The “F” word: FEMA

Fix
Everything
My
Ass


I first saw this as a bumper sticker on the window of a BIG truck on Hwy 90, Waveland, Miss. A big thank you to Commonscribe over at Daily Kos for this photo.

This is the third in a series of five to help the Democratic Party, particularly its presidential hopefuls, to get the framework right, to broaden its lens through which it views Katrina, what’s stopping recovery, what will speed up a vibrant recovery, and how Katrina affords us the opportunity to transform the basic quality of life for all Americans. ________________________________________________________________

All of the FEMA shenanigans have been unnecessary and avoidable. Unfortunate for us, Mr. Compassionless Conservative Bush apparently has a sadistic side to himself which he plays out in public, on the public, and at the public’s expense. FEMA is a case in point.

Hypocritical Leadership
The White House that is hell bent on handing no bid multi-billion dollar contracts to the largest Bush-Cheney campaign contributors (i.e. Halliburton) has insisted that in the days after Katrina, the ravaged areas impacted should have gone through a traditional bidding process complete with re-bidding when the cost became pricey. Bush’s “do as I say, not as I do” perspective joins his “you’re on your own” Republican version of government. Hypocrisy is no way to run a government.

Bush’s administration insists that the towns and cities of Mississippi and Louisiana paid too much money to remove Katrina’s debris. We’re sure that our cities did pay too much. Private industry price gouging the American public is everywhere. Been to the gas pump lately?

Nevertheless, Bush’s FEMA is questioning whether the federal government will reimburse these Katrina ravaged cities and towns. We’re not talking chump change, either. FEMA owes these cities and towns millions and millions of dollars for disaster clean up costs. The Washington Post reported the following.

St. Bernard Parish, La., just outside New Orleans, is among the communities waiting for a check. FEMA paid the parish about $100 million for debris removal but still owes about $70 million, said David Peralta, the parish's chief administrative officer. St. Bernard also is waiting for $30 million in reimbursement for sewer repairs, Peralta said.

Peralta said FEMA has "kind of implied" that it is looking into whether the parish paid reasonable rates. Peralta defended the Katrina contracts, saying officials tried to solicit competitive bids without delaying the work.

"We didn't have a whole lot of choices in those first few days," he said.

It’s a toss up on whether the Bush Administration’s hypocrisy or compassionless actions are more galling.

Promises, Promises
FEMA promised cities and counties money to repair sewers and drains, pave streets and rebuild schools. Bush’s FEMA has been reneging on its word. What a shock, huh?! On Good Morning America, Bush stated "I hope people don't play politics at this time of a natural disaster the likes of which this country has never seen." Yeah, well, if actions speak louder than words, the actions of Bush’s FEMA are screeching loudly, indeed.

Let’s look at what FEMA has been doing to Hancock County, Miss., the county where I was born and raised and from which I am now blogging and podcasting. Speaking on the floor of the House of Representatives, Gulf Coast Congressman Gene Taylor (D-MS) described Hancock County as a place “where 90% of the residents lost everything, or at least substantial damage to their home.” [See the video.] Like everywhere else in Katrina Land, any and all assistance is immensely appreciated.

So when FEMA promised the county $33 million to rebuild a school, this was terrific news! For over 22 months, FEMA repeatedly reassured the county that the money was theirs, and the county complied with the agency’s requirements. The county board of supervisors, families, and community depend on that school getting up and running as soon as possible.

The Sea Coast Echo reported, “Repeatedly over the past 22 months, FEMA officials said in public meetings the school board could build the schools.” Then, just as the county was about to break ground, Bush’s FEMA reneged on the deal pulling the $33 million rug out from under everyone.

"FEMA has changed the rules in the middle of the game. Every single step in the process involved reps from MEMA [Mississippi Emergency Management Agency] and FEMA. It was our understanding from them that we could build above the ABFE [Advisory Base Flood Elevation]."

School District Attorney Mark Alexander

Sea Coast Echo

These and other financial horror stories are happening on Bush’s watch. Appropriate leadership from the White House would solve this FEMA issue. Alas, we don’t have that. We have Bush and Cheney.

Mr. Compassionless Vetoed Katrina Financial Relief

When he vetoed the Iraq Accountability Act, Bush also vetoed money for Katrina relief including waiving the 10% matching requirement that was putting a great deal of unnecessary burden on the towns and cities in the Katrina-ravaged area.

Cities, towns, and counties didn’t have an extra 10% hanging around to match the federal monies needed to rebuild. Bush should have automatically waived the requirement like was done for New York after 9/11. He did not. Thankfully, Speaker of the House Nancy Pelosi (D-CA) and Senate Majority Leader Harry Reid (D-NV) included the waiver in the Iraq Accountability Act. When Bush vetoed that legislation, the good Democratic leaders attached the waiver to another bill which Bush finally signed.

H-E-L-L-O?! Anybody there?!
At the celebration of the new bridge, I believe it was Bay St. Louis Mayor Eddie Favre who said that the foot of the bridge was the only place in the Bay-Waveland area where there was some cell phone coverage. (See bridge photos below.)

Paul J. Richards/Agence France-Press Getty Images.
New York Times
A seven-minute dash across the bay bridgebecame a 45-minute commute around it.









Photos from U.S. Surface Transportation Board
Bay Bridge after Katrina. Because the Bush Administration had no emergency communication system in place, the only cell phone reception was at the foot of this bridge. Image from Waveland and Bay St. Louis After Katrina.

Because the Bush Administration had no emergency communication system in place, the only cell phone reception was at the foot of this bridge.

He told the story of walking to the foot of the bridge where others had also arrived to try to talk with their family and friends across the country to let them know they were ok.

He overheard a man tell his brother, “no, mom didn’t make it. She died in the storm.” The story chokes me up even as I write this deeply personal and sad story, one that is surely to goodness shared by others, too many others.

Can you imagine the horror of going through the storm, losing loved ones in the hurricane’s wrath, and having to walk through miles and miles of debris to get to the one place where it was rumored that cell phones work? Then, calling family and friends to talk of the deeply personal tragedy and to do so without the privacy we normally expect with personal news of this nature? The only comfort, perhaps, was that everyone was in the same boat, no pun intended.

Where was the nation’s emergency communication system?! This isn’t leadership. This is the result of the absence of leadership. Another of George Bush’s FEMA and homeland security failures. Bush already skimps on protecting our ports, railroads, nuclear facilities, and the like. Skimping on developing a national emergency communication system is par for the course from a guy who didn't get into the White House in a forthright manner in the first place.

So when FEMA got here, what did they do to facilitate these good people in getting all the help FEMA had to offer? Their idea was to somehow set up shop where folks could come to them and they would provide phone numbers to call FEMA and web addresses to apply for FEMA assistance.

Never mind that folks had no electricity, no phone lines, and, of course, no Internet access. Whether computers had survived the devastation was another matter altogether and another area in which Bush’s brilliant folks had no concern or care on the impact to American families. Oh, yeah, remember that the cars had been submerged in the salt water pushed ashore. Transportation was scarce.

Since these federal fools couldn’t look around and see the obvious, Congressman Taylor’s office suggested that rather than waiting for folks to walk for hours on end to get to where FEMA set up a make shift station, that these bureaucrats travel by foot with a pad of paper and a pen and from each person impacted take down the information that they themselves could then input on behalf of the survivors whenever the feds were able to finally get to computers that worked.

I don’t know whether Bush’s agency actually listened to such obviously solid advice. What I do know is that if this is the best and the brightest our federal government can provide in an emergency, we're in bigger trouble than I thought.

FEMA to Katrina Survivors: About that Money We Sent You . . .
FEMA claims that it overpaid some Katrina survivors and began demanding survivors repay the money to the federal government. The checks ranged from $2,000 to $ 26,200. FEMA said that folks whose insurance companies eventually provided some daily expense money were ineligible for the federal money.

