While the very first case of infection by coronavirus will probably never really be accurately known, by the 31st of December 2019 the city Municipal Health Commission of Wuhan, a city in central China which lay at the junction of dense industrial and trade networks, reported an outbreak of cases of pneumonia. A new kind of coronavirus was subsequently identified. By mid-January, the first recorded cases were confirmed outside of China, starting with Thailand. On January 22, the WHO mission to China issued a statement stating that there was some evidence of human to human transmission, but more investigations were needed.
The year 2020 came with a mixed bag of devastating surprises in the form of hurricanes, wildfires, a pandemic, and more. It has affected almost every industry; even insurance. Climate change is on a fast track that has led to sky-high costs of repairs or rebuilding homes. Insurance can cover water damage or fire-related damages, but with caveats.