Hurricane Harvey made landfall as a Category 4 storm Friday affecting millions in the Houston area, the fourth largest city in the U.S. The losses could run into the tens of billions. This scale of loss also creates huge challenges for the insurance industry.

But the world has changed pretty dramatically from the days when a carrier had to mobilize all employees to answer phones, physically go inspect every claim, and handwrite drafts. Technology today can help carriers provide a faster response, a more personalized response, and to do it with fewer people.

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