Ocean Springs resident Leslie Keller said she cannot afford to repay the $2,500 she was given for rental assistance. She said FEMA originally told her she didn't qualify for the money because she was living in a FEMA trailer. But because she was still paying a mortgage on her destroyed home, she said, FEMA relented.

"Then six months later, they said I had to give it back," said Keller, a 45-year-old mother of three who attends school during the day and works at night.

"I can understand going after the ones that fraudulently (received money)," she said. "But as far as the people who accepted aid and then FEMA says it's the wrong type of aid, it's not right."

Thankfully, a federal judge in New Orleans ordered Bush’s agency to stop.

Although FEMA gives aid recipients a chance to appeal, "the process, if it can be navigated at all, takes months," U.S. District Judge Helen Berrigan wrote in her order.

"In the meantime, the defendants appear to treat the plaintiffs' and their prospects of homelessness and despair and stress of such added worries as if it were gnats to be brushed away, while the defendants busy themselves with creating more bureaucratic regulations."

What a blatant example of Bush’s utter betrayal with all of his blubbering about compassionate government. Cruel and compassionless are more apt adjectives. The FEMA nightmares continue on Bush’s watch from the formaldehyde-filled FEMA trailers to an inept debris removal process that may be creating contaminated water. (See my pieces titled Coffee, Tea, Contaminated Water? and Formaldehyde-Filled FEMA trailers.)

Awakening our American Ingenuity to See the Bigger Picture
As Bush sleeps comfortably in a White House that I believe should be the residence of President Al Gore, families and businesses in and around New Orleans and all along the Mississippi Gulf Coast suffer needlessly.

In spite of the miserable state of affairs in this region, I see folks everywhere who are taking whatever emotional, mental, and physical resources they can muster up to carry on day-to-day in a set of circumstances that are unfathomable, yet Bush and Cheney have allowed to linger and expand in the most unconscionable of ways. It doesn’t have to be this way.

A little bit of compassion coupled with genuine American ingenuity and good old fashioned elbow grease and out of these worst of times can come a renewed commitment to work diligently and consistently to the America in our hearts and in our dreams both inside and outside of Katrina Land.

Through the lens of Katrina, we can see a much bigger picture, if we look for it.

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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Flash Animations: Before and After Katrina Pictures

The Sun-Herald's flash animations of Before and After Katrina Pictures of homes and businesses along the three Mississippi coastline counties: Hancock, Harrison, and Jackson. Also included are photos from counties and cities inland from the Gulf Coast. Dramatic. Breath taking. Imagine these to be your homes and businesses.

Then, imagine your home owner's insurance company telling you that it won't pay a penny on the wind coverage for which you've been loyally and faithfully paying your premiums.

Then, imagine yourself standing in front of the rubble you had called home just the day before. Some "helpful" FEMA bureaucrat comes up to you and gives you a FEMA phone number and website address . . . that you cannot use because Bush's Administration has not installed an emergency communication system for times just like these--real emergencies. The bureaucrat doesn't apologize for the obviously insensitive, out-of-touch assignment that he or she is carrying out on behalf of Bush's FEMA .

What a waste of time and money that could have been used to carrying out what everyday Americans--regardless of political party or religion or color of hair, regardless of education or employment status or age or whathaveyou--expect when a major catastrophe like Hurricane Katrina comes barrelling uninvited into our lives.

Welcome to post-Katrina Land!

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Recovery’s Two Major Impediments: $$$ and the “F” word

This is the second in a series of five to help the Democratic Party, particularly its presidential hopefuls, to get the framework right, to broaden its lens through which it views Katrina, what’s stopping recovery, what will speed up a vibrant recovery, and how Katrina affords us the opportunity to transform the basic quality of life for all Americans.

Our recovery has two speeds: s-l-o-w and s—l—o—w—e--r. One reason is a lack of money both from the insurance companies and from FEMA. Today, we’ll talk about money and the insurance industry.

Tomorrow, we’ll talk about the other reason for this unacceptably s-l-o-w recovery: the abysmal lack of appropriate and innovative leadership from those sitting in our White House. Hands down, there is no better example of this than Bush’s FEMA. But we’ll just have to wait ‘til tomorrow to skewer that subject.

Money
Money would solve nearly all of the problems we face in reviving our lives, jobs, communities, cities, and region and to do so in innovative ways so that we protect the wetlands throughout the region while implementing a world class environmentally sound levee system like that in the Netherlands.

Money will help us to recover in a way that adopts the best of the best practices for everything from low income housing to public education. Rather than the painfully s-l-o-w way experienced since Bush finally decided to end his infamous month long vacation a few days after Katrina ravaged the area, money will infuse the area with much needed cash . . . and infuse the area with a much needed emotional and psychological lift in spirits.

We need money to rebuild the infrastructure of our cities for things like roads, firehouses, school buildings, drains, street signs, stop lights, stop signs, and light posts. We need money to rebuild public buildings such as court houses, city halls, and other government offices Katrina destroyed.

Businesses need money to rebuild their buildings and replace the contents inside of those buildings.

Families need money to rebuild their homes whether those homes were in the 9th Ward at one end of the economic spectrum or in Lakeview, a New Orleans neighborhood at the other end of the economic spectrum. Families need money for their homes located in Slidell, Louisiana, which is just east of New Orleans or Long Beach, Gulfport, Biloxi, Ocean Springs, and Pascagoula, Miss., on the far east of the Mississippi Gulf Coast. Money is needed to completely rebuild the towns of Pearlington, Waveland, Bay St. Louis, and Pass Christian, Miss.,— each of which Katrina wiped clean and which comprise Katrina’s ground zero. (Yes, Katrina’s ground zero was in Mississippi, about 60 miles or so east of New Orleans.)

Money will help the Katrina region retain the dignity of its residents be they a disabled veteran, a senior citizen, a working class laborer, a computer geek, hair dresser, janitor, teacher, nurse, doctor, realtor, oil rig worker, etc. and so forth.

A major bottleneck for getting money to where it needs to go rests with Bush’s FEMA and the insurance companies. We certainly pay plenty enough taxes to expect FEMA to be here pronto stat when we need the agency to help communities, businesses, and families get back on their feet. We don’t expect amateur hour or some version of “Whose job is it anyway?” to be played.

We expect insurance companies to own up to their financial obligation and promptly pay on the wind insurance policies when its customers appropriately submit claims. We need that kind of confidence in our financial markets. Insurance companies are part of our financial security be it for our health, car, life, or home.

If we are going to insure what is clearly the greatest financial asset for most American families—our homes, then we must have insurance entities in whose hands we have complete confidence and on which we can depend–just like a good neighbor.

The way that insurance companies have turned their backs on the very customers who have paid the premiums that created the industry’s $108 billion profit in 2005 and 2006, they ought to be ashamed of themselves. Their greed is downright sinful, and the means by which the companies attained their wealth seems criminal. As a result of failing to pay on the legitimate wind claims, families and businesses cannot return to their homes, livelihoods, communities. What’s happening here is not unique except in its scope.

Private insurance companies are raising rates to astronomical levels for significantly less coverage for commercial and residential policies. They are also choosing to stop writing new policies not just here along the Gulf Coast but also all over the country from the West Coast to the Mid-West to the East Coast.

The private companies have not just failed us but also are deliberately abandoning American families and businesses everywhere just as it did in the 60’s with regard to flood insurance. The private sector simply begged off of it. That is the reason that the federal government stepped up to the plate and began its flood insurance program in 1968. And so it is again with Gulf Coast Congressman Gene Taylor’s proposed Multiple Perils Insurance Act of 2007 to include windstorms, floods and other purposes in the Federal Government’s Flood Insurance Program. The insurance industry’s insatiable insanity demands we act quickly to protect our families, our homes, and our businesses.

The Insurance Industry’s Insatiable Insanity

Insurance Company Documents

Nationwide on 9/4/2005: “if loss is caused by both flood and wind there is no coverage.”

