Letter to the Editor | P&C industry remains vigilant about NatCats  

To the Editor,

I recently read your editorial published Mar. 24, 2026, and found it quite interesting.

I just wanted to share my point of view on the matter, being someone who has been in claims for 20 years. I have worked on NatCats most of that time.

Respectfully, I think this framing of NatCat priorities is missing an important counterview.

Your editorial assumes that because NatCats dropped in priority on the broker survey and IBC reshuffled its lobby priorities, the industry has ‘forgotten’ about climate change planning. I don’t believe survey rankings and industry association critical talking points are the same thing as actual industry focus related to NatCat preparedness.

Having adjusted property claims for 20 years, my perspective is that the panic years of heavy Cats aren’t when real progress happens.

During a record Cat season, everyone involved in insurance is running around with their hair on fire, addressing what’s changed since the last large event. Carriers are scrambling to close files, adjusters are buried, everyone is trying to digest all the new data, and the ‘climate conversation’ at the top becomes mostly reactive, not proactive.

The quiet years are actually when real progress happens. That’s when carriers retool their scoping guidelines, analyze successes, and study shortcomings. That’s when adjusters train on new estimating workflows and efficiencies. That’s when brokers sit down with clients and walk them through coverage gaps and potential future mitigation, instead of just processing the next catastrophe claim in the stack.

So maybe a better question isn’t, “Why did climate concerns slide to seventh on a broker survey?” but rather, “Did the industry use 2025’s breathing room to actually get better at handling what’s coming next?” Because another record year is coming. That’s not a prediction, that’s just the reality we all know.

I don’t think the real problem is short attention spans. Claims experience tells me that even when NatCats are Number 1 on every priority list, the operational side of the industry still struggles with many of the same basics — adjuster shortages, inconsistent scoping, dynamic repair pricing, and underprepared policyholders. Ranking it higher on a survey has yet to fix any of those shortfalls.

If we want to measure whether the industry ‘remembers,’ don’t look at the priority rankings, look at claims results, cost controls, and insureds’ satisfaction. That’s where correctly addressing key issues can be measured.

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Sincerely,

Hamid Razavi