http://ezinearticles.com/?What-Is-Demand-Surge-And-Its-Implications-For-Policyholders?&id=9380165 2741009234941582512-blid-1243877471720097678

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Demand surge is defined as the demand for products and services exceeding the regional capacity to efficiently supply them. Demand surge is a common phenomena post-disaster - the results can be dramatic and it is important that policyholders are aware of the concept and what it could mean for them when it comes to negotiating with their insurer.