By Geoff Williams (Reuters) - Last year, Natalia Esparra, then 34 and a new bride, learned that something had gone wrong with her photographer's memory card and that all of her wedding photos had disappeared. Three recovery companies looked at the memory card, the backup hard drive and the laptop, but only 98 photos -- none with the wedding party in them -- were salvaged. "It was absolutely devastating," says Esparra, a veterinary technician in San Francisco.

By Bill Cotterell TALLAHASSEE, Florida (Reuters) - The Florida Senate sent Governor Rick Scott a bill on Thursday designed to reduce the state's exposure to catastrophic financial losses from a hurricane by gradually steering homeowners away from the state-run Citizens Property Insurance Corp. The Senate had earlier backed a tougher bill that would have charged new Citizens enrollees much higher premiums, but it backed down after the House of Representatives passed its own measure protecting consumers from price hikes.

Hannover Re, the world's third-biggest reinsurer, said on Tuesday it was holding to its full-year forecasts for 2013 even though its bottom-line net profit fell in the first three months. "Based on the good start to the current financial year and the prevailing market climate, Hannover Re is looking to a successful 2013 financial year," the reinsurance giant said in a statement. "We anticipates group net income for the full year in the order of 800 million euros ($1.04 billion).

Munich Re, the world's biggest reinsurer, said Tuesday it is standing by its full-year targets for the current year after the first three months "went very well." "The first three months of 2013 went very well for Munich Re group-wide," the reinsurer said in a statement. It posted net profit of 979 million euros ($1.3 billion) in the period from January to March, an increase of 25.2 percent year-on-year. Chief financial officer Joerg Schneider attributed the improvement to "lower claims burdens from major losses, but group operating earnings also proved to be robust.