insurance catastrophe codes 2021insurance catastrophe codes 2021

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. In 2021, individuals with Part D plans will pay a minimum of $9.20 for a brand-name medication and $3.70 for a generic drug (or 5% of retail costs, depending on which is higher), according to the . Discover the breadth of the Lloyds marketplace and find the experts to support your risk - whatever the size and complexity. 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. Discover our framework to drive change and promote accountability in our workplace. The Academy also develops and upholds actuarial practice standards, qualification requirements, and the Code of Professional Conduct for all actuaries practicing in the United States. List of ZIP Codes in West Valley City, Utah; ZIP Code: ZIP Code City Name: Population: ZIP Code Type: 84044: Magna: 26524 . %PDF-1.3 % Catastrophe codes issued in calendar year 2013. 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. XCS will enter this Cat Code when requested by leaders to do so. West Valley City, Utah ZIP Codes - Map and List . Ranked on insured losses in 2021 dollars. 2021 Insurance Council of Australia Limited. Includes Puerto Rico and the U.S. Virgin Islands. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service. An insurance industry taskforce is established to identify and address insurance related issues arising from the natural disaster. (1) Includes Puerto Rico. Many catastrophe bonds and industry loss warranty issuers choose the PCS Catastrophe Loss Index because PCS: 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. 2021 Insurance Council of Australia Limited. Information Services contains information from the PCS (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. 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. Help in disasters - Insurance Council of Australia Emergency Services | Code3insurance | United States That decision allowed those who had suffered catastrophic injuries to resume receiving the sort of care they'd gotten prior to the new fee schedules going into effect in July of 2021 . Arch Capital Group warned that it will experience Q1 2021 pretax catastrophe losses ranging from $180 million to . ZipData Maps. Insurance Catastrophe Resilience Report 2021-22 Tornado affecting Oklahoma City and environs, Central European flooding following heavy rainfall in Germany, Austria and the Czech Republic, and possibly other areas, Flooding following heavy rainfall in Alberta, Asiana Airways 777-200ER Registration HL 7742 crash landing at San Francisco International Airport. Transocean MODU Deepwater Horizon - Explosion and resultant sinking off the coast of Louisiana from 20 April 2010. 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. NEW YORK, Aug. 17, 2021 - The insurance industry ended 2020 profitably, with a combined ratio of 98.7. Research and analysis on important insurance issues. Aeroflot Nord B737-500, registration VP-BKO on 14 September 2008. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Here are a few of the ways we help you in the event of a catastrophic claim. US-Catastrophe Analyzer Tool (US-CAT) ISO Electronic Numerical Listings of Classification Codes, Verisk Announces Sale of 3E Business to New Mountain Capital, is a recognized worldwide authority on property catastrophe losses, is committed to serving the global insurance and reinsurance industry, has more than 60 years experience identifying catastrophes and compiling proprietary catastrophe loss estimates, provides insurers and reinsurers, through license agreements, use of PCS catastrophe information to help with their financial needs. NCCI Catastrophe Code 12 - Use or Lose It Class Code (Of Sorts) The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers. For automobile lines of insurance, report all claims with accident dates from February 11 through February 19. As a consequence, in excess of 50 aircraft sustained varying degrees of damage. U.S. Severe Weather Insured Losses Surpassed $20B - Insurance Journal by date, state and perils. Catastrophe codes issued in calendar year 2016. Aircraft has been declared a total constructive loss. Find contact information for insurance departments and local insurance agents, or file a complaint. Weather conditions were adverse with monsoon rain and poor visibility. Catastrophe Management Manual including Adjuster Licensing Laws, Valued 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. Includes Puerto Rico and the U.S. Virgin Islands. A list of catastrophe contacts for each state can be found by clicking on the following link: . Includes Puerto Rico and the U.S. Virgin Islands. P-51D Mustang, registration N79111 crashed into a grandstand at