Grateful: Home Builder's Assoc. Strong Ally in Insurance Reform

by Ana Maria

My heart danced with great joy and I burst out in smiles all over the place the other night. I had received the email announcing the great news that the National Association of Home Builders has endorsed Congressman Gene Taylor’s multiple peril insurance policy proposal. This is a big victory for home and business owners. The NAHB is an incredible ally in helping to restore the financial security many of us believe we have when we buy home or business owner insurance policies.

Taylor and his wife Margaret lost their home in Katrina, were denied wind-related damages, and had to hire Dickie Scruggs to fight their insurance company. A Democrat who represents South Mississippi, Taylor and his staff have worked tirelessly on insurance reform. The news about the homebuilders is a welcome addition to the team, I’m sure.

How fantastic that a major, important, and mainstream player in our nation’s economy “gets it.” The National Homebuilders Association understands the crippling negative economic impact of requiring home and business owners to purchase insurance-in-name-only. The impact? Financial ruin for the individual homeowner or business owner and for all the connecting businesses as well, connecting businesses like . . . homebuilders, developers, architects, contractors, electricians, plumbers, carpenters, painters, bricklayers, and so on and so forth.

Their announcement is a great shot of energy that even I felt when I read the article. I’ve been here only six months, yet I’m already experiencing some energy shifts, what one person referred to as the 6-month burnout. Well, I’m not burn out. I am frustrated as hell, though.

I like to get things done. Period. Figure out what needs doing, set my mind to doing it, and begin moving heaven-hell-and-earth to get it done. In no time flat, voila! It’s done no matter what impossibilities may have been required to overcome.

Katrina Land is a different kettle of fish, however. Like many others, I want to do more, but the reality of the enormity of the obstacles astounds me. Help and leadership that would have been here, say, eight or nine years ago, is no where to be found. The brazen abandonment by those leaders upon whom we depend in national or natural emergencies remains shocking, the stinging betrayal unrecognizably unfathomable.

Six years ago today, our entire nation experienced the devastation that we now refer to simply as 9-11. The loss of life profound. The impact on those families immeasurable. Nationally, we felt vulnerable in ways we had not ever before felt.

This week’s 60 Minutes aired a piece titled The Dust At Ground Zero. Yes, today, many first responders and others suffer from breathing in air that the Bush Administration declared safe. Another Bush betrayal in the face of a national emergency.

The Katrina-ravaged region remains a national emergency. When Bush brags about the billions appropriated to the Katrina region, he fails to mention how much remains in the pipeline hung up by his own executive branch politics and bureaucratic red tape that he could clear—if only he wanted to. Instead, he comes to the area for his annual photo op, speaks his niceties and another round of empty promises, and goes to his next stop to do the same. His is a betrayal of pretension.

That’s the kind of betrayal that the insurance industry has imposed upon us nationally as American consumers of residential and business policies. When an insurance company sells policies that fail to do what we pay our good money for it to do, then the insurance company commits betrayal through pretension.

While it may ultimately come as no surprise that Bush’s corporate buddies in the insurance industry betrayed us, the emotional and financial reality of this betrayal has upended our lives permanently in much the same devastating way as 9-11 upended the nation.

I know that insurance is one of those boring, mundane, non-sexy aspects of our lives. There’s nothing all that dramatic about it, except when we don’t have it. Don’t have it, for example, because when our good neighbor sold wind damage insurance to us, we didn’t realize that we when we needed it most we would not be in good hands after all.

Our good neighbor in whose good hands we had hoped to be should something befall us, had apparently pretended to sell us the financial security we desired. Our money went to secure the industry’s $108 billion profits in 2005-2006, but not to secure our homes and businesses.

Fortunately, help has begun to arrive. For this, we are grateful. The announcement that the National Association of Home Builders is joining forces with Speaker Nancy Pelosi (D-CA), and Majority Whip Jim Clyburn (D-SC), and Congressman Gene Taylor (D-MS) creates a stronger foundation to achieve real financial security for America’s home and business owners. As we all move forward together to do our part to solve this financial security crisis, those are good hands to be in.

© 2007 Ana Maria Rosato. All rights reserved.

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Normalcy Long Overdue in Katrina-Ravaged Region

by Ana Maria

Two days ago, Mississippi voters in the Democratic Primary ousted Insurance Commissioner George Dale, whose cozy relationship with Big Insurance became his electoral albatross. Surely less than a year ago, Dale anticipated his re-election bid to retain the normalcy he had experienced over the last three decades of running for office.

