Article: Hurricanes' effects could show up in insurance rates.

Katrina, Wilma and Rita--whose wicked winds crushed buildings and lives across the southern United States--are expected to inflict more collateral damage in the form of higher insurance rates.

Some businesses, especially those with a lot of property to insure--especially close to bodies of water--may find it advantageous to renew insurance policies before Jan. 1, even if it means canceling a current policy, said Robert Lawrence, a senior vice president at Marsh Inc.'s Norwalk office.

"Sometimes it's in a client's best interests to cancel (a policy) and rewrite, so that even if a policy is due in March, do that now," he said. "Finalizing renewals now can ...

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