The year of the Hurricanes along both coasts in 2017 taught the insurance industry a lot.  They learned that a large number of individuals and businesses had no insurance whatsoever; too few insured’s had flood insurance; that technology helped expedite claims; that social media is a valid form of communication; that enforced building codes result in future disaster cost savings; that too few insured’s had the necessary comprehensive automobile coverage needed to cover the loss of their vehicles; that insurance is essential to local economies; and that by having a loss mitigation system in place, recovery can be achieved faster. 2017 also brought an increased wave of wildfires due to the rise in properties being built in or near the more-wildfire prone wildlands of Georgia, North Carolina, Pennsylvania and Texas. Having sufficient insurances in place for fire and following many of the same pre-mitigation approaces used for flood, insurers hope to rein in the risk from this second most common natural disaster.