The campaigns for newly-elected Democratic nominee Gary Anderson and his Republican opponent will recuperate from the primary, then redirect their efforts for the usual hustle and bustle of a general election, which will be held this November. Even inside the chaotic nature of every election campaign, there is a sense of normalcy to that chaos—at least for those of us who’ve been in a few.

Here inside the Katrina-ravaged region, we’re still struggling to return to a sense of normalcy. At Katrina’s ground zero, we still have Wal-Mart as our only grocery store for at least a 30 minute ride in any direction. Insurance companies continue to low ball, delay, and fight tooth and nail to break their legal contracts to pay on legitimate wind damage claims. Reliable, solid, and reasonably priced contractors to repair homes are still miraculous to find. FEMA continues to jerk around municipalities.

Jobs are scarce. More scarce are employees. More scarce still? Housing.

Even hotels are difficult to find. On reflection, that makes sense. When Big Insurance decided not to pay wind damage claims for its wind policy customers, it did screwed over all customers—including the hotels.

What is easy to find are the stories of how folks survived in those first few weeks after Katrina hit.

Turning Family Homes into Hotels and Restaurants
Yesterday, I spoke with a young woman who was going into her senior in high school two years ago when Katrina hit. She works as a concierge at one of the local casino resort hotels that re-opened recently. She is working at the hotel as she goes to the local university.

When I encouraged her to stay in school, she looked me squarely in my eyes and said, “Don’t worry. I was valedictorian of my class. I have every intention of getting my degree.” Good. I asked how her family made out in the storm.

She said that her family lives in Guatier (go-sheyah), Miss., near a river, but the family home only had a few shingles fly off their roof. No other damage. Fortunately, her dad owns a local roofing business so repairing was a breeze. Given the family’s relative fortune in coming out of the worst natural disaster, I asked how many people ended up staying at their place.

Notice, I didn’t ask whether they opened their home. I didn’t ask if anyone had asked to come stay with them. Given the innumerable stories that I’ve heard since returning home in March for my, uh, short surprise visit that has since extended past the few weeks I had intended, I knew that it wasn’t a matter of whether, but how many stayed with them.

The young college student told me that after Katrina, her family helped everyone clear out yards and streets. For at least a month, and maybe six weeks, after the storm, though, they didn’t have any electricity. She said that sometimes they were cooking for 50 people—breakfast, lunch, and dinner. They didn’t know how many or who would show up much less when. It was like running a hotel.

Amazing.

My cousin Eric was living in Slidell at the time Katrina hit. Slidell is 30 minutes east of New Orleans and 30 minutes west of Bay St. Louis, Miss.,--one of the three tiny beach towns that comprise Katrina’s ground zero. When the New Orleans levees broke, parts of Slidell flooded. Eric and his immediate family did ok. His older brother, Chip, who lives in Diamondhead, Miss., just a bit up the road from the western part of the Gulf Coast, lost everything. Recently, Eric shared with me part of his post-Katrina story.

One Big Garage Sale—With a Twist
Like the young woman’s family in Gautier, Eric and his wife Lisa had opened their home to Katrina survivors never knowing how many would be eating with them at breakfast, lunch, or dinner. Fortunately, Lisa is a great cook and loves cooking. Eric said it was like running a restaurant because they had to cook big batches of everything.

Every room in his home housed survivors—including a woman in the last month or two of her pregnancy. He felt badly because the better beds were upstairs which she had to climb for the more comfortable sleeping quarters.

Eric holds a leadership position in an international Catholic prayer circle dedicated to Medjugorje. He put out a call to those members who live on the west bank of New Orleans, because they didn’t get hit by either Katrina or the levee breaks. With creative flare, he asked for everyone to clear out their garages. If it isn’t being used, donate it to those who lost so much in Katrina.

Calls poured in. On his lunch hour, after work and on the weekends, Eric would go pick up furniture, baby clothes, appliances, or whatever people had and networked to give it to those who in need.

He said that he had learned of a very elderly African American lady—around 90 years old, if I recall correctly—who had 15 family members in her home, but she had no stove to cook the meals. A call came in about a brand new stove sitting in someone’s garage waiting to be installed in the house. The family decided that the old stove was fine, and they could donate the stove to the effort.

