JERSEY CITY, N.J., February 15, 2022 Private U.S. property/casualty insurers saw a $5.6 billion net underwriting loss in the first nine months of 2021, as non-catastrophe losses returned to pre-pandemic levels, according to a report by Verisk (Nasdaq:VRSK), a leading global data analytics provider, and the American Property Casualty Insurance Association (APCIA). Access technology tools and resources for U.S. insurance regulators. Top 10 Costliest Natural Catastrophes, United States (1) ($ 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. In other instances, CBCI can offer the community The catastrophe numbers reserved for identifying ELEs are 11 through 99. This will probably bring an additional demand for trained catastrophe model and risk-management experts. Some plans cover more services. 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. Catastrophe codes issued in calendar year 2013. "October is typically . Sources of residual loss include demand surge, labor delays, and inflation in material costs. Subject to change as loss estimates are further developed. Envision | Velocity | Life Solutions Customer Forum. Please return the form to ISO at TXCatStatAgent@verisk.com. Catastrophe models incorporate advancing technology, scientific insight, engineering methods, and statistical data analysis to model complex scenarios and events. 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. It is frequently used in pricing and ratemaking to evaluate the catastrophic load. 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. Your tax credit is based on the income estimate and household information you put on your Marketplace application. Find out if you qualify for a Special Enrollment Period. (2) Combines materials, equipment and labor, but does not include the value of the land or lot. Access forms, tools, and resources for individuals and organizations to file forms, improve efficiency, and remain compliant. information about program content, session descriptions, and conference Stay on top of all the latest news impacting the insurance marketplace and understand the innovations, trends and insights on the changing risk landscape. They also cover at least 3 primary care visits per year before youve met your deductible. Flooding of the Susquehanna River, New York, Ethiopian Airlines B737-800, ET-ANB flight number ET409, crashed into the sea of Beirut shortly after take off in bad weather 25 January 2010, US snowstorms and winter weather, affecting Eastern Seaboard, USA. Includes hurricanes that occurred through 2021. Companies not shown in either list are not required to report data. UK adverse weather from 5 December 2013 including storms, high winds and flooding following storms. Access forms and tools to file expense reports, review grant and zone scholarship balances, and travel guidelines. European storm Xynthia, affecting Spain, Portugal, France, Belgium, Germany etc. 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. 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. 7500 Security Boulevard, Baltimore, MD 21244. Join the best minds in the market - access the expertise, knowledge and insights to protect and develop your business. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. (2) Includes any direct physical damage or direct net loss business interruption costs. $(a8 &. Browse our timeline to learn how we support insurance regulators in their mission to protect consumers and ensure fair and healthy insurance markets. Any questions about registering with ISO should be sent to TXCatStatAgent@verisk.com. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service. Severe Weather Summaries contains daily descriptions of severe Enhancing Financial Protection Against Catastrophe Risks: The Role of Catastrophe Risk Insurance Programmes Format Analysis Source. The PCS catastrophe serial number lets insurers track losses and reserves related to a single discrete event. Includes Puerto Rico and the U.S. Virgin Islands. What Catastrophic plans cover. (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. 38,933. 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. 2023: 2318: 18: 02/02/2023: 02/05/2023: Flooding, Freezing, Hail, Ice, Snow, Wind : 2022: 2273: 73: 12/21/2022: 12/25/2022: Flooding, Freezing, Ice, Power Outage . Find and access the services you need to do your job. Heavy rainfall and ensuing flodding in Thailand from early October 2011, and ongoing. In addition, many reinsurance contracts use PCS serial numbers to determine which losses will trigger reinsurance coverage. Answers regarding health care law and insurance. Documents exposed by various committee workgroups. Includes Puerto Rico and the U.S. Virgin Islands. . Living in same house 1 year ago, percent of persons age 1 year+, 2017-2021. Subject to change as loss estimates are further developed. All listed companies showing an "X" in either the Property, Auto, or All Other columns on TDI's list of companies must report data to ISO. If you qualify to buy a Catastrophic plan, youll see them displayed when you compare plans in the Marketplace. Stop.Call.Confirm is a registered service markof the National Association of Insurance Commissioners. The building codes of . Medical providers' reimbursements for no-fault insurance were generally limited to 200% of Medicare rates for the same service or . The Insurance Council of Australias Insurance Catastrophe Resilience Report: 2020-2021 provides a data-driven overview across five events declared Insurance Catastrophes by the ICA between October 2020 and June 2021. 