The old adage says that nobody can predict the weather, but one thing seems certain: based on the past several years, extreme weather conditions are becoming more frequent.

The property-casualty insurance industry paid out $1.6 billion in March 2013 because of thunderstorms, tornadoes, and hail; $1.2 billion in April for tornadoes, heavy storms, ice, and a winter storm; and $3.2 billion in May because of thunderstorms, hail, and tornadoes, according to Neil Alldredge, senior vice president of state & policy affairs for the National Association of Mutual Insurance Companies (NAMIC).

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