Eric had one lady tell him that she needed a bed. But the catch was that her husband was a BIG man requiring a king sized bed. Oooo. That’s gonna be a tough one. He told her to pray for it. He had not even reached his home when a call came in—someone had a king-sized bed. Did he know who could use it?

Eric regaled me with story after story similar to that one. In one instance, a mother told Eric that just before the storm, she had just finished decorating her young daughter’s room with everything Shortcake and how devastating losing it had been on her daughter. Now the woman was clearly just sharing with my beloved cousin part of her family’s Katrina story.

Yet, before he knew it, he got a call from a woman who told him that her daughter had outgrown her bedroom, which had been decorated in everything Shortcake. Did he know of anyone that could use it?
Around Christmas time, Eric’s boss approached him asking what he is doing on his lunch hour. He had been watching Eric—a longtime, valued employee—dart in an out for a few weeks. So Eric told him of the garage-emptying project he started. The boss was impressed, of course. What did he do? Noting that Christmas was coming up, he asked how he could best help provide for those families. Eric said “gift cards.”

If I recall correctly, the boss put out an email to all the employees. The company ended up donating piles of $25 gift cards, which Eric and his merry band of friends personally delivered to various families so that the parents could shop for their kids. One woman, whom I’m sure represented the reaction from many recipient, simply cried when Eric handed her the package of gift cards tied neatly with a pretty ribbon. She said that she had no idea how to provide some normalcy in her children’s lives. She thanked him profusely.

Another lady opened her door when Eric knocked. She listened as he said what he was there to drop off. He handed her the gift cards wrapped in pretty ribbon, and without a word, she closed the door. Months later, she got word to him that she was so stunned, so in shock, that she couldn’t say a word. She, too, was grateful for the sense of normalcy the gift cards would bring to her children at Christmas.

Normalcy? What normalcy?
We’re just shy of the two-year anniversary from any sense of normalcy here in the Katrina-ravaged region.

Those who live in New Orleans are suffering because of the levee break and the breakdown in our federal government, which has utterly failed to live up to its obligation to the American people.

Those who live outside of New Orleans, but inside Louisiana—such as those in Slidell, and those of us who live anywhere along the 50 miles of the Mississippi Gulf Coast and into Alabama, also yearn for normalcy.

A sense of normalcy. That is what everyone here yearns for. Anytime some small effort is put forth, all one has to do is take a drive down beach boulevard in Bay St. Louis and Waveland, Miss., then cross the bridge and continue down highway 90 from Pass Christian through Long Beach, Gulfport, Biloxi, and Ocean Springs. The stairs leading to no where represent homes that have not been able to be rebuilt. Same with the slabs that are cleared of debris but overgrown with weeds. And the steel beams standing erect waiting for the walls to be returned to their pre-Katrina place.

For all of us here, a sense of pre-Katrina normalcy is long overdue.

As I hear of all these wonderful, arms wide-open stories of folks making do and doing more than good enough to get through this ongoing crisis, I keep thinking why in the living heck George Bush and the vast resources at his fingertips didn’t and still doesn’t bother to lift much of a finger to restore a sense of normalcy.

Oh, I see.

I forgot to look carefully at which finger he and his administration were collectively lifting.



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Gary Anderson Wins: Post-Katrina Justice Rules!!

by Ana Maria

In a gloriously magnificent upset electoral victory, Democratic candidate Gary Anderson defeated George Dale 51-49% to become Mississippi’s first African American Democratic nominee for Insurance Commissioner. Anderson’s pro-consumer position resonated throughout the state sending George Dale packing after 32 years in office.

Just two years after Hurricane Katrina ravaged the Mississippi Gulf Coast, voters from the three coastal counties definitively voted for Anderson in a sharp slap in the face to George Dale who had come to epitomize Big Insurance. The three tiny beach towns comprising Katrina’s ground zero reside in Hancock and Harrison counties. Voters in those counties cast ballots for Gary Anderson at a rate of 69% and 82% respectively. Jackson County, which is Mississippi’s third county on the eastern end of the Gulf Coast, voted for Gary Anderson over incumbent George Dale at a rate of 76%. Voter revenge? You bet.