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 . Several buildings were damaged along with their contents and thirty seven military vehicles completetely destroyed. Subject to change as loss estimates are further developed. Catastrophe codes issued in calendar year 2011. Claims Information Services contains information from the PCS Catastrophe Management Manual including Adjuster Licensing Laws, Valued Policy Laws, Unfair Claims Practices Acts; the PCS Claims Digest; HELP Bulletins; and other specific regulatory and legislative information. Aircraft was subsequently destroyed by post impact fire. ISO's Property Claim Services (PCS) unit is the internationally It may be used to obtain repair quotes. (3) State had no tornadoes in 2022. Select a state or jurisdiction for insurance department contact information. These original bulletins are available in PDF format. 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. 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. details. Specialized Support Catastrophe Response Catastrophe Response When a natural disaster or other catastrophic event hits, Travelers helps you manage your claim and recover. On March 23, 2021, the Capital Adequacy (E) Task Force met to discuss various issues. For more information, contact: TWIA's 2021 Annual Report, covering the period . 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. Claims will be triaged to direct urgent assistance to the worst-affected property owners. Air France, A330 200 registration F-GZCP lost over Atlantic Ocean, Yemenia Airbus A310-300, registration 70-ADJ, crashed while en route from Sana'a in Yemen to Moroni in the Comoros Islands on 30 June 2009. %PDF-1.3 % Households with a computer, percent, 2017-2021. This global risk profile is assessed by way of AIR's global industry exceedance probability (EP) curve, which puts into context years with high insured Find contact information for insurance departments and local insurance agents, or file a complaint. 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. Recent advancements in a variety of fields have provided more accurate risk assessment as extreme weather events and other perils become increasingly prevalent. Access to every published model law, regulation, and guideline. 3.57. (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. Spanair MD82, EC-HFP (named Sunbreeze) crashed on take off from Barajas Airport, Madrid on 20 August 2008. Discover the breadth of the Lloyds marketplace and find the experts to support your risk - whatever the size and complexity. A scope of works is a document that sets out what damage to your property is covered by your insurance policy. Aeroflot Nord B737-500, registration VP-BKO on 14 September 2008. PCS Catastrophe Conference provides the most the Catastrophe Insurance Working Group of the NAIC published the Catastrophe Computer Modeling Handbook in January 2001. Mitigation and Building Code Workshop - March 2021. The codes are not intended to bind underwriters or their reinsurers, but are merely to assist underwriters in identifying the various interests involved. Map of all ZIP Codes in Utah. Turkish Airlines B737-800, Registration TC-JGE crashed near Amsterdam Schiphol, 20 February 2009. Totals for the United States do not match totals shown elsewhere by the National Interagency Fire Center due to the use of different exhibits. Tropical Cyclone Debbie. 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. impact of catastrophes through selected reports and search criteria. Combined ratios for 2022 and 2023 are projected to be 98.9, and 99.3, respectively. Exclusive, industry-focused manuals, data, and more. 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: Computer and Internet Use. Examples of indirect loss are loss of use, additional living expenses, and business interruption. Related Content: Feb. 21, 2021: US Homeowners Insurance May Return to Underwriting Gains in 2021 Call for data collection for the February 2021 Texas winter weather event. and Event Tracking Reports provides the latest information on 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 . forecasts, satellite and radar maps. For 2021, the combined ratio is likely to increase to 99.6, according to forecasts by the Insurance Information Institute (Triple-I) and Milliman. Insurers mobilise their disaster response specialists to assist their affected customers with claims and assessments as soon as emergency services say it is safe to do so. PCS FlatCat Submission informationCompanies must send all reports to TDI's statistical agent, Insurance Services Office, Inc. (ISO). XCS will enter this code when requested by leaders to do so. tropical storms and land-based events. A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. into your own system. (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 tax credit you can use to lower your monthly insurance payment (called your premium) when you enroll in a plan through the Health Insurance Marketplace. 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. Tornadoes affecting the USA between 20 and 27 May 2011, including Joplin, Mo. Hb```f`` For catastrophe bulletins pertaining to catastrophes that occurred after The scope of works is a list of home building repair works for your insurance claim. 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. Based on the estimated probability of loss, they can estimate a range of direct, indirect, and residual losses. However, the resolution of some perils, such as flood, is still evolving. 