doc_text: US INSURERS expect to pay out an estimated Dollars 7.3bn (Pounds 3.7bn) in Florida as a result of Hurricane Andrew - by far the costliest disaster the industry has ever faced.
  The figure is the first official tally of the damage resulting from the hurricane, which ripped through southern Florida last week.
  In the battered region it is estimated that 275,000 people still have no electricity and at least 150,000 are either homeless or are living amid ruins.
  President George Bush yesterday made his second visit to the region since the hurricane hit.
  He pledged the government would see through the clean-up 'until the job is done'.
  Although there had already been some preliminary guesses at the level of insurance claims, yesterday's figure comes from the Property Claims Services division of the American Insurance Services Group, the property-casualty insurers' trade association.
  It follows an extensive survey of the area by the big insurance companies.
  Mr Gary Kerney, director of catastrophe services at the PCS, said the industry was expecting about 685,000 claims in Florida alone.
  It is reckoned the bulk of the damage - over Dollars 6bn in insured claims - is in Dade County, a rural region to the south of Miami.
  However, the final cost of Hurricane Andrew will be higher still.
  Yesterday's estimate does not include any projection for claims in Louisiana, which was also affected by the storm, although less severely than Florida.
  An estimate of the insured losses in this second state will be released later this week.
  But on the Florida losses alone, Hurricane Andrew becomes the most costly insured catastrophe in the US.
  Hurricane Hugo, which hit the east coast in September 1989, cost the insurance industry about Dollars 4.2bn.
  The Oakland fire disaster, in California last year, cost Dollars 1.2bn.
  By contrast, insurance claims resulting from the Los Angeles riots earlier this year - the most expensive civil disturbance in the US - totalled just Dollars 775m. Hurricane Andrew leaves the US property-casualty insurers facing their worst-ever year for catastrophe losses.
  The LA riots and a series of tornadoes, wind and hailstorms in states such as Kansas, Oklahoma and Iowa had already produced insured losses of Dollars 3.9bn.
  With Florida's Hurricane Andrew losses added in, the total rises to Dollars 11.2bn.
  This easily exceeds the record Dollars 7.6bn of catastrophe losses seen in 1989, when the industry paid out on both Hurricane Hugo and the Loma Prieta earthquake in California.
  Wall Street, however, has reacted calmly to the record losses expected, and insurers' shares - although lower initially - have been firming recently.
  The property-casualty industry is thought to have adequate reserves to cover the disaster.
summary_text: Industry authorities say US insurers expect to pay an estimated $7.3 billion for Hurricane Andrew claim damage in Florida.
  This amount does not include projected costs for claims in Louisiana.
  On Florida claims alone, Andrew becomes the costliest single insured catastrophe in US history.
  In total, projected Andrew claims will exceed the record $7.6 paid out in 1989 for Hurricane Hugo ($4.2 billion) and the Loma Prieta earthquake in California.
  The Los Angeles riots earlier this year, the most expensive civil disturbance ever, cost $775 million.
  The property-casualty industry is thought to have adequate funds to cover the Hurricane Andrew disaster.