Even before the first claim comes in for damages from Hurricane Irma, Florida insurance companies were braced for losses.

Insurers headquartered in the Tampa Bay area, including HCI Group (NYSE: HCI), Heritage Insurance Holdings Inc. (NYSE: HRTG) and United Insurance Holdings Corp. (Nasdaq: UIHC) — which collectively employ hundreds of people — are among the companies most likely to feel the impact, along with state-run Citizens Property Insurance Corp., Universal Insurance Holdings Inc. (NYSE:…

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