From our own recent experiences in Jamaica, we know how devastating natural disasters, particularly hurricanes, can be for the economy, infrastructure and people, especially those on the social and economic margins. Yet, there are benefits, though they may not accrue equally or at all to everyone or group.

Among people who tend to fare better are people who have adequate and relevant insurance, people who know available benefits and how to access them promptly, people who are quick to spot business opportunities, people who have the skills that are generally in demand for reconstruction efforts, and people who can draw on support networks, both locally and from family abroad.

Insurance makes it possible to rebuild, make repairs, improvements, and even upgrades of properties, often resulting in houses with stronger roofs, more attractive designs, electrical rewiring, and safer and more valuable homes.