Why was there a payout for Dominica and St. Lucia after the November 2007 earthquake ...

Most of the losses inflicted on Jamaica, St. Lucia and Dominica as a result of Hurricane Dean were to the agricultural sector which is specifically NOT covered in the CCRIF modelling (as it is not a direct cost to government). Also, the 20-year deductible for hurricanes is much higher (in terms of the dollar value of losses) than for earthquakes, hence the policy will trigger a payment for a smaller overall loss from an earthquake as opposed to a hurricane in almost all countries, with Trinidad & Tobago being the only exception (because of its high earthquake risk). Lastly, there were losses in both St. Lucia and Dominica as a result of the earthquake, with both governments providing certification that such losses occurred, thus meeting policy requirements.