“…Furthermore, many of the existing catastrophe insurance analyses focus on residential insurance coverage and neglect the important aspect of commercial insurance. There is a small body of literature on organisational recovery in the wake of a disaster, in which insurance plays a part (Dahlhamer and Tierney, 1996, Wasileski, Rodriguez, and Diaz, 1999, Alesch et al, 2001, Tierney and Webb, 2001, Chang and Falit-Baiamonte, 2002, Tierney, 2006, Powell and Harding, 2009, Stevenson, Seville, and Vargo, 2011a, Whitman et al, 2014. But there is little insurance-specific data analysis.…”