Core Insights - The insured costs of Hurricane Melissa's damages in Jamaica are estimated between $2.2 billion and $4.2 billion, primarily due to wind and flood damage [1][2] - Less than 20% of residential properties in Jamaica are insured, with many lacking sufficient coverage, indicating a significant financial burden on residents [2] - Hurricane Melissa, classified as a Category 5 storm, had winds reaching 185 miles per hour (298 kilometers per hour) and is noted as one of the most intense storms to impact the region [2] - The hurricane caused extensive damage, destroying 80% to 90% of roofs in certain neighborhoods, with some areas experiencing total roof destruction [3] - The storm resulted in 28 fatalities in Jamaica, as reported by the nation's prime minister [3]