Usually, the Federal Emergency Management Agency assesses storm damage and insurance and gives homeowners a check, leaving them to arrange the work.
At the forefront of this perfect storm, and the ensuing insurance debacle, is Florida.
Holloway believes that is due, in large part, to the high cost of insurance after the storm.
They lost power for a week and suffered storm damage not covered by their insurance.
But, as Mr Storm sees it, selling car insurance, personal pensions or protection for a North Sea oil rig are entirely different things.
His firm, and others like it, are starting to turn out computer models that can estimate for an insurance company the cost of a storm even before it happens.
If a bad storm struck, Mr Lento explains, he could collect an insurance cheque and leave the city.
The Federal Emergency Management Agency told Congress on Tuesday the flood insurance program was nearly out of money to compensate storm victims and required new authority to borrow more money to meet its obligations.
Storm victims have filed about 140, 000 Sandy-related flood insurance claims, but many have not been fully paid out, US emergency officials have said.
She said she believed some people might simply save the money they would have used to elevate their homes and spend that on insurance that would help them to rebuild after the next storm.
We've increased and extended unemployment insurance for 12 million Americans to help them weather this economic storm -- and that's benefited over 220, 000 Virginians.
Conservative investing and disciplined underwriting helped insurance biggie Chubb ( CB) ride out the recent financial storm better than a number of its property-casualty rivals.
Putting some money in their pockets. (Applause.) We're extending and increasing unemployment insurance for 12 million Americans to help them weather this economic storm.
Because the system runs in real-time, insurance companies can change their plans and priorities as often as a storm changes course.
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Overall, however, the industry "has done a fantastic job in adjusting the claims in the aftermath of this unprecedented storm, " said Gary Henning, the northeast region vice president of the American Insurance Association.
Mr Storm's firms have the second-largest share of America's life-insurance market (after Prudential).
Those who could afford to buy insurance would be less reluctant to leave their homes in the face of a storm, and more public money would then be available to help the destitute.
Or what an insurance agent in the field does to pre-assess potential damage from an oncoming storm.
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There will undoubtedly be wrangling between insurance adjusters, homeowners and the feds over what water damage was due to the storm, and what is attributable to the rising flood.
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