Anderson’s appeal to rededicate the state’s insurance commissioner position to the tradition of protecting consumers from the ravages of Big Insurance resonated throughout the state. For example, 67% of voters cast their ballots for Anderson over Dale in Hinds County where George Dale lives. The state’s capitol city of Jackson is in Hinds County, which is in the middle of the state. The Clarion Ledger, Jackson’s daily newspaper, endorsed Dale. Ooops! By a wide margin, voters must have ignored the paper’s perspective that they’d be in good hands with Ol’ George.

Of course, George Dale did his best to convince voters that his primary job was to prop up insurance companies rather than protecting policyholders. George Dale told voters that Katrina was “the worst natural disaster in U.S. history . . . and put an undue burden on insurance companies.”

Mississippi voters cast their ballots which reflected their agreement with Maurice "Hank" Greenberg, the “billionaire insurance titan” who stated "We are in the insurance business. We are in the risk business. And if you start taking away every risk that industry is exposed to, then what do you need an insurance company for?"

Licking their Wounds
We can count on the Dale campaign spending endless hours commiserating over what went wrong . . . with the campaign. What it will not do is entertain the idea that the campaign was doomed from the get go. No amount of nuancing, no amount of strategizing, no tactical preparations could remove from the campaign its fundamental flaw.

George Dale didn’t do his job, and many, many, many families, businesses, communities, schools, cities, towns, non-profits, and places of worship suffered—and continue to suffer—needlessly.

The Dale Campaign will surely be licking their wounds for a while. However, they may never see that the candidate inflicted those wounds upon himself.

Pundits Predicted Appallingly
Some pundits predicted that voters along the Gulf Coast would not show up to the polls. They were, uh, wrong. Some predicted that the more northern counties would carry Dale to victory. Wrong again. Some predicted that Mississippians wouldn’t cast their ballot for an African American man over a white, good ol’ boy who’s entrenched in the Old South way of doing business. Wrong, wrong, wrong.

What happened?
George Dale epitomized Big Insurance, which the whole world now knows is starving Gulf Coast businesses and families of the funding that would power up the engine to recovery. The elephant in the middle of the room is Big Insurance. With George Dale out of office, we now have a chance to address the issue and remedy the problems caused during his tenure and with his help.

Breaking its legal contracts with policyholders, Big Insurance has wrongfully denied families and businesses the money required for rebuilding. George Dale sided with the insurance companies. These very same families and business owners went to the polls and cast their ballots for Gary Anderson, rejecting Dale’s business as usual approach.

Rather than rolling out the red carpet for the insurance companies as George Dale has done, Gary Anderson campaigned on a platform that includes creating a criminal investigations division. That Anderson has to set up a criminal investigations division means that George Dale never did in spite of 32 years in which to do so. Without a criminal investigation arm, Dale assured his insurance industry friends that they had nothing to fear. With Anderson's win, Dale's Big Insurance friends now have something to fear.

Lacking Imagination
Neither Dale nor the insurance industry counted on voters raging over their post-Katrina greed . . . and actually channeling their rage into the ballot box. Clearly, they never imagined that Gary Anderson could mount an effective campaign to tap into that voter rage and channel it into his own electoral victory on behalf of all of Mississippi consumers. Well, that’s what a lack of imagination will do for you.

Jacking Up Premiums
In obscene fashion, Big Insurance has jacked up the cost of insurance throughout Mississippi—just as it has done in California, Oklahoma, and elsewhere in the nation. George Dale authorized each of those jacked up premiums. Voters took note and cast their ballots that vetoed Dale’s rubber-stamping the industry’s greed-driven premium hikes.

Pocketing Industry Funds
While Dale raked in hundreds of thousands of campaign dollars essentially flaunting his torrid affair with an industry that has wreaked havoc on Mississippians, Gary Anderson signed a pledge not to take contributions from insurance companies or executives.

When talking with A.M. in the Morning! recently, Hancock County Chamber of Commerce Executive Director Tish Williams said the biggest impediment to recovery remains the cost of insurance. Ms. Williams added that right up behind that is finding employees, which is problematic because there is no housing. The housing, she added, goes right back to the issue of insurance. So, insurance is the biggest impediment to recovery.

Post-Katrina Justice Rules!
The election of staunchly pro-consumer candidate Gary Anderson is the outcry for removing that impediment. While Big Insurance may now be heard crying in it beer over losing its sweetheart in the Mississippi Insurance Commissioner’s office, we can be heard happily singing a new tune with the election of Gary Anderson as the Democratic nominee for the state’s Insurance Commissioner. Post-Katrina Justice Rules!


