As we wrap up another eventful and informative year of “On Point” episodes, your host Peter van Aartrijk details the front-seat view he had of Hurricane Helene as it came ashore in St. Petersburg, Fla. Disasters are macabre events to watch from afar. But up close? In a word, surreal. Peter, his family and neighbors experienced what many Americans have witnessed amid fires, earthquakes, floods and convective storms. Put simply: The impact is devasting financially and emotionally. Moreover, Helene is a sad reminder of the lack of overall consumer trust in the basic insurance product and process. The mistrust and misunderstanding is deep. Combined with other factors in and out of the industry’s control, the situation is simply depressing for this four-decade insurance writer, observer and communications guy. On this recording Peter also provides some preparation reminders for natural disasters — assuming you have some advance warning — as well as advice during cleanup.

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