the Reno Air Races, Nevada, USA, killing 11 people and injuring at least 69. Cat Model Basics:Cat models are designed to quantify the financial impact of a range of potential future disasters. Turkish Airlines B737-800, Registration TC-JGE crashed near Amsterdam Schiphol, 20 February 2009. The PCS catastrophe serial number lets insurers track losses and reserves related to a single discrete event. Representatives from diverse groups who provide varied perspectives on insurance regulatory issues. DeadlineThe first report for data as of February 28, 2021, is due March 31, 2021. Submission informationCompanies must send all reports to TDI's statistical agent, Insurance Services Office, Inc. (ISO). data for the ZIP codes listed. PCS | The Trusted Index for Insured Catastrophe Losses | Verisk have occurred on a monthly and quarterly basis, along with periodic news Natural Catastrophes By Quarter, 2022 (1) (2022 $ 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. Developments and trends in financial markets and insurer investments. Utah Building Codes | UpCodes Insurers should contact ISO even if the company does not have any claims to report for the winter weather event. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Related Content: Feb. 21, 2021: US Homeowners Insurance May Return to Underwriting Gains in 2021 Any questions about registering with ISO should be sent to TXCatStatAgent@verisk.com. Select a state or jurisdiction for insurance department contact information. You will soon be redirected to the 3E website. Home; Utah ZIP Codes; Salt Lake ZIP Codes; Map of West Valley City, Utah ZIP Codes; Map of ZIP Codes in West Valley City, Utah. 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. Catastrophic health insurance plans have low monthly premiums and very high deductibles. 2023 Open Enrollment is over, but you may still be able to enroll in 2023 health insurance through a Special Enrollment Period. 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). After you spend the deductible amount, your insurance company pays for all covered services, with no, Like other plans, Catastrophic plans cover certain. In other instances, CBCI can offer the community Aircraft was subsequently destroyed by post impact fire. As of January 2023. You can customize, analyze, and integrate the data right They may be an affordable way to protect yourself from worst-case scenarios, like getting seriously sick or injured. EP is the likelihood that a loss greater than or equal to a determined amount will occur in the coming year. History Reporter provides information about the cumulative 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. (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. Natural Catastrophe Losses In The United States By Peril, 2022 (1), Natural Catastrophes By Quarter, 2022 (1), Estimated Insured Property Losses, U.S. Natural Catastrophes, 2013-2022 (1), Top 10 Costliest Natural Catastrophes, United States (1), Facts + Statistics: Tornadoes and thunderstorms, Facts + Statistics: Earthquakes and tsunamis, $25 million or more in insured property losses. NAIC Center for Insurance Policy and Research (CIPR). the end of 1997. US Property Casualty Insurers See Record Losses from Texas Storms Assumptions are made either about specific values of the parameters (deterministic) or the probability distribution of parameters (stochastic). (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. A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible. . The cost controls and 56-hour rule took effect in July 2021. Our sophisticated tools allow us to actively monitor weather and claim activity so we can act. Catastrophe Codes Codes can be allocated to a single loss occurring on a specified date or to a single loss incurred over a number of days. Issue:A catastrophemodel (or cat model)is a computerized process that simulatespotential catastrophic events and estimates the amount of loss due to the events. 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. forecasts, satellite and radar maps. However, higher resolutions bring higher uncertainty and sensitivity in modeled results. As of January 2023. They are subject to change as loss estimates are further developed. Access public conference call documents and information. information about program content, session descriptions, and conference In addition, the section below provides state catastrophe rankings, followed by information on the following types of disasters: (1) Hailstones one inch in diameter or larger. Texas Windstorm Insurance Association - TWIA Catastrophe Models (Property) - National Association of Insurance Hb```f`` Aerocarribbean S.A. ATR 72, registration CU-T1549, crashed 4 November 2010 during a domestic