Practice sets out the standards that general insurers must meet when providing services to their customers. All insurers licensed to write property and casualty insurance in Texas, including surplus lines and farm mutual insurers, Re: (3) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. PCSs long-standing reputation for accurately defining and tracking catastrophes helps to reduce disputes between primary insurers and reinsurers, saving the industry millions of dollars in staff and legal expenses each year. Catastrophe codes issued in calendar year 2005: Catastrophe codes issued in calendar year 2004: Catastrophe codes issued in calendar year 2003: US-Catastrophe Analyzer Tool (US-CAT) PCS FlatCat Developments and trends in financial markets and insurer investments. Access public conference call documents and information. A loss attributable to a common cause which occurs over a period of time and is not date specific is assigned a code which may be prefixed by * or !. Catastrophe codes issued in calendar year 2012. (1) Includes Puerto Rico and the U.S. Virgin Islands and losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. In these instances, the code is allocated based upon the year the accident occurred, followed by an alphabet suffix. Typhoon Chan-hom (Falcon) affecting China, Taiwan, South and North Korea et al from 30 June 2015 to 15 July 2015, Typhoon Souledor affecting Saipan, Taiwan, East China et al, 2/3 August 2015, Warehouse explosions in Tianjin, 12 August 2015, South California wildfires - the Butte fire in Calaveras and Amador Counties on 9 September 2015, The Valley fire in Lake, Napa and Sonoma Counties on 12 September 2015, Hurricane Patricia, 20 October to 24 October, Southern India Flooding between November - December 2015, Samarco Dam burst in Minas Gerais, Brazil on 5 November 2015, Malaysian Airlines, Loss of B777-200ER, 9M-MRI, on 8 March 2014, Attacks on Tripoli Airport from 13 July 2014, Loss of Malaysian Airways flight MH17 over Ukraine, Hurricane Odile - 13 to 19 September 2014, Brisbane and South-East Queensland storm, 27 - 28 November 2014, Loss of Air Asia QZ8501 over the Java Sea, 28 December 2014, Cyclone Oswald affecting Queensland and New South Wales, Australia, Destruction of Intelstat 27 (IS-27) Satellite following malfunction of launch vehicle. Property and Casualty Insurance (C) Committee, Advances in numerical weather prediction, data science, and open-source software herald a paradigm shift in catastrophe risk modeling and insurance underwriting (Risk Management and Insurance Review, March 2022), Catastrophe Models: In the Eye of the StormJuly 12, 2018, JLTRe Viewpoint, Catastrophe Risk and the Regulation of Property Insurance Markets2016, Journal of Insurance Regulation, A Decade of Advances in Catastrophe Modeling and Risk FinancingOctober 2015, Marsh Insights, Fundamentals of Cat Modeling2010, CAS Catastrophe Modeling Workshop. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Annual U.S. severe weather insured losses for 2021 are jumping above $20 billion after a rough October, even before the year is complete, according to a new Aon report. These original bulletins are available in PDF format. View actions considered by committees, task forces, and subgroups, as well as charges, schedules, and staff links. Catastrophe codes issued in calendar year 2014. PDF Community-based Catastrophe Insurance Here are a few of the ways we help you in the event of a catastrophic claim. Living in same house 1 year ago, percent of persons age 1 year+, 2017-2021. Single Losses. %PDF-1.3 % (2) Combines materials, equipment and labor, but does not include the value of the land or lot. Based on the estimated probability of loss, they can estimate a range of direct, indirect, and residual losses. TDI is seeking only property insurance information for the 2021 winter weather event. Catastrophe codes issued in calendar year 2013. As such, modelers also began to incorporate the impact of secondary losses from super catastrophes into their models. Answers regarding health care law and insurance. Fighting wildfires with innovation. Key metrics provided by a probabilistic catastrophe model include the Exceedance Probability (EP) curve, the Probable Maximum Loss (PML), and the average annual loss (AAL). (4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines. (2) Adjusted for inflation by Aon using the U.S. Consumer Price Index. Models are increasingly using combinations of economic and sociological modeling to incorporate loss amplification resulting from these additional factors. Catastrophe models have been rapidly evolving since their introduction in the 1980s. Several buildings were damaged along with their contents and thirty seven military vehicles completetely destroyed. January 1, 1998, please use the Catastrophe Bulletins section above. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Catastrophe Resource Center - National Association of Insurance In these instances, when there is no way to ascertain whether the parameters or distributions are correct, the models incorporate informed judgement and subjectivity. Report claims resulting from the winter weather event regardless of when the damage was discovered. Access to every published model law, regulation, and guideline. Aban drilling, loss of Rig off the coast of Venezuela, Boeing737-800, registration: VT-AXV, Air India Express operating flight IX823 Dubai to Mangalore overshot runway 24 on landing, 22 May 2010, Flooding in Southwest and Southeast Queensland, for damage in the period 1 March to 5 March 2010, Melbourne severe storm event, for damage occurring on 6 March 2010, Perth severe weather, for damage occuring on 22 March 2010, Saudi Arabian Airlines Warehouse fire, 10 June 2010, which damaged or destroyed a large proportion (or all) of the insured's aircraft and ground equipment spares stored at the warehouse, Airbus aircraft, registration APBJB, operated by Air Blue, on a flight from Karachi to Islamabad, crashed into the Margalla Hills north of Islamabad on landing, 28 July 2010. ZIP codes included in data callReporting formTexas Catastrophe Event Statistical Plan for Personal and Commercial Risks (statistical plan). A list of catastrophe contacts for each state can be found by clicking on the following link: . Catastrophe models have been rapidly evolving since their introduction in the 1980s. Western European floods, affecting Switzerland, Austria, Hungary, Germany etc. Insurance Catastrophe Resilience Report 2020-21 Released September 2021 The Insurance Council of Australia's Insurance Catastrophe Resilience Report: 2020-2021provides a data-driven overview across five events declared Insurance Catastrophes by the ICA between October 2020 and June 2021. This would be likely to increase the complexity of models and propel demand for more transparent and flexible models. the Catastrophe Insurance Working Group of the NAIC published the Catastrophe Computer Modeling Handbook in January 2001. . Policy Laws, Unfair Claims Practices Acts; the PCS Claims Digest; HELP The aircraft is a constructive total loss. Research + Data | III Hurricane Andrew and Insurance: The Enduring Impact of an Historic Storm. To: The ICAs second annual Insurance Catastrophe Resilience Report uses insurer data and insights to review the last 12 months of extreme weather events and advocate for changes to reduce the impact of future events. Hurricanes since Katrina have highlighted the impact additional factors can have on losses, such as demand surge, evacuation, sociological risks, and political influence. Having a problem with an insurance company or agent? UK storm/flood/freeze/losses in NW England, N. Ireland and Scotland, Fire damage to BHN complex, offshore India, Helios airlines Boeing 737 crash near Athens, Air France Airbus over-ran runway at Toronto International Airport, Heavy rainfall and floods affecting Maharashtra state and the Mumbai area of India, West Caribbean Airways Boeing MD82, HK4374X, crashed en route Panama City, Panama-Fort-de-France, Martiniquwat Machiques, Venezuelawith 152 passenger and 8 operating and supernumerary crew fatalities.
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