When Hurricane Katrina slammed into the Gulf Coast in 2005, it caused death and catastrophic damage in Louisiana and surrounding states despite weakening to Category 3 just before landfall.

The storm also was a turning point for how the insurance industry assessed the potential for hurricanes to cause extensive damage, not just from wind but from storm surge combined with catastrophic flooding due to the failure of the levee and floodwall systems in New Orleans.

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Advances in technology, such as video surveillance and remote sensors, can improve causation analysis in insurance claims, said Joshua Gold, a shareholder in law firm Anderson Kill’s New York office.

“Back in 2005, that evidence understandably was lacking on a lot of occasions, especially with residential policyholders. In 2025, we’re probably better situated to have more video evidence, more sophisticated data points that we could rely upon if we’re going to have this dichotomy of analysis as to what is actually causing the damage,” he said.

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