State Farm instructions to adjusters on 9/13/2005: “where wind acts concurrently with flooding to cause damage to the insured property, coverage for the loss exists only under flood coverage.”

The documents from which the above excerpts have been taken, certainly appear to indicate that the insurance companies have deliberately directed its workers to refuse to pay legitimate claims from its policyholders. No wonder we need to pass the Multiple Insurance Act of 2007! (For more information on these documents, read Wind? Water? More like a bunch of hot air!)

When these private companies refuse to own up to their financial responsibilities, who do these companies stiff with their financial tab? That’s right! The federal government’s flood insurance program and policy holders like you and me.

The federal government contracts with the private insurers to adjust the claims for the federal insurance program. The private companies send the bills to Uncle Sam’s insurance program for payment. That sounds all fine and dandy until something like Katrina hits and the insurance industry ends up in a position where it determines whether to pay the full amount of wind damages for which it is fully responsible or to shift its own costs to the U.S. taxpayers through pushing off claims to Uncle Sam’s federal flood insurance program.

This is an obvious conflict of interest that Gulf Coast Congressman Taylor proposes to remedy with passage of the Multiple Perils Insurance Act of 2007. The amount of damages not covered by the flood insurance are born by the policy holders themselves. There are two reasons for this. First, for those permitted to buy flood insurance, the policy severely limits coverage and whenever damages exceeded the limits, those costs were then shifted to the policyholders themselves.

Secondly, many businesses and homeowners were prohibited from buying flood insurance because their homes and/or businesses were not in a flood zone. So when an insurance carrier wrongfully (and deliberately) asserts that the damage came from flooding and not from wind, the policyholder is left to finance the damages.

We can participate in stopping these financial shenanigans. We can do our usual political hell raising to make this a legislative reality for our families and businesses all across the country. Call or email your congressional representative to voice your support for Taylor’s Multiple Perils Insurance Act of 2007. The bill will be discussed in the next few weeks when the Flood Insurance Program comes up for reauthorization. Click on the hyperlink to go to a page with a sample email and phone script you are free to use as you desire. There is also a link to find your representative’s contact information. Just let your fingers do the walking.

Congress Dems and the Katrina Task Force
As far as I’m concerned, Congressman Taylor is THE Congressional Democratic expert taking the lead on Katrina recovery. When the Democratic Caucus created a Katrina Task Force right after the hurricane hit, Taylor stepped up to the plate to chair it. The task force has issued an 18 page report of legislative recommendations. Katrina and Beyond: Recommendations for Legislative Action which included the following.

1. Investigate the Katrina claims practice of insurance companies that contract with the National Flood Insurance Program.
   
2. Repeal the federal antitrust exemption as it relates to price-fixing, bid-rigging, or market allocation in the market for property insurance.
   
3. Establish all-perils disaster insurance coverage backed by the federal government.
   
4. Rebuild levees and flood controls to higher standards.
   
5. Relieve FEMA of its recovery mission and reassign those responsibilities to the appropriate federal agencies.
   
6. Reform FEMA contract procedures to eliminate cost-plus noncompetitive contracts.

These are practical steps to remove the barriers to returning home and rebuilding communities and cities after natural disasters such as Katrina.

The staff of NPR and the Democratic presidential hopefuls would do well to call Taylor’s office to talk with even the most junior member on staff whom I am certain can cite chapter and verse of what is wrong and how to solve the problems. Senator Mary Landrieu (D-LA) who was raised and has strong family roots in New Orleans, is also a strong leader in Katrina recovery. Her office is surely to goodness another fabulous resource that researchers should tap for real-time information and solutions that address problems stemming from Katrina.

Preventing Collusion in the Insurance Industry
Closing the insurance industry’s loophole on anti-trust laws is another solution to the problems we’ve uncovered down here. The goal is to make it so that the insurance companies cannot engage in such things as price fixing or bid-rigging. At present, they are only one of two industries allowed to engage in any of these things and to do so with impunity as far as the law is concerned.

Let’s think about this a minute. Here at Katrina’s ground zero in Bay St. Louis, Miss., we’re in the middle of casino country. Can you imagine how many customers casinos would have here or in Vegas if they rigged everything and wouldn’t pay out the winners? Casinos don’t engage in this behavior, because the industry is regulated like crazy, as it should be. We need insurance reform to protect American families and businesses in both the property and casualty and health care insurance arenas. Insurance reform is a bread-and-butter issue for families and small businesses that the Democratic Party should immediately embrace and aggressively push.

The Senate’s Democratic Leaders have put together legislation (S.618) to strip the insurance companies of its 62-year old exemption from the nation’s anti-trust laws. U.S. Senators Mary Landrieu (D-LA) and Trent Lott (R-MS) are among its four co-sponsors. To close the loophole, click here for delightfully fun political hell raising activities. Turning up the heat is as easy as cutting and pasting into an email and reading a script into your phone. It’s hot as you-know-what down here in Katrinaville. Let’s help Washington DC feel the heat.

Between the increase in health care costs and increases in insuring our homes—in those areas of the country where we can still purchase it, this bread-and-butter issue is ripe for the Democratic Party to embrace and run on to expand its control of Congress and to recapture the White House. One or both of these areas impact each American some way or another. It’s certainly an issue that hits home with most folks, as long as we articulate our framework in a way that is smart, savvy, and sophisticatedly simple.

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

Return to A.M. in the Morning! Home

Read More......

Broadening Katrina's Lens

This is the first in a series to help the Democratic Party, particularly its presidential hopefuls, to get the framework right, to broaden its lens through which it views Katrina, what’s stopping recovery, what will speed up a vibrant recovery, and how Katrina affords us to transform the basic quality of life for all Americans.

Last week’s Democratic presidential debate really rubbed me the wrong way. From the question posed to the answers given, everyone just marched right along with a recitation of the media’s “one-size-fits-all” frame for discussing who Hurricane Katrina impacted, what that impact was, and a bevy of insufficient solutions offered as a result of this faulty way of viewing this catastrophe.

The one-size-fits-all approach goes something like this.

1. Katrina = New Orleans = levees.
   
2. Problems stemming from Katrina are the same for New Orleans, the Mississippi Gulf Coast, and the areas Katrina impacted that were as far as 200 miles inland from the Gulf Coast.
   
3. Katrina impacted mostly the most poor among us, and they were primarily located in the 9th Ward of New Orleans, Louisiana.
   
4. The ineptitude stemming from the Bush White House and FEMA comes out of a racist lens alone.
   
5. Solutions for the city of New Orleans and its levees will solve all the problems stemming from Katrina, which really are about Bush’s immense callous ineptitude about poor people who could not leave New Orleans before Katrina.
   
6. Talking about Katrina recovery in New Orleans is shorthand for talking about, addressing, understanding, and solving the multitude of issues regarding recovery for everything inside and outside of New Orleans.

Do these ring a bell? Of course, they do. The media played these images and talked only of New Orleans and the levees over and over again until they became seared in our brains. The framework became installed. Katrina = New Orleans = levees = racist/classist betrayal. Unfortunately, these are all, indeed, true, but the picture is incomplete and encourages otherwise intelligent individuals to ask questions that miss the mark and offer solutions that are insufficient to address all of the problems we face.

Let’s take last week’s debate as an example. NPR’s Michel Martin asked the following question to the Democratic presidential hopefuls.

Would you support a federal law guaranteeing the right to return to New Orleans and other gulf regions devastated by hurricane Katrina based on the United Nations human rights standards governing the internal displacement of citizens?

What?! Are you kidding me?! Invoking the United Nations? Look. What we need to invoke is the infamous phrase from the movie “Jerry McGuire”: Show me the Money! Show me the Money!

While Ms. Martin’s question was well-meaning, the question itself as well as the answers the Democratic hopefuls provided displayed an appalling ignorance of what is stopping cities from rebuilding their communities, hindering businesses from reopening their doors, and preventing people from returning to their homes, jobs, schools, places of worship, and lives.

