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Hurricane Sandy has displaced Hurricane Irene as the costliest hurricane to affect the northeastern United States since the last time Digital Insurance checked in with the Insurance Information Institute on the costliest hurricane claims events in U.S. history. Insurers' response to catastrophe events is getting more sophisticated all the time, with drones saving adjusters time and protecting their safety, and analytics and mobile communications combining to alert policyholders of incoming dangers. For the purpose of these rankings, insured damages do not include those covered by the National Flood Insurance Program, and are not adjusted for inflation.