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Mississippi Insurance Commissioner Just Doesn’t Get It—His Job, That Is . . .

by Ana Maria

Some have said that I may be too cozy with the industry I regulate. Those who make these charges have never offered one fact where I have not held [the] insurance industry accountable to the laws of Mississippi that I am called on to enforce.

–George Dale Speech at the Neshoba County Fair,
video courtesy of John Leek and Cotton Mouth Blog

After 32 years sucking out money at the government teat, after over three decades in the job, George Dale doesn’t know his job. He is supposed to effectively, efficiently and faithfully carryout the duties of insurance commissioner. That is not just following the letter, but also the spirit, of the law. The point of his job isn’t to be the government paid lobbyist for the insurance industry. Voters wouldn’t put up with that nonsense. The industry has plenty of its own money to pay for lobbyists.

The point of the insurance commissioner is to protect consumers from the ravages of a market that would rip us off blindly if we let them. Andddddd, it is to create a level playing field for the businesses who are insuring our homes, offices, and non-profit organizations as well as local, state, and federal government assets. Unfortunately for us here in Mississippi, Insurance Commissioner George Dale is like their good neighbor, his always on their side. That’s right, the insurance industry is in good hands with George Dale.

When it comes to his job, George just doesn’t’ get it. I think to help him understand the errors of his ways will require breaking it down a bit. Let’s try to spark in him a vague memory of the point of his job.

1. “They made me do it!”

George Dale claims that the corporate big wigs in the insurance industry force him to burden Mississippians with massive jumps in the cost of insurance. The usual talking point for an insurance company is that they will take all their toys and go home if George doesn’t give them the obscene rate increases they are demanding. Dutifully, George drinks the kool-aid the industry gives him, and then he spits out this garbage.

“One important aspect of my job is to maintain a marketplace for the sale of insurance.”

Mississippi Insurance Commissioner George Dale, 2003

News Flash, George. It isn’t the only or the primary aspect of your job. The key question is this. To whose benefit do you maintain that marketplace? Your demonstrated bias is to maintain the marketplace for the benefit of the insurance industry itself and its apparent insatiable lust for obscene amounts of profit.

However, you are supposed to maintain a marketplace for the sale of insurance that is fair and equitable to all insurance companies AND that benefits the public. A HUGE difference.

Don’t give me that poppycock that it won’t do any good if an insurance company pulls out of the state. What is this? Government propping up of business? If companies can’t make their obscene profits here, fine. Let ‘em go. Don’t let the door hit ‘em, you know?

2. “Come right on in! We have your office all set up.”

George, you are supposed to protect the hen house from the foxes, not roll out the red carpet and invite them to set up shop inside your govern-ment office. Immediately following hurricane Katrina, the worst natural disaster in our history, you allowed an insurance industry PR flack to set up shop inside your government office.

When you did this, George, you betrayed the very people depending on you to protect them from the foxes in the insurance industry.

3. “Don’t’ be ridiculous. I’m supposed to be good friends with Industry lobbyists and hire one of their big time lawyers to be my own attorney.”

George, you are supposed to be regulating the insurance industry, not becoming good friends with its big time lobbyists or hiring a big industry attorney as your own lawyer. No, there is no law specifically prohibiting this. However, there is something mighty unethical about it. It doesn’t take a college graduate such as yourself to see that this creates a C-O-N-F-L-I-C-T of I-N-T-E-R-E-S-T.

Yet, all you said about hiring Greg Copeland, an attorney who is a longtime lobbyist for the insurance industry, is “I don’t see any conflict.”

George get your eyes checked, honey. You aren’t seeing the smut that is squarely on the end of your nose. In fact, George, you called this big insurance lobbyist "a good friend." You are not paid to be good friends with the industry. You are paid to protect us from the insurance industry’s propensity for not doing right by us.

Since you see no conflict with it, George, why don’t you just go ahead amd campaign specifically citing your chumminess with an industry big wig.

Vote for me! I’m good friends with an insurance industry big wig lobbyist. I will protect the insurance industry from silly fools who think their family and business budgets ought to come first. Remem-ber . . . a vote for George Dale is a vote for big insurance!

Could these be the reasons that Forbes Magazine reported this horrible fact about insurance rates on your watch?

“Mississippi, dead last in [per capita] income, is the sixth most expensive place to insure a house.”

