Over the past two hurricane seasons, Florida has weathered the impact of eight major storms that have caused billions of dollars in losses and left untold numbers of citizens coping with damaged homes and the dislocation that comes in the aftermath of a major storm. Hurricanes Jeanne, Charley, Frances, and Ivan alone caused damage to one out of every five homes in the state. And the experts all agree that Florida is likely to see similar hurricane seasons for some years to come.

However, in contrast to previous decades, insurers and homeowners are no longer completely at the mercy of storm damage. For among the lessons learned in the last two hurricane seasons is that the tough statewide building codes passed by lawmakers in the 1990s, and the evolution of mitigation techniques, are working to protect property and reducing the dollar amount of damage.

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