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Superstorm Sandy, which made landfall on October 29, 2012, was the third most costly natural catastrophe in U.S. history, causing $18.75 billion in property losses. More than 1.58 million private insurance claims, primarily under homeowner’s policies, have been filed as a result of Sandy. In addition, 127,000 flood claims totaling $7.1 billion have been filed with the National Flood Insurance Program.

Regulators, insurance carriers, policyholders, and attorneys have learned a great deal since Sandy hit. Leigh Ann Pusey, president and chief executive officer of the American Insurance Association (“AIA”), summarized her thoughts in a statement: 

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