Had the staff of NPR or the Democratic Presidential hopefuls been research savvy, they would have learned that Congressman Gene Taylor and U.S. Senator Mary Landrieu have put forth some incredible legislative initiatives to address real problems with real solutions such as expanding the flood insurance program to include all natural perils (H.R 920) and to close the anti-trust loop that has permitted the insurance companies to collude with each other legally (S.618).

Perhaps someone will forward various Democratic presidential campaign staffers this specific series or just turn them on to A.M. in the Morning!

God help us all. The Democrats have to get the framework right. We know that the ReTHUGlicans will be completely clueless—and care less about being clueless.

As Democrats, we agree that the preparation for Katrina and the recovery efforts in her aftermath are microcosms of and metaphors for the appalling absence of White House leadership since George W. Bush and Dick Cheney stole the 2000 presidential election and moved into our Oval Office in January of 2001. On that end of the analysis, we have agreement.

However, flushing out the specifics of the microcosms and metaphors requires more than sound bites that fit nicely with the overall theme of a candidate’s campaign or one’s political perspective on poverty, the environment, race, the Bush Administration, etc.

For example, continually boiling down the problems New Orleans faces only to repairing levees and the challenges in the 9th Ward alone misses the bigger picture and important elements for recovery in that city, in the Gulf Coast region, and in the nation.

By broadening our minds to take in the fullness of what encompasses the problems we face here, we can then see the great opportunities to recover this area far quicker and to make dramatic changes that will fundamentally improve the quality of our lives regardless of where we live. After all, every family wants to protect its greatest asset—home. When we fix what’s wrong with the recovery efforts here in Katrina Land, we’ll be protecting everyone’s home from sea to shining sea.

To do this, we must begin with a framework that works for Louisiana and Mississippi, for those inside of New Orleans and those outside of it, for those that Katrina directly impacted and for those that future natural disasters—tornado, flood, blizzard, mudslide, earthquake—will impact.

What’s wrong with our recovery has everything to do with the crisis in confidence we feel in our federal government, the White House, as well as our insurance corporations that are supposed to provide financial security for our family’s biggest investment: our home. Remedies for what ails the recovery efforts have already been introduced in Congress. Additional remedies will also come from the innumerable court cases that the Scruggs Katrina Group, The Merlin Group, and other lawyers who are successful in attaining a fair deal for their clients through dragging the insurance carriers to court for a bit of American justice.

In the meantime, it is important that we understand fully the true impediments to our recovery so that we can push our federal lawmakers to make changes that make a real difference for those inside and outside of the Katrina ravaged region of our nation.


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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A Southern Moonlit Sauna Has Me Thinking of Bush and Jesus

With the beauty of Saturday night’s moon beaming brightly upon the water, hundreds of people gathered at the Bay St. Louis Yacht Club to listen to the deliciously divine music of Deacon John, a New Orleans legend playing all the favorites going back some fifty years. I couldn’t believe how hot it was or that sweat was running down my legs! A young friend informed me, “That isn’t sweat. It’s the humidity stuck to your legs.” I guess it’s been a while since I went dancing under the moonlight with humidity in the night air making life almost unbearable were it not for Deacon John’s music.

I immediately thought, “Thank GAWD I wore shorts and a t-shirt.” Looking around, I saw sweat poring of off everyone. Thus the reason for the HUGE four to five foot fans under the tent where the band played and the rest of us danced. Now, if you thought this was some uptight-dressed-to-the-nines-with-diamond-jewels kind of crowd, you’d have been wrong as wrong could be. At best, everyone wore picnic attire, the same thing many of us had worn earlier that day when we went to the annual Crab Festival at Our Lady Academy, the Catholic all girl high school I attended.

I bought myself a shrimp po-boy—a New Orleans specialty—and sat down at a table filled with folks I didn’t know. Like me, they were enjoying the divinely mouth-watering delicacies for which our region is so well-known. Across from me was a couple who had lost a 5,000 square foot home in Katrina. What did their insurance carrier offer for the damages? $19,000. What a jaw dropper!

Being smart business people, they had tried to get flood insurance and were denied it because they didn’t live in a flood zone. This insurance nightmare pushed this couple into joining one of the Scruggs Katrina lawsuits.

After we finished our meal and concluded our discussion, we parted knowing that we’d be seeing each other at THE event of the weekend: dancing to Deacon John that night. Indeed, we ran into each other soon after the gig began to crank up. Music and dancing are a strong part of our cultural history here which can be most easily understood when taking into consideration the fact that many families, like my own, are originally from New Orleans. Our heat and humidity are other similarities to the birthplace of Jazz.

The South’s Natural Sauna
Saturday night, I voluntarily re-experienced the “Southern Sauna,” as my brother Michael called the horrendous humidity with which we grew up. Of course, being out under the moonlight dancing with my friends was pleasurable play time. I was just out having a good time as sweat ran down the back of my t-shirt and the humidity grabbed a hold of my legs then rolled right down. At least, I could go over to a fan and cool off occasionally. Eventually, I would return to my car with air conditioning which I would drive to my mother’s home that was also air conditioned. I could jump into the shower. These are choices that most of us take for granted.

Two years ago when Katrina hit, electricity and safe-water were near non-existent commodities. My older brother Rosie told me that he would put water in jugs and sit them out in the sun to warm up all day. That way he would have relatively warm water for an evening wash up. Because the water source wasn’t safe for weeks after the storm, he’d put bleach in the jugs to kill the germs.

Rosie said he noticed that those who failed to put bleach in their water ended up with sores on their bodies. And the weather was more scorching than it is at this point in the summer. As I think and write about these things, I cannot imagine the turmoil and nightmare that family, friends, and strangers all lived through in those months, particularly with the horrendous weather.

The worst weather comes in August and September, the two months in which hurricanes tend to hit the Gulf Coast region. Hurricane Betsy hit New Orleans on September 9th, 1965. Camille hit the Mississippi Gulf Coast August 17th, 1969, and Katrina hit on August 29th, 2005, devastating my beloved Gulf Coast and breaching the U.S. Army Corp of Engineers’ levees which flooded our New Orleans.

Sister cities: New Orleans and Baghdad?
I have often thought that the destruction, betrayal, and their accompanying mental toll along the Gulf Coast and in New Orleans resembles that experienced in war-torn areas of the world.The other day, I came across an excerpt in a Daily Kos Diary of an Iraqi blogger writing about his experience in New Orleans. I thought his words particularly insightful.

New Orleans Isn't Very Different from Baghdad!
What shocked me the most in this trip was how the city looked like Baghdad. New Orleans looked like Baghdad after the war in 1991; I swear I kid you not. The devastation, empty houses, the people returning to their life in the city, the "rituals" people practice before they completely come back, the bumps in the streets and the smell of destruction (it has a distinctive smell people. Yes it does.)

I arrived to New Orleans Thursday. On the way to the hotel, I saw the same thing I saw on tv two years ago, destroyed buildings. I couldn’t believe my eyes. Two years later and the scene is the same? Where are we? A government that spent hundreds of billions of dollars on wars overseas is not capable of dealing with a crisis on its own soil! A crisis that all what it needed was money!

Priorities, Hearts, and Money
I grew up with a saying that my mother would recite. It went something like this. “Show me where you spend you money, and I’ll show you where your priorities are.” Other times it would end with “I’ll show you where your heart is.”

When it comes to the priorities and heart of George W. Bush, his White House, and his cronies in the corporate insurance industry, evidence abound. Plenty of taxpayers’ money and resources for his big time campaign contributors even if fraud is committed in padding his contributor’s pocketbook. Nothing much for the rest of us, including his Republican supporters in the Katrina ravaged region.

