How will Hurricane Sandy affect Insurance companies?

Hey guys I am trying to figure out how the storm will affect the insurance companies in the market as a school project and had a few questions for the experts.

Which insurance companies got hit the hardest from Hurricane Sandy?

I know that insurance companies keep a pool of money to deal specifically with natural disasters. Do you think that this storm caused more or less damage than they anticipated?

Do you think insurance companies will be hurt overall from the storm or will they be able to make a recovery by hiring rates?

Thank you in advance, any help is greatly appreciated?

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