Cedric Stephens | Melissa exposed gaps: Better governance, claims metrics, and deadlines.

When Hurricane Melissa tore through Jamaica last year, the devastation was swift and merciless. Roofs were ripped away, livelihoods disrupted, and communities left scrambling to restore some semblance of normality. Amid the chaos, one truth emerged with startling clarity: people showed up, but insurance providers, for the most part, were missing in action.