As the frequency and severity of natural catastrophe (CAT) events increase, a new normal is transforming both the standard CAT season and the loss-adjusting industry. But what trends are impacting CAT claims, and how are adjusters responding? Photo credits (left to right): Craig Ruttle; Shutterstock.com; bilanol/Adobe Stock; and cherylvb/Adobe Stock
Catastrophe (CAT) seasons are increasingly complex to navigate, especially with the surge of non-stop rain and freeze events outside these pivotal periods. What was once a predominately hurricane-focused season has now diversified into more regular, regional weather-related perils, such as windstorms, massive snowfalls and freezing conditions.
From the floods in New Zealand this year to the winter storms in Texas, the type and scope of incidents we manage globally are challenging the historical focus on the North Atlantic hurricane season. In the United States, we typically mark the CAT season from June 1 to November 1, often preparing for hurricane events. However, the last five years have seen a significant shift in this pattern, with an influx of wind claims, flood losses and extraordinary snowfall over the year.
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