(Reuters) - The deadly start to the 2012 tornado season is forcing insurers to reconsider the risks of coverage in the most storm-prone parts of the United States and industry insiders say they may have to rethink how they handle the underwriting of the reoccurring natural disasters.

Unfortunately, homeowners may find themselves either paying substantially higher rates or not having insurance at all, as insurers try to manage their exposure to what is clearly a growing concern by diversifying geographically and tightening their standards.

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