On the floor of the House of Representatives, Gulf Coast Democratic Congressman Gene Taylor showcased these fraudulent-riddled priorities with regard to Katrina recovery. Specifically, Taylor discussed FEMA trailers that were

“delivered by a friend of the president by the name of Riley Bechtel, a major contributor to Bush administration. He got $16,000 to haul a trailer the last 70 miles from Purvis, Miss., down to the Gulf Coast , hook it up to a garden hose, hook it up to a sewer tap, and plug it in. 16,000.” [Watch the video.]

Clearly, Bush’s priorities are heartless.

Families remain in the toxic formaldehyde-FEMA trailers. Grants remain unpaid. Insurance companies refuse to pay appropriately on claims without the force of attorneys, refuse to provide insurance at reasonable rates, and/or refuse to write policies anymore. Bush has turned a deaf ear refusing to respond appropriately to the heartfelt prayers of the families in need of real leadership in Katrina Land.

Bush and Jesus
My return to the annual fair that the Catholic elementary school of my youth had put on this weekend has me thinking. At Mass and Catholic school, I learned about charity and service to others. More than anything, though, I learned about taking one's responsibilities seriously. Truly, God forbid if I didn’t follow through on some responsibility. I have no idea what would have happened had I been a slacker like George W. Bush. All I know is that I was taught to be responsible. Like many of you across the country, I learned this at home, at school, and at my family’s place of worship.

When it comes to the many responsibilities that Bush neglects especially here in Katrina Land, I’d like to ask Mr. “I’m the nation’s Preacher-in-Chief” one question. What responsibilities would Jesus neglect?

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Hundreds wait Saturday on Road Home closings

Hundreds of people waited in line at the Marriott in Metairie to close on their Road Home grants Saturday, June 30, 2007. The line snaked through the hotel, out the front door and around the building.
John McCusker / Times-Picayune

Hundreds of Road Home applicants found themselves in a winding line outside a Metairie hotel Saturday, waiting out an apparent bottleneck in a marathon effort by a state contractor to close 900 grants in a single day.

Raymond L. Dorch of New Orleans waits in line outside of the Marriott in Metairie to close on his Road Home grant Saturday, June 30, 2007. Hundreds of people waited in a line which snaked through the hotel, out the front door and around the building.

STAFF PHOTO BY JOHN MCCUSKER

Read the article in the New Orleans Times Picayune.

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Illegal immigration's impact felt locally

Issue has two sides on Coast
By JOSHUA NORMAN
jdnorman@sunherald.com

The same week major immigration reform died in Congress, illegal immigration came to the forefront on the Coast in a tragic way.

Read the rest of the story in Mississippi Gulf Coast's Sun Herald.

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Curbside recycling may be returning

Company to contract with residents, not city
Sunday, July 01, 2007
By Valerie Faciane

Curbside recycling again?

Most local residents haven't seen the service since Hurricane Katrina. And with the city nowhere close to reviving its curbside program, a company that provided residential service in the early 1990s is gearing up to offer it again, primarily in New Orleans.

Officials with Phoenix Recycling have said the company has enough prospective customers in Uptown, Mid-City, Broadmoor and Lakeview, as well as Gentilly and Old Metairie, to start a service in late July or early August.

But it won't be cheap.

Read the story in the New Orleans Times Picayune.

The End.
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Iraqi blogger shocked by devastation in New Orleans

by quaoar
Mon May 07, 2007 at 07:43:28 AM PDT

How bad is it in New Orleans? Bad enough that a blogger from Iraq -- visiting the city while on a journalism project -- compares it to Baghdad and feels sorry for the city's residents.

What shocked me the most in this trip was how the city looked like Baghdad. New Orleans looked like Baghdad after the war in 1991; I swear I kid you not. The devastation, empty houses, the people returning to their life in the city, the "rituals" people practice before they completely come back, the bumps in the streets and the smell of destruction (it has a distinctive smell people. Yes it does.)

I arrived to New Orleans Thursday. On the way to the hotel, I saw the same thing I saw on tv two years ago, destroyed buildings. I couldn’t believe my eyes. Two years later and the scene is the same? Where are we? A government that spent hundreds of billions of dollars on wars overseas is not capable of dealing with a crisis on its own soil! A crisis that all what it needed was money!

Read the blog on Daily Kos
The End
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Mr. “I can do my job” isn’t doing his job

Our state’s insurance commissioner, George Dale, has been rather busy of late speaking before audiences spewing forth one or another talking points provided by the insurance industry with which he is in the preverbal political bed. In his latest appalling display of happily carrying water for the insurance industry, Dale told the Clarksdale Noon Lions Club Katrina [was] "the worst natural disaster in U.S. history . . . and put an undue burden on insurance companies.”

What?! This publicly elected official is unapologetically expressing concern over Katrina’s devastating impact . . . not for families, neighborhoods, communities, and cities all across the Gulf Coast of Mississippi, the state in which he is elected to protect consumers from corporate insurance running amok over them? That would be empathizing with the folks with whom we would expect him to empathize. After all, he is the insurance commissioner for the people of Mississippi.

No, sir. Dale has the gall to reserve his empathy for the industry which all through the Katrina ravaged Mississippi Gulf Coast region has been ripping off consumers, families, businesses, right and left, Republican and Democrat, rich, poor and middle class. In his official capacity, Dale expresses concern for the corporations which boasted obscene billion dollar profits in the aftermath of . . . now, how did Dale characterize it? Oh yeah, “the worst natural disaster in U.S. history.”

A friend too shy for direct attribution and to whom I’ll refer to as a gloriously delightful celestial spirit who came to me in the night summarized Dale’s disgusting public betrayal.

”This is unbelievable. George Dale told the Clarksville Lions Club that Katrina ‘put an undue burden on insurance companies.’ If people pay premiums year in and year out, how is it an ‘undue burden’ for insurance companies to keep the faith with policy holders? I guess George thinks that it is an undue burden for a casino to have to pay off when someone pumps their dollars into a slot machine and hits the jackpot.”

Insurance Companies Hit Billion Dollar Jackpot
With a government insurance commissioner gleefully bouncing around the state touting the latest round of talking points the industry supplies him, no wonder the insurance corporations have been able to hit the billion dollar jackpot.

The Insurance Industry Institute reported that the private insurance industry boasted $44.2 billion in after-tax profits in 2005 and $63.7 billion in after-tax profits in 2006. That’s some heavy profit making. These profits were after the companies had paid out $40.6 billion in Katrina claims. Of course, that wasn’t all of the Katrina-related claims. The industry sent the U.S. federal government flood program a $23 billion bill.

So far, claims paid out on Katrina add up to $64 billion— and this amount only accounts for those who’ve been paid on their claims through 2006. By the end of last year, the private insurance companies had paid $41 billion. These same companies essentially handed a $23 billion bill to American taxpayers for damages that these private companies determined for themselves that flood waters had caused. How generous that the private insurance industry only stiffed the U.S. taxpayers for 36% of the bill, so far.

On his official government website, Congressman Gene Taylor, a good Democrat from the Katrina ravaged Gulf Coast of Mississippi, has an incredible collection of “documents that suggest fraud by insurance companies in the handling of Katrina wind and water claims.” These documents appear to officially direct claims adjusters with such doozies of corporate policies like this one from Nationwide “if loss is caused by both flood and wind there is no coverage.”

NO coverage?!

Or this doozie from State Farm that instructed adjusters that “where wind acts concurrently with flooding to cause damage to the insured property, coverage for the loss exists only under flood coverage.”

Dale’s Foot-in-Mouth Disease
Dale’s insults to Katrina’s survivors continued. The Clarksville Press Registry reported

The enormous impact from Hurricane Katrina should leave Mississippians wondering if they should live "in harm's way," State Insurance Commissioner George Dale.

