Someone recently said, “What a decade 2021 is turning out to be!” Considering everything that 2021 has thrown at us so far – the COVID-19 pandemic, volcanic ash debris from St. Vincent’s La Soufriere volcano and severe weather conditions – it sure seems like 2021 has been around much longer than just a few months. But, as dangerous as natural disasters and other disruptive events can be, there is another dangerous element that can threaten the livelihood of property owners. That dangerous element is “underinsurance”!