National Underwriter: According to Carl Hedde, senior vice president and head of risk accumulation for Munich Reinsurance American Inc., catastrophe losses in the United States have been “tame” compared to the rest of the world, but the country has suffered significant catastrophe losses that, compared to the past 20 years, have outpaced losses in the past. Among losses the nation has seen so far in 2010, he said thunder storms have resulted in 28 fatalities and $3 billion in insured losses; winter storms …