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. As of January 2023. Catastrophic health insurance plans have low monthly premiums and very high deductibles. Daily The report also provides an update on community recovery from the Black Summer and outlines six policy changes that insurers believe are necessary to improve the preparation for and response to future natural disasters. Discover our suite of tools and technologies to support your business needs. These modules are event, hazard/intensity, vulnerability, and financial. the end of 1997. ISO needs reporting insurers that have not yet registered with ISO to complete the attached form to set up the appropriate credentials for statistical reporting. Discover our framework to drive change and promote accountability in our workplace. (1) Ranked by total number of tornadoes. Home Insurance Catastrophe Resilience Report 2021-22. OECD; Posted 19 Oct 2021 Originally published 19 Oct 2021 Origin . Claims Open models allow components to be more visual and accessible to users. Losses arising from Flooding in Queensland from 26 December 2010, Windstorm Klaus, affecting France and Spain. 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. Loss of Germanwings Flight 9525 over the French Alps on 24 March 2015. (3) Apartments, condominiums and multi-unit dwellings. Bulletins delivers bulletins by Catastrophe numbers selectable DeadlineThe first report for data as of February 28, 2021, is due March 31, 2021. 2,000 filed claims or homes and structures damaged. Policy Laws, Unfair Claims Practices Acts; the PCS Claims Digest; HELP 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. The Insurance Council of Australias second annual Insurance Catastrophe Resilience Report highlights the impact of climate change on the availability and affordability of insurance due to worsening extreme weather. Subject to change as loss estimates are further developed. Model advancements are frequently driven by events revealing deficiencies in a model. These include doctors services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. 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. They are intended to inform users on where future events are likely to occur and how intense they are likely to be. ZIP codes included in data call Reporting form Severe storm crossed over Amsterdam Schipol Airport and Woensdrecht Airfield in the Netherlands. In these instances, when there is no way to ascertain whether the parameters or distributions are correct, the models incorporate informed judgement and subjectivity. They are subject to change as loss estimates are further developed. Single losses, Catastrophe codes issued in calendar year 2002, Catastrophe codes issued in calendar year 2001, Catastrophe codes issued in calendar year 2000, Catastrophe codes issued in calendar year 1999, Catastrophe codes issued in calendar year 1998, Catastrophe codes issued in calendar year 1997, Catastrophe codes issued in calendar year 1996, Catastrophe codes issued in calendar year 1995, Catastrophe codes issued in calendar year 1994, Catastrophe codes issued in calendar year 1993, Lloyds and Corporation of Lloyds are registered trademarks of the Society of Lloyds, Lloyds is authorised under the Financial Services and Markets Act 2000, Floods, landslides and sinkholes, California, USA - in the period 1 January 2023 and ongoing, Earthquakes in the middle east in the period 6 February 2023 and 8 February 2023, Earthquakes in the middle east in the period 6 February 2023 and affecting Turkey, Earthquakes in the middle east in the period 6 February 2023 and affecting Syria, Storm Dudley, affecting the UK and Europe in the period 16 and 17 February 2022, Storm Franklin, affecting the UK and Europe in the period 20 and 21 February 2022, Eastern Australia Floods (QLD & NSW) in the period 23 February and 7 March 2022, Hurricane Fiona, affecting the Caribbean and Eastern Coast of North America in the period 18 September 2022 to ongoing, Hurricane Ian commencing 27 September 2022 and ongoing, Hurricane Ian commencing 28 September 2022 and affecting Florida, Hurricane Ian commencing 28 September 2022 and affecting Georgia, Hurricane Ian commencing 28 September 2022 and affecting South Carolina, Losses directly arising from Russias invasion of Ukraine, commencing February 2022 (i.e. The PML is the annual probability a certain loss threshold is exceeded. Domestic and international policy and outreach initiatives. 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 NEW YORK, Aug. 17, 2021 - The insurance industry ended 2020 profitably, with a combined ratio of 98.7. 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. The Working Group also maintains theNAICCatastrophe Computer Model Handbook. Cyclone Yasi - 2-3 February 2011, affecting Queensland, New Zealand earthquake affecting Christchurch and surrounding area on 22 February 2011, Japanese earthquake and ensuing tsunami, 11 March 2011. Our three-year blueprint for the future shows the way toward building on existing strengths. As of February 2, 2022. The aircraft is a constructive total loss. Explosion at a blast furnace, Dearborn, MI, near Detroit, USA. Bulletins; and other specific regulatory and legislative information. ICA disaster response specialists are mobilised to the affected location to work with government agencies, emergency services, local agencies and affected policyholders. UK. (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. Issue : A catastrophe model (or "cat" model) is a computerized process that simulates potential catastrophic events and estimates the amount of loss due to the events. 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. To: Includes Puerto Rico and the U.S. Virgin Islands. 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.