With the hurricane season off to an early start and a prediction for more activity in 2016 than in recent past years, is the insurance industry prepared if a major hurricane strikes the United States, or has it grown complacent after enjoying 10 years without a major strike and three years since Sandy’s onslaught in 2012?

From a claims-paying standpoint, there is little doubt that homeowners insurers and commercial property insurers are able to respond in the event of a major catastrophe.