Let’s see now. According to the U.S. National Oceanic and Atmospheric Administration

“Populations and built environments in coastal watersheds are growing rapidly, with 55 percent of the U.S. population already living within 50 miles of the
coast.”“The Coastal Community Development Partnership” National Oceanic and Atmospheric Administration (NOAA)

The Coastal Community Development Partnership brings together NOAA and EPA offices to better support state and local governments as they promote safer and smarter development along the coast.

Is Commissioner Dale suggesting that 55% of the U.S. population move inland? Katrina’s devastation went well over 100 miles inland. How far inland would he recommend that over half of America’s families move? 150 miles inland? 200 miles? How would he recommend accomplishing that? If it isn’t hurricane country, it’s tornado country or blizzard country or earthquake country.

Dale should focus on doing the job to which he was elected rather than pretending to be the grand master of city planning.

Mr. “I-can-do-my-job” shouldn’t have one
In his impromptu speech before the state’s annual Municipal League conference held on the Gulf Coast this week, Dale repeated this mantra many times “I can do my job.” Thanks to John Leek at Cotton Mouth Blog, another Gulf Coast blog, we have video of Dale’s public admission.

Considering the man has been in the pocket of the very industry he has been responsible for regulating in the 32 years Dale’s been elected to this office, I’m glad to hear him admit that he can do his job. The question, of course, is “when is he going to start?”

Verrrrry Interesting
Before the Lions Club, Dale continued his showmanship in demonstrating his expertise in the foot-in-mouth department. "Can we survive another (Katrina) . . . ?" Excuse me?! This from a man who has all but prostituted himself for the insurance industry that has made recovery all but practically impossible for everyone involved?! Thanks to Dale’s buddies in the insurance industry and their shameless flackey with this Mississippi Insurance Commissioner, surviving Katrina has yet to come to a resilient conclusion.

When I read those highly insensitive words, I thought of the ever popular 1970’s comedy show Rowan and Martin’s Laugh In. The show had a character named Wolfgang, the Nazi soldier who would pop up behind bushes to say the infamous line "Verrry interesting...but schtupit!"

Yep. That's schtupit, alright. George Dale needs to voluntarily retire and work directly for the insurance industry he has protected from any real regulation.

Personally, I think the real question is this. "Should the good people of Mississippi even entertain the thought of surviving another year with an Insurance Commissioner who is a mouthpiece for an industry that ripped off the families and businesses of the Katrina-ravaged regions of the Mississippi Gulf Coast and New Orleans?!"

The answer is no.

Dale’s handling of the Katrina disaster alone should have the Democratic voters in South Mississippi sending this guy packing come the August primary.

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Valuing America’s Families

Early yesterday morning before the sun rose high in the sky to beam its beautiful—and hot as Hades—rays upon the Mississippi Gulf Coast, I put in a couple of hours sanding base boards and such. The sander fits my tiny hand pretty well, and its light weight nature makes it easy on me. I’ve been dealing with it for a number of days by now, and I guess, that I’m getting pretty good with it and pretty fast with the process. I will confess, however, I DO . . . NOT . . . LIKE . . . doing this.

I’m a petite woman with an extremely high energy level and whose well toned and agile muscles are located between my ears rather than in my physical body. On more than one occasion in my life, I’ve been told I have more energy than the Energizer Bunny. This has come in mighty handy throughout the years when I’ve had to go long hours in electoral campaigns or in the corporate world. However, this post-Katrina physical labor wears . . . me . . . out.

I find myself becoming a bit agitated with it and a bit grumpy at the challenge that doing this kind of work creates. In my exhausted stupor—which comes in full speed about 2 hours after I happily crank up the sander, I always think of those in this Katrina-ravaged area who have been here dealing with the physical, emotional, and financial toll the hurricane imposed.

In addition to that, I think about the betrayal everyone has felt from a White House occupant who remained on vacation while Katrina gathered strength and did nothing to help the states, cities, and the Gulf Coast and New Orleans residents in the face of what was about to happen. And who still does nothing to help with anything remotely resembling good old fashioned leadership.

Then to have the insurance companies deliberately betray consumer trust and outright refuse to cover legitimate claims had to have been another nightmare.

I cannot imagine what it must have been like to watch as your home was swept away with the ferocious winds or the wind driven water . . . or to learn that all that you have left of your life is the set of clothes you and your family packed for the few days you thought it would take to return home or to watch, as my own family members did, water come into a home that has been a safe haven for its entire 43-year existence.

So many homes are gone. We were lucky because the family home remained standing though the roof poured water into the attic and water rose four and a half feet or so and placed about 8 inches in the house itself. I reflect on the various stories I’ve been privileged to learn.

Southern Hospitality, Goldie Locks, and Through the Looking Glass
A few weeks after I arrived for what I had intended to be a short visit back in March of this year, I attended a St. Patrick’s Day event at the local Internet Café, the Mockingbird Café. My brother Michael introduced me to two women who were sisters. For a time, their dad had carpooled to work with our dad. Both of our dads worked at Avondale Shipyards, some 90 minutes away—one way, if the roads were clear and there was no fog, rain, or other intemperate weather as is often the case in these parts.

Anyway, let’s call one of the sister’s Mary. Mary told me her Katrina story. As the storm proceeded to rain upon this area, she, her kids, and her best friend ended up crawling into the attic and eventually on to the roof to escape the water. She said that they were holding on for dear life. They noticed that a lot of houses were floating by them. Shocked, of course, at this entire nightmare, there greatest shock was soon to dawn upon them as they realized that the other houses were NOT floating at all.

Rather it was THEIR house that was floating away with them holding on for dear life! Mary tod me her story without choking up. Rather, in typical fashion for the New Orleans and Mississippi Gulf Coast region, she was laughing.

Indeed, a sense of humor about the whole Katrina experience wards off the adverse effects of the stress of the storm and the betrayal experienced at the hands of the Bush Administration’s failed FEMA leadership as well as the hands of the insurance industry.

After Katrina passed, Mary and her family went looking for others in the area. No one was around. They went to a neighbor’s house whose second story was still in good condition. They showered and slept. She said that she knew very well that her neighbors would welcome their presence. Before they left, they took care to make the beds. Sort of like Southern hospitality and manners meets Goldie Locks and the Three Bears in an Alice-in-Wonderland-Through-the-Looking-Glass reality.

Katrina Fatigue
So as I am feeling the exhaustion and a myriad of other things, I imagine what it is like for anyone who actually stayed and went through the storm itself. I need go no further than my own family. Two of my brothers stayed at the house through Katrina.

Why, you ask?

Because historically it has been the safest place in the county. Built in 1962, it has gone through every hurricane relatively unscathed save knocking down the trees. Camille did a bit of roof damage, but nothing traumatic.

After Katrina, my brothers pulled up carpet, tore out walls, helped out neighbors. My brother from New Orleans also went back to the city to check on and deal with his own house there, the home of his daughter’s mother, and various relatives and friends. To this day, he has been unable to get a plumber to show up and install the new hot water heater he has had for quite a long time.

A friend of mine recently visited the Gulf Coast for a work meeting. He remarked that he felt that folks down here were experiencing Katrina Fatigue. Yes, of course, they are. An overall sense of abandonment is almost palpable.

We’re the greatest nation on Earth, but since the current set of folks moved into our White House, caring about the American people and our families evaporated as surely as if Katrina herself had blown away such a traditional notion.

We like to pride ourselves on American ingenuity, our stick-to-itiveness. Yet, the national dialogue on our public airwaves focuses on Paris Hilton’s time in the slammer rather than the imprisoned feeling Katrina’s survivors are experiencing after the storm slammed these shores.

We are the wealthiest nation on the planet with a White House that loves to cloak itself with religious overtones, yet neglecting the real and ongoing needs is its modus operandi. Having returned to the town of my upbringing, I recall easily the songs we sang at Mass while I was growing up. (Please excuse the sexism.) But the words go like this. “Whatsoever you do to the least of my brothers, that you do unto me.” I guess Bush and his callous conservative crowd skipped those lessons.

