After several years of relative calm, the hurricane season hit this year with fury. Damage estimates for Hurricane Charley alone exceed $20 billion with billions more still being calculated from Frances, Ivan and Jeanne, and new storms are lining up in the tropics for their turn to assault the Carribean Islands and U.S. mainland. Fortunately, most businesses are insured against such catastrophic loss. Unfortunately, securing a full recovery requires a great deal of work, the right team to prepare the claim, the right strategy for dealing with the insurance company, and dogged determination to secure every last dollar of coverage. Anything less could well result in a recovery of far less than the policyholder is entitled to.