The preliminary runs of the CCRIF tropical cyclone loss model for wind and storm surge produced government losses for The Bahamas-Central and The Bahamas-South East due to Tropical Cyclone Melissa, and therefore Melissa is designated as a Loss Event1 for The Bahamas-South East and The Bahamas-Central.

By 28 October, Melissa further strengthened and turned north-northeastward, approaching Jamaica. By 1200 UTC, the entire island was experiencing tropical-storm-force winds, with hurricane-force conditions affecting parts of the southern and southwestern regions before and during landfall, which occurred near New Hope, Westmoreland around 1700 UTC.

The runs of the CCRIF CWUIC model produced losses greater than zero for Montserrat Utilities Limited (MUL) under its CWUIC policy due to this rainfall event. The losses for MUL are below the Attachment Point of its CWUIC policy and therefore this occurrence is designated as a Loss Event for Montserrat. Therefore, no payout is due under the Utility’s policy.

This event briefing describes the impact of rainfall on Montserrat which was associated with a Covered Area Rainfall Event (CARE) starting on 16 October and ending on 18 October 2025. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Montserrat’s Excess Rainfall policy, and therefore no payout is due to the Government of Montserrat. This CARE did not activate the Wet Season Trigger1 endorsement of Montserrat’s Excess Rainfall policy and therefore no payout under this endorsement is due.

The runs of the CCRIF CWUIC model have produced losses greater than zero for Montserrat Utilities Limited (MUL) under its CWUIC policy due to Tropical Cyclone Jerry. The losses for MUL are below the Attachment Point of its CWUIC policy and therefore Jerry is designated as a Loss Event for Montserrat. Therefore, no payout is due under the utility’s policy.

The runs of the CCRIF CWUIC model have produced losses greater than zero for Dominica National Water and Sewerage Authority (DOWASCO) under its CWUIC policy due to Tropical Cyclone Jerry. The losses for DOWASCO are below the Attachment Point of its CWUIC policy and therefore Jerry is designated as a Loss Event for DOWASCO. Therefore, no payout is due under the utility’s policy.

This event briefing describes the impact of rainfall on Montserrat which was associated with a Covered Area Rainfall Event (CARE) starting on 10 October and ending on 10 October 2025. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Montserrat’s Excess Rainfall policy, and therefore no payout is due to the Government of Montserrat. This CARE did not activate the Wet Season Trigger1 endorsement of Montserrat’s Excess Rainfall policy and therefore no payout under this endorsement is due.

This event briefing describes the impact of rainfall on Dominica which was associated with a Covered Area Rainfall Event (CARE) starting on 10 October and ending on 10 October 2025. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Dominica’s Excess Rainfall Policy, and therefore no payout is due to the Government of Dominica.

This event briefing describes the impact of rainfall on Belize which was associated with a Covered Area Rainfall Event (CARE) starting on 7 October and ending on 9 October 2025. The Rainfall Index Loss (RIL) for the Covered Area Rainfall Event was below the attachment point of Belize’s Excess Rainfall policy, and therefore no payout is due to the Government of Belize. This CARE did not activate the Wet Season Trigger1 or Localized Event Trigger2 endorsement of Belize’s Excess Rainfall policy and therefore no payout under either of these endorsements is due.