For many of us inside and out of this Katrina-ravaged region, we understand the universal message of caring for others, being of service to others, giving a helping hand to those whose hand we can so easily touch . . . if only we would.

The current Administration talks of compassion, they don’t “do” compassion. It talks of American ingenuity and uses our famed “can-do” spirit to its own end, but it places unnecessary obstacles that prohibits our American can-do spirit . . . from doing.

Had we had a different federal leadership coming out of the Oval Office, one that would have been appropriate to the situation, then the folks living through Katrina and picking up the pieces afterwards to put together their lives would have been spared the lunacy and hardship of the “you’re on your own” homeland security policy that the Bush White House implemented.

As I continue my part in renovating my mom’s home, I think about the hardships of my friends and family as well as those of everyone I have met. This puts my personal experience into a larger context that keeps me focused on an attitude of gratitude for what my family has as I continue to wonder . . .

How would these incredible and unnecessary hardships from Bush’s FEMA and the insurance industry have been avoided had we had positive, healthy, appropriate White House leadership? The current administration spits out the phrase “family values” as if a punch line in a joke.

The leadership we had expected would have implemented innovative policies—including aggressively taking on the insurance industry—that demonstrated it really did value America’s families. This kind of White House leadership would have removed rather than placed obstacles in our way. This kind of White House leadership would have unleashed America’s can-do spirit, that uniquely American trait that inspires our ingenuity. That’s the American way.

With a White House leadership that implemented solid policies which valued America’s families, the Katrina fatigue that my friend so keenly observed this past weekend would have been a joyful exhaustion from having worked fast and furiously to rebuild so quickly, to reconstruct our homes, communities, and cities with vision and energy, and to rebound with vitality and vigor.

That’s the America we love, the America we respect, the America we trust. That’s the America in our hearts.

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Wind? Water? More like a Bunch of Hot Air!

Ever since the last drop of Katrina rain passed through the Gulf Coast and the water receded after the levees burst in New Orleans, the insurance industry has been hell bent on implementing at full throttle its great American rip off program. In no time flat did those who had likened their company to good neighbors or to the security of being in good hands issue written instructions on how to maximize what seems to have been their goal: blame Katrina’s damage on flooding.

Let me help the insurance industry become crystal clear on this point. This was a H-U-R-R-I-C-A-N-E! We didn’t call this Katrina, the flood. We didn’t call this Katrina, the tornado. We didn’t call this Katrina, the storm surge. Everybody calls it . . . H-U-R-R-I-C-A-N-E Katrina. Capiche? Now let’s get technical.

The National Oceanic and Atmosphere Administration (NOAO) states on its hurricane preparedness website that “[h]urricane hazards come in many forms: storm surge, high winds, tornadoes, and flooding.”

In other words, a hurricane is a natural disaster consisting of both wind and water. How does one slice and dice the impact of one on the other and the amount of damage directly attributable to each?

Gulf Coast Congressman Gene Taylor (D-MS) testified before Congress that insurance companies were choosing not to pay on claims unless the policy holder provided an eye witness. [See Video: Katrina Insurance Claims Hearing: Rep. Taylor Testimony on the homepage of A.M. in the Morning!]

Can you believe this?! Unethical,? Of course. Heartless? Obviously. Ruthless? Evidently. Maniacal and Evil? Absolutely.

Stupid? No. These corporate execs who made the decision to blame Katrina’s damage on water comes out of value system foreign to most of us of any religious or spiritual background. Seems these execs live in a decency-free bubble where their god, the Almighty Dollar, reigns supreme. There will be no conversions. So, forget any lofty notions of that sort.

What we need are two things. First, we must fully understand how they are getting away with this horrendous travesty. Second, we must understand and implement what we can do to prevent its continuation.

Look, they know how to play us and play the politicians. Moreover, they know how to take advantage of the conflicts of interest that are inherent in the U.S. Government’s National Flood Insurance Program (NFIP).

Yesterday’s piece titled Scamming Policyholders & Taxpayers reported that our federal government has been in the flood insurance business since 1968. The private insurance companies pretty much got out of the flood insurance business “because of the catastrophic and unpredictable nature of floods.” In 1983, the federal government turned over to the private insurance industry the selling, servicing, and adjusting of those policies and claims. This may have been a fine arrangement for those natural disasters that dealt with floods only.

However, when it comes to a hurricane which by its very nature simultaneously involves several types of natural calamities such as storm surge, high winds, tornadoes, and flooding, a conflict of interest rises when it is the private insurance companies that are determining whether damage would be covered by them or by the federal taxpayers. In this instance, the conflict of interest is $23 billion.

So far, claims paid out on Katrina add up to $64 billion— and this amount only accounts for those who’ve been paid on their claims through 2006. By the end of last year, the private insurance companies had paid $41 billion. These same companies essentially handed a $23 billion bill to American taxpayers for damages that these private companies determined flood waters had caused. How generous that the private insurance industry only stiffed us for 36% of the bill.

What a racket! But could companies really be that methodically maniacal to stiff its own customers and the American taxpayers to the tune of at least $23 billion?!

On his official government website, Gulf Coast Congressman Gene Taylor (D-MS) has an incredible collection of “documents that suggest fraud by insurance companies in the handling of Katrina wind and water claims.” The doozies below are from Nationwide, State Farm, and Allstate.

9/4/2005: Nationwide instructed its adjusters that “if loss is caused by both flood and wind there is no coverage.”

9/13/2005: State Farm instructed adjusters that “where wind acts concurrently with flooding to cause damage to the insured property, coverage for the loss exists only under flood coverage.”

6/28/2006: On-site damage assessment by engineer Jerome Quintero of Rimkus Consulting Group for Allstate… concluded that there was “insufficient physical evidence to determine the proportion of wind versus storm surge that destroyed the structure.”

11/4/2005: Jerome Quintero’s damage assessment after revision by Rimkus staff who never visited the site. Quintero’s conclusion of “insufficient physical evidence” was changed to “storm surge and waves destroyed the residence.” Quintero’s name was signed to the revised report without his knowledge.

So there we have it. In the three examples, Nationwide, State Farm, and Allstate seem to be essentially instructing its adjusters to blame Hurricane Katrina’s damage on water alone thereby sticking the American taxpayers with an inflated $23 billion bill.

We haven’t even begun to talk about the rebuilding costs that weren’t covered at all or the folks who didn’t have flood insurance because they believed their policy provided adequate coverage. We haven’t touched on the fact that many like my own family are not in an official flood zone and may not have purchased flood insurance.

What is important, though, is to recognize that what the insurance companies are doing to New Orleans and the Mississippi Gulf Coast can happen to over half the population of our country.

“Populations and built environments in coastal watersheds are growing rapidly, with 55 percent of the U.S. population already living within 50 miles of the coast.”

“The Coastal Community Development Partnership”

National Oceanic and Atmospheric Administration (NOAA)

The Coastal Community Development Partnership brings together NOAA and EPA offices to better support state and local governments as they promote safer and smarter development along the coast.



The name of the game is to be informed and to take action.

Yesterday, we discussed the need to eliminate the insurance industry’s exemption from the anti-trust law governing business throughout our country. Right now, the Senate is considering the Insurance Industry Competition Act (S. 618), which will make it illegal for the insurance companies to collude with each other for things like price fixing and claims adjustment. Go here to tell your two U.S. Senators that you support the Insurance Industry Competition Act.

Today, we take action to protect ourselves from the inherent conflict of interest created because the insurance industry gets to determine for our federal government the amount of damage allegedly attributable to flooding at the same time the private insurance industry is determining the damage at the same property that it will attribute to wind.

Congressman Taylor has introduced H.R. 920, which amends the National Flood Insurance Program. In his testimony before Congress, he stated, “in response to the fact that the insurance industry apparently no longer wants to over people for wind damage in coastal America, or will not provide that coverage at a cost that is reasonable, I am asking you to consider legislation that will expand the National Flood Insurance Program to include all natural perils.”