flight in the remote area of Sancti Spiritus, Cuba. These companies will still be required to respond to TDI's bulletin as provided in the statistical plan. Copyright 2023, Insurance Information Institute, Inc. Explore recent publications, the latest news articles, new federal and legislative news, and model laws to help inform your approach. ***. Box 12030, Austin, TX 78711 | 512-676-6000 | 800-578-4677, Texas Catastrophe Event Statistical Plan for Personal and Commercial Risks (statistical plan), State Auditor's Office Hotline: 800-TX-AUDIT. PDF Catastrophe Exposures and Insurance Industry Catastrophe Management Find and access the services you need to do your job. Catastrophe codes issued in calendar year 2010: Catastrophe codes issued in calendar year 2009: Catastrophe codes issued in calendar year 2008: Catastrophe codes issued in calendar year 2007: Catastrophe codes issued in calendar year 2006: 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. These original bulletins are available in PDF format. They also allow for more efficient model validation and verification. Model advancements are frequently driven by events revealing deficiencies in a model. It is frequently used in pricing and ratemaking to evaluate the catastrophic load. offers all PCS catastrophe information through a single source thats easy to use. (3) Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. One topic that arose was how there are three different kinds of CAT models that deviate from the vendor models: (1) internal CAT models; (2) vendor CAT models with adjustments or different weights; and (3) derivative models based on the vendor models. If you qualify to buy a Catastrophic plan, youll see them displayed when you compare plans in the Marketplace. The global Catastrophe Insurance market size is projected to reach multi million by 2030, in comparision to 2021, at unexpected CAGR during 2023-2030 (Ask for Sample Report). 3.57. Stop.Call.Confirm is a registered service markof the National Association of Insurance Commissioners. ZIP codes included in data call Reporting form Map of all ZIP Codes in Utah. Catastrophe codes issued in calendar year 2011. catastrophe insurance mechanisms. Discover tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life. Hurricane Ingrid affecting Gulf of Mexico between 12 and 17 September 2013, Hurricane Manuel affecting Mexico between 13 and 19 September 2013, Typhoon Haiyan (Yolanda) affecting Philippines, Eastern Samar, South China Sea, Vietnam etc between 8 November 2013 and 11 November 2013, Cold weather/freeze affecting USA and Canada starting from 30 December 2013 and including storm on 2 January 2014 and ongoing, including what has been called "Polar vortex storm", Losses arising from the grounding and partial capsize of 'Costa Concordia' off Isola del Giglio, Italy, Tornadoes affecting Ohio Valley, including Alabama, Indiana, Kentucky and Ohio - 2-3 March 2012, Mexican earthquake at Oaxaca, Mexico (16.493 n 98.231), Tornadoes affecting Central Plains including Oklahoma, Italian earthquake in Northern Italy (44.920 n 11.330 e), Italian earthquake at Medolla, Italy (44.833 n 11.103 e), Tropical Storm/Hurricane Isaac - 22 August 2012 and ongoing, Hurricane Sandy Provisionally from 24 October 2012 (Caribbean) and ongoing. Catastrophe All Rights Reserved. Explore our open opportunities for your chance to join our team. Catastrophe modeling: A vital tool in . Furthermore, the NAIC Climate and Resiliency Task Force will continue to evaluate and review approaches to address climate risks, catastrophe modeling, and mitigation, and to identify sustainable solutions within the industry. Companies should review the statistical plan, specifically Section 4, to determine which lines it must report. Catastrophe Codes - Lloyd's News provides reports that summarize catastrophe losses that The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible. The nationwide aggregate reinsurance cover will offset $184 million of losses. Background on: Climate change and insurance issues. 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). Unique to prior hurricanes, Katrina in 2005 resulted in more losses from secondary flooding than the original wind generated catastrophe. Infographic: Hurricane Deductibles. Access forms and tools to file expense reports, review grant and zone scholarship balances, and travel guidelines. Source: National Interagency Fire Center. As of January 2023. 