See, your job is to be a referee so that there is a level playing field that does not benefit one company over the other, that makes it fair for all companies to compete, AND that ensures the public is PROTECTED. The main reason your job exists is because if left to its own devices, the insurance industry is unfair to its customers such as home and business owners. These are YOUR constituents. However, you think your job is to protect your favored corporations. You have missed the boat, George.

Your job is to protect all the folks in the state who own homes and businesses as well as educational facilities. And let us remember that every government agency and non-profit needs insurance, too. That is OUR money going into paying the insurance on the courthouses, jails, public schools, etc. When you approve inappropriately massive increases in insurance rates to protect a company or set of companies that you favor, you demonstrate that have lost your way and forgotten the job you had been elected to do.

You are one confused public official, George. Your job is about the public interest, not your personal interest.

You let the insurance industry co-opt you. They didn’t make you. You did this to yourself.

Heck, even the Mississippi State Supreme Court has so much as stated that you’ve abandoned your post, gone AWOL when it comes to regulating insurance companies.

These days, George, you are whining about trial lawyers who represent the very constituents you’ve long abandoned, lawyers who are the champions for the policyholders you’ve long abandoned. Come to think of it, because you haven’t done your job, you’ve become the trial lawyer’s best friend. Way to go, George. Way to go.

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Statement by Dick Scruggs, Attorney

$250,000 contribution to Mississippians for Fair Elections

OXFORD, MISS (July 31, 2007)--Today, I am announcing that I have contributed $250,000 to Mississippians for Fair Elections, an organization that was created to raise awareness about the role the Insurance Commissioner plays in the everyday lives of Mississippians.

The amount I have contributed may seem like a lot of money. But, it is nothing in comparison to the millions that insurance companies are refusing to pay to help Mississippians rebuild their homes and businesses or the millions big insurance pays to influence politicians at the expense of homeowners.

Big insurance has its voice in George Dale. Now, it's time for consumers to have a voice. I am donating this money as an advocate for families who continue to be abused by big insurance. That abuse is not limited to the residents of the Coast. Big insurance has proven it will abuse victims of tornados, ice storms, fires and illness with the same arrogance and contempt they have shown to hurricane victims.

I have contributed to this effort because it's past time for us to have an Insurance Commissioner who works for the people instead of the big insurance bosses. George Dale has been coached by big insurance for years on what he should say. He even turns to their lobbyist for free legal help. When you listen to his comments and statements, it sounds like he is reading a script written by big insurance. He consistently parrots their distorted numbers on claims paid. He never mentions the $68 billion in profits they made in 2006 or the hundreds of millions in bonuses paid last year to big insurance CEOs. Instead, he went so far last month as to imply that Katrina put a burden on the insurance industry.

Every word George Dale says probably comes from some speech writer in the Mid-Western headquarters of big insurance. They tell him what to say and how to regulate. Of course they are coaching him now to say he is running against me. But he is not. George Dale is running against Gary Anderson, Mike Chaney and other candidates who want to work for consumers, not the big insurance companies. By attempting to divert attention from the real issues in the race, George Dale is once again running from his record as the voice of big insurance.

Contact:
For more information, visit scruggskatrinagroup.com on the web
For media inquires, please contact Scruggs Katrina Group at: 662 528 2922
Send emails to: scruggskatrinagroup@gmail.com

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About the Scruggs Katrina Group

The Scruggs Katrina Group is a legal team consisting of Mississippi attorneys from the following firms: Don Barrett, Marshall H. Smith, Jr. and David McMullan, Jr. of the Barrett Law Office; Richard Scruggs, Sid Backstrom and Zach Scruggs of the Scruggs Law Firm; Dewitt Lovelace of the Lovelace Law Firm; and David Nutt, Mary E. ("Meg") McAlister and Derek Wyatt of Nutt & McAlister, PLLC.

See tv spot here.

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For more on Scruggs Katrina Group, you may wish to read the following.

State Farm, Partners, and RICO: What a Racket!

Scruggs Katrina Group File RICO Suit Against State Farm

Additionally, you may wish to read this A.M. in the Morning! series.

Broadening Katrina’s Lens: A five Part Series
Part 1: Broadening Katrina's Lens
Part 2: Recovery’s Two Major Impediments: $$$ and the "F" word
Part 3: The "F" Word: FEMA
Part 4: Katrina’s Bigger Picture
Part 5: Katrina’s Karmic Payback: Insurance Reform

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