In February 2021, a severe onset of winter in the United States brought about arctic temperatures – even in states like Texas, which actually never experience freezing temperatures. Destroyed buildings and business disruptions caused insured losses of $ 15 billion. Storm Bernd, which caused severe flooding in North Rhine-Westphalia and Rhineland-Palatinate in July, is also not cheap for insurers with around seven billion euros. And Hurricane Ida, which recently hit the United States, will cost the industry up to $ 35 billion, not including damage from record flooding in New York City. Insurers will be called upon to pay correctly in 2021, and therefore also reinsurers, with which insurers insure themselves against major claims.