There‘s no doubt that years of experience come in handy when you‘re a member of an insurance company‘s catastrophe or "cat" team sent in to process property/casualty claims after a disaster. But even the most seasoned "cat team" veterans are discovering that the terrorist attacks of Sept. 11, 2001, are unlike anything they have ever encountered.

"This is Oklahoma City magnified 100 times."

"It‘s a totally different ball game," says Jim Howard, manager of The Hartford Financial Services Group‘s cat team that has set up shop in Shelton, Conn., approximately 75 miles from New York City.