Close to four months after Hurricane Wilma put her exclamation mark on a tortuous and record-setting hurricane season, the future of the insurance marketplace remains as uncertain as the rebuilding of damaged homes and businesses.

While there are some clear indications as to where some lines of business are going, brokers in the excess and surplus lines market find they are working hard to place business and to understand insurers' appetites for risk throughout the Gulf region.

Still, there are opportunities for carriers willing to bet on the region's future growth prospects, they say.

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