By John Ammendola, president, personal lines, Grange Insurance

Storm season is here, and according to The National Oceanic and Atmospheric Administration (NOAA), weather losses have been above-industry average since 2008, with more than $11.5 billion in losses in 2012 alone. When this weather volatility first entered the scene a few years ago, many carriers thought implementing rate increases would allow them to quickly return to profitability. But over time, the industry proved that this action alone would not save carriers, agents or their policyholders.

All of this activity has forced the industry as a whole to adapt, placing more of an emphasis on meaningful partnerships between carriers and agents.

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