As Texas thaws in the wake of winter storm Uri's polar winds, insurers throughout the state are steeling themselves for an avalanche of claims from across the spectrum of insurable losses.  According to some estimates, the storm caused upwards of $90 billion dollars in losses in Texas—of which $18-20 billion are likely insured. Not only are many households and businesses making claims for property damage caused directly by the deep freeze—burst pipes, spoiled produce, collapsed roofs, damaged equipment, lost livestock, auto collisions, business interruption, etc.—but a recent flurry of storm-related lawsuits and government investigations indicates that some commercial insureds may have substantial third-party claims under their liability policies.