Is the Twin Peaks regulatory model still right, given Hurricane Melissa? This question was raised in an earlier article. Behind it was another: would the outcome for citizens whose properties and income were covered by insurance be in a better or worse financial position, compared to their uninsured colleagues, assuming that framework was in place when the Category 5 hurricane struck? The answer, positive or negative, would be one measure by which the value of that tool could be judged in the context of the regulator’s mission in one of the industries it supervises.