When Hurricane Wilma headed toward the southeast coast of Florida with sustained winds of 125 miles per hour, there was a sense of disbelief and weariness among policyholders, insurance company officials, claim adjusters, and state officials. After withstanding the damage from four major storms in 2004, and three large storms in 2005, the reality of another hurricane's making landfall in the state appeared beyond all probability. As Senate Banking and Insurance Chairman Rudy Garcia (R.-Hialeah) remarked at a recent committee meeting, "No one could have imagined eight storms in two years."

That sense of disbelief, however, was quickly dispelled by the reality that, out of the eight storms, Wilma was poised to be the most destructive. Similar to the experience of Louisiana in the immediate aftermath of Hurricane Katrina, when Wilma initially struck Florida, there was a sense that the state had dodged a bullet. Instead of coming ashore in the highly developed coastal cities of Fort Myers or Naples, Wilma made landfall on the eastern edge of the Florida Everglades. The problem was that the marshy swamplands of the Everglades provided no geographic features that would significantly diminish the hurricane's fury. As a result, Wilma retained most of its strength as it crossed the mainland and into Palm Beach, Broward, and Miami-Dade counties, which have the state's largest concentration of population and property exposure.

As with any hurricane, two main concerns arise: addressing the immediate needs of the state's citizens and preparing the groundwork to adjust claims and start the rebuilding process. Hurricane Wilma was a large storm that affected a widespread area of the state with some locales seeing extensive structural damage, while other cities and counties went weeks without electricity. "A majority of the substations of Florida Power and Light were damaged, and along the east coast the power line poles snapped like toothpicks," said Garcia.