Abstract: A system and method for receiving claims information for a CAT event, the claims information including a number of claims for the CAT event, receiving a plurality of variable modifiers for a response to the CAT event by an insurance company, wherein the variable modifiers include an output of at least one sub-model having a defined sub-model time period, running a model simulation of the response to the CAT event by the insurance company based on the claims information and the plurality of variable modifiers, wherein the model simulation is based on a defined model time period that is different from the defined sub-model time period and outputting results of the simulation.