The Callaway Insurance Company insures many coastal homes in Georgia, Florida, and Louisiana. During one particularly severe hurricane season, there were three catastrophic events that affected the policy holders of Callaway. In a period of two weeks, claim volume was five times higher than normal. In response, Callaway’s management suspended the claim settlement authority of producers so that all claimants would deal with a Callaway employee. Callaway also added some new survey and checklist forms to its claim handling procedures to help ensure that all catastrophe victims received fair treatment. Finally, Callaway authorized advance payments to policyholders who needed additional living expenses because of property loss. Which of these actions would you have recommended? Justify your answer.