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Tom calls the three hurricanes in the southeast United States in 30 days, costing between $15-20 billion, a wake up call for the industry. If companies are going to write business in wind-exposed areas like Florida and Texas, they should be prepared to pay claims. As a result of the regional hurricanes, Tom predicts the market will tighten up. Homeowner and commercial business will be impacted as well, while standard markets will take business back from surplus markets.