When a storm puts a tree branch through your roof, or a flood damages your foundation, you turn to your insurance company to pay for the repairs. And when it’s only one, or two, or even 10 claims, insurance can cover the costs, no problem. But when it’s an entire city? An entire state? The price of paying all of those claims at once can sometimes be enough to not only bankrupt the company, but to collapse the economy of an entire region.