Taylor explains that under the rules of the House of Representatives, the insurance plan would have to be financed in a way that pays for itself. “Thus, any argument that this would be taxpayer-subsidized would be eliminated. Under the new rules of the House, that is not an option.” What Taylor is referring to is that when the Democrats were swept into office last November, Speaker of the House Nancy Pelosi instituted strong fiscal controls on spending. She ended the fiscally irresponsible era under Republican leadership.

Lastly, Taylor stated, “This problem affects thousands of people. Quite frankly, people should be encouraged to get out of coastal areas in a time of a storm, rather than encouraged to stick behind with a camera to record the event.” Amen to that!

Speaking of the Amen Corner, former Congressional Speaker of the House Newt Gingrich (R-GA), that compassionless conservative crony, has already come out against national disaster insurance. What a shock! The only thing those so-called conservatives are interested in is conserving their power.

During the apex of his reign in Congress, Gingrich accepted almost $425,000 in political contributions from the insurance industry coffers. Newt being a mouthpiece for an industry that has so blazingly betrayed the American people and her families isn’t all that shocking these days.
And just as the wind got knocked out Newt’s political sails, we can partner with Congressman Taylor to take the wind out of the insurance industry’s selling to us wind insurance policies on which they fail to appropriately pay out after a natural disaster.

Today, we can call and email our congressional representatives to request that they co-sponsor H.R.920, which is called the Multiple Peril Insurance Act of 2007.

After all, the more this private industry continues to push their wind vs. water rationale, the more it sounds like nothing more than a bunch of hot air.

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When You’re Up to Your Ass in Alligators . . .

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Nine-foot gator caught near homes in Waveland

Geographically and culturally speaking, the Mississippi Gulf Coast shares a great deal with our neighboring South Louisiana region. Of course, the gnats and mosquitoes travel miles without regard to geography. The more exotic habitat such as alligators and the like in bayou country up the road is simply not part of the beach town ambiance.

So when a 9½ foot alligator was found in a ditch of three feet of water near a school bus stop in Waveland, Miss., I thought to myself, “what the $#%&!”


Here’s the deal. After Katrina, the state of Mississippi loaned the Gulf Coast’s cities $79 million for cleaning up the hurricane’s debris. Some of the cities on the eastern coastline have rebounded enough to recover the loan money from its tax revenues. That isn’t the case with Waveland and Bay St. Louis.

Of the $79 million, Waveland received a $4.5 million loan, my hometown of Bay St. Louis received an $8 million loan, and the Bay-Waveland school district received an $11.5 million loan. Those debts—plus interest—are due in October, barely two years after the nation’s worst natural disaster in our history demolished these cities. Remember, these were two of the three tiny beach towns that comprise Katrina’s ground zero.

What impact will the demand for the money have on these tiny coastal beach towns?

Waveland and Bay St. Louis won’t have the money to fix drainage problems. Today, Waveland has four public works employees; however it had 27 employees prior to Katrina. Without money, the drainage problems will persist. The real life consequences endanger everyone, including children. Regarding the alligator near the bus stop, Waveland Mayor Tommy Longo said "You think those parents weren't ticked?"

In Bay St. Louis “street paving projects and drainage work that would solve the city's flooding problems will be put on hold or canceled until the debt can be repaid, Mayor Eddie Favre said,” reported The Clarion-Ledger. The Bay won’t have money to hire police and firefighters or put up street lights either. You know, the basics for residential and business development.

In a debate on the House floor, Gulf Coast Congressman Gene Taylor (D-MS) characterized the fiscal strength of “little towns like Waveland, Bay St. Louis, Pass Christian, that have no tax base because their stores were destroyed in the storm, a county like Hancock County, where 90% of the residents lost everything, or at least substantial damage to their home . . . .” [See the video. Quite an education in Republican tactics, priorities, and values.] Yet somehow the towns are supposed to come up with money for this epic-sized natural disaster cleanup. Part of the “you’re on your own” Republican view of government, I suppose.

Hold on there. Isn’t this one of the reasons we pay federal taxes?“What’s not happening here is indicative of a dysfunctional government, and that affects everyone. That’s why folks throughout the country should be concerned about the recovery process. We are all for a highly efficient, functional government, and what we have is its diametrical opposite.

“We are already paying the taxes for all the services you could hope to have available in emergency disaster situations like Katrina. And we’re not getting it. We have to take this back and hold the government accountable.”

— Michael Rosato, owner, Cinemagic Audio-Video.

The Bush Administration has not ensured that it is reimbursing Mississippi and Louisiana for its recovery costs. Federal Emergency Management Agency (FEMA—that four letter word, again) is withholding the money. The administration insists that the towns and cities of Mississippi and Louisiana paid too much money to remove Katrina’s debris. When Bush vetoed the Iraq Accountability Act, he vetoed money for Katrina relief including waiving the matching requirement that is putting a great deal of unnecessary burden on the towns and cities in the Katrina-ravaged area.

How ironic that the White House that is hell bent on handing no bid multi-billion dollar contracts to the largest Bush-Cheney campaign contributors (i.e. Halliburton) would insist that in the days after Katrina, the areas impacted would have to go through a traditional bidding process complete with re-bidding should the cost be pricey.

The administration is noticeably silent on paying Riley Bechtel, another major campaign contributor, to transport FEMA trailers 70 miles at a gargantuan price of $16,000 per trailer. Yet, Bush’s FEMA is holding these city and county officials to a standard that is unfair given the extraordinary circumstances.

I’m a former management auditor for the state of Tennessee and the city of San Francisco, and we followed the Generally Accepted Government Auditing Standards (GAGAS), also known as the Yellow Book. I fully agree that the traditional bidding process should be followed with very few exceptions. Clearly, the worst natural disaster in our history qualifies for this exception.

Heck, after 20 months of looking for a contractor to renovate our family home, we were ecstatic when we found someone. Yes, it would be very nice to have gotten several bids and negotiate hard like we would under regular circumstances. But these circumstances are soooooo out of the ordinary. We’re grateful to have someone whose work we trust, whom we feel is trustworthy, and who will get to it quickly.

Surely to goodness, with Bush’s FEMA being AWOL in Katrina’s wake, these towns and cities did the best they could.

St. Bernard Parish, La., just outside New Orleans, is among the communities waiting for a check. FEMA paid the parish about $100 million for debris removal but still owes about $70 million, said David Peralta, the parish's chief administrative officer. St. Bernard also is waiting for $30 million in reimbursement for sewer repairs, Peralta said.

Peralta said FEMA has "kind of implied" that it is looking into whether the parish paid reasonable rates. Peralta defended the Katrina contracts, saying officials tried
to solicit competitive bids without delaying the work.

"We didn't have a whole lot of choices in those first few days," he said.

Look, we have a great saying down here. When you’re up to your ass in alligators, it’s hard to remember that the point was to drain the swamp. In this instance, Mississippi and Louisiana are painfully cognizant of all that needs to be done to restore the region to its pre-Katrina vibrancy including taking care of the drainage problems.

While the Bush Administration chooses to be caught up with the dumb ass—another colorful Southern phrase, we can choose to focus our attention on a few things at our fingertips that will help drain the political swamp in Washington, DC, particularly the White House.

You know what that means? It’s political hell-raising time! Molly Ivins would be so proud.

Cal your congressional representative and two U.S. Senators to request that they work with Gulf Coast Congressman Gene Taylor (D-MS) and Louisiana Senator Mary Landrieu (D-LA) to resolve this issue favorably on behalf of Katrina’s survivors.

Go here for phone script to use when calling your U.S. Senators. Go here for a letter to email. Here is a link to find contact information on your U.S. Senators.

Go here for phone script to use when calling your U.S. Congressional Representative. Go here for a letter to email. Here is a link to find contact information on your Congressional Representative.
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