40.1%. PCS estimates are widely accepted as triggers in many traded financial market instruments, including exchange-traded futures and options, catastrophe bonds, catastrophe swaps, industry loss warranties (ILWs), and other catastrophe derivative instruments. Access technology tools and resources for U.S. insurance regulators. Health Insurance Marketplace is a registered trademark of the Department of Health and Human Services. The General Insurance Code of Practice sets out the standards that general insurers must meet when providing services to their customers, Insurance Catastrophe Resilience Report 2021-22. While individual hurricanes and earthquakes tend to produce higher losses, tornadoes account for a major share of catastrophe losses because of their frequency. Companies are required to report data for all lines listed under the statistical plan. Research + Data | III As of February 2, 2022. RISKS SOLUTIONS SUPPORT & TRAINING INSIGHTS ABOUT US ALERT Envision 2023 at the Verisk Insurance Conference Join us in Scottsdale, AZ, April 11-14 Register today recognized authority on insured property losses from catastrophes in the PCS FlatCat The NAICCatastrophe Insurance (C) Working Groupof theProperty and Casualty (C) Committeeserves as a forum for discussing issues and solutions related to catastrophe models. 146 passengers and 6 crew perished. ZIP codes included in data callReporting formTexas Catastrophe Event Statistical Plan for Personal and Commercial Risks (statistical plan). Typhoon Hato, commenced 20 August 2017, affecting Hong Kong, Macau and South China, Hurricane Harvey, commenced 24 August 2017, affecting Texas, Hurricane Harvey, 30 August 2017, affecting Louisiana, Hurricane Irma, 1 September 2017 to 10 September 2017, affecting Caribbean and non-US mainland, Hurricane Irma, 10 September 2017, affecting Florida, Storm Irma, commencing 11 September 2017, affecting Alabama, Storm Irma, commencing 11 September 2017, affecting Georgia, Storm Irma, commencing 11 September 2017, affecting South Carolina, Hurricane Maria, 17 September 2017, affecting Caribbean, Mexico Earthquake, 19 September 2017 - central Mexico, Mexico City, states of Puebla and Morelos and surrounding areas, Hurricane Nate, commencing 5 October 2017, affecting non-US and US mainland, Hurricane Nate, commencing 7 October 2017, affecting Louisiana, Hurricane Nate, commencing 7 October 2017, affecting Mississippi, Northern California wildfires commencing 8 October 2017, Atlas Fire - Lake Berryessa and affecting Napa County commencing 8 October 2017, Tubbs Fire - Calistoga and affecting Santa Rosa region commencing 8 October 2017, Thomas wildfire, Santa Barbara and Ventura Counties, commencing 4 December 2017, Japan, Kumamoto Earthquake between 14 and 16 April 2016, Wildfire - Fort McMurray, Alberta, Canada commencing 1 May 2016, Texas Hail event commencing 10 April 2016, Losses arising from flooding in the US state of Louisiana commencing 12 August 2016, Losses arising from the 'Blue Cut' wildfire in San Bernadino County, California commencing 16 August 2016, Hurricane Hermine, commenced 2 September 2016, Typhoon Meranti, also known in the Philippines as Typhoon Ferdie, commenced 8 September 2016, Hurricane Matthew, commencing 29 September 2016 - for alllosses occurring in other states/locations not listed below, Hurricane Matthew - for losses occurring in Caribbean, Hurricane Matthew - for losses occurring in Florida, Hurricane Matthew - for losses occurring in Georgia, Hurricane Matthew - for losses occurring in North Carolina, Hurricane Matthew - for losses occurring in South Carolina, Hurricane Nicole, commencing 4 October 2016, New Zealand Earthquake (magnitude 7.8), South Island near Hammer Springs, 14 November 2016. A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. However, the resolution of some perils, such as flood, is still evolving. All 7 crew and 61 passengers perished in the incident. AIR Worldwide | Catastrophe Modeling and Risk Assessment Sign In Contact AIR Worldwide is now Verisk. PCS Catastrophe Conference provides the most 3 things to know before you pick a health insurance plan, The health plan categories: Bronze, Silver, Gold & Platinum, Health insurance plan & network types: HMOs, PPOs, and more, Your total costs for health care: Premium, deductible & out-of-pocket costs, hardship exemption or affordability exemption, Monthly premiums are usually low, but you cant use a. 7500 Security Boulevard, Baltimore, MD 21244. (2) Includes any direct physical damage or direct net loss business interruption costs. Daily In these instances, when there is no way to ascertain whether the parameters or distributions are correct, the models incorporate informed judgement and subjectivity. Aon defines a catastrophe as a natural event that causes any of the following: Aons natural catastrophe estimates include Puerto Rico and the U.S. Virgin Islands and include losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program.
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