The portfolio manager at Durham Insurance has reviewed the monthly homeowners report, which indicates the loss frequency in three territories exceeds projections by 30%. A review of claims data indicates that a serious windstorm early in the year caused extensive damage in the area. Which one of the following would most likely be the portfolio manager's next step in her analysis? 

A Make adjustments to underwriting guidelines and pricing for the homeowners policy taking into consideration regulatory requirements 

B Begin to issue nonrenewals for all homeowners policies covering properties located in those three territories 

C Use catastrophe modeling to estimate future average annual loss potential and/or probable maximum loss in those territories

D Request inspections on all insured homes and updated credit based insurance scores on all insured in those territories