Santa Barbara's ABC Affiliate Airs Compelling 2-Part Original Katrina Series

by Ana Maria

Last night, the Santa Barbara ABC affiliate interviewed Kevin Davis, a budding would-be reporter who had just returned from his self-financed trip to the Katrina-ravaged region. In his interview on InFocus, Kevin aired part 1 of his two-part video titled Katrina Revisited.

Kevin’s mini series demonstrates compellingly the devastating financial crisis that can befall the 55% of Americans who live within 50 miles of our nation’s beautiful coastlines. His series demonstrates further that Taylor’s multiple peril insurance proposal is the answer to protect the financial security of everyday Americans who work hard, play by the rules, and expect an insurance policy to provide the financial security we pay for it to provide.

While doing his research long before coming to the area, Kevin came across my blog A.M. in the Morning! which I had posted on my Daily Kos diary. Regular readers know I focus exclusively on real life inside Katrina Land, with a specific focus on the Mississippi Gulf Coast. Kevin decided to contact me to share his plans to come to New Orleans. I recommended that he consider including three parts of the Katrina story that would surely be overlooked by most of the mainstream programs.

1. The ongoing devastating economic harshness of living on the Mississippi Gulf Coast.

2. How the insurance companies have played a major role in preventing its policyholders like Joe De Benvenutti and Congressman Gene Taylor and plenty of other throughout the Katrina area from rebuilding their homes, businesses, lives, and communities.

3. The absolute necessity of passing the multiple peril insurance policy that Gulf Coast Congressman Gene Taylor (D-MS) sponsored, legislation that is now a part of the federal flood insurance reauthorization bill on which Congress will soon vote. Brilliantly, Kevin incorporated everything into a two-part short video, the first part of which aired last night on Santa Barbara’s popular Sunday evening program InFocus during his interview on the program.

Here is part 1 that Kevin showed on InFocus.



I’m hoping that the popularity of Kevin’s interview and the compelling story he revealed in part 1 of this series will assist in guaranteeing that he will land a follow-up interview where the second part can also be aired. In Part 2, Kevin addresses the multiple peril insurance act directly and ends the piece with his interview with Congressman Taylor, the original sponsor of this landmark legislation. The congressman's interview provides undeniably persuasive and convincing reasons that the nation must offer its citizens one policy for both flood and wind damage, a policy option which private industry does not offer.

My favorites in the series are Congressman Taylor, Joe De Benvenutti, and Lisa Palumbo. In the spirit of full disclosure, however, Kevin also included two clips of yours truly as well.

Taylor told Kevin,

“People say ‘Well, gee. How is it the flood program loses $19 billion the same year that the insurance industry collectively cleared about $60 billion?’ Well, it’s no coincidence. The tax payers paid bills that the insurance companies should have paid.”

Taylor explained how families and businesses benefit from his proposed multiple peril legislation.

“and you can buy an option on your flood insurance for all perils. So that whether the wind did it, the water did it, if you come home to a slab, if you come home and your home was substantially destroyed, it doesn’t matter.

If you built it the way you were supposed to, if you paid your premiums, and the storm gets it, you’re gonna get paid. You don’t have to hire a lawyer. You don’t have to hire an engineer . . . and wait years to get the check that you should have gotten within days.”

That is how is should be.



To help propel the airing of this second part—seen here courtesy of Kevin Davis and A.M. in the Morning!;), let’s channel our political hell raising energy into contacting the station to request that they air Part 2. Santa Barbara is an important media market.

Contact the station know that their budding reporter has provided the world with a gift and that we’d like them to consider bringing him back on to show part 2. As always, A.M. in the Morning! provides a phone script with the phone number to achieve this important goal to help get this series aired in an important media market.

Hopefully, this bright, young, energetic, soulful man’s two-part series will also launch his new on-camera reporting career. Our nation needs more reporters who deliberately seek out the stories that need talents like Kevin’s that can tell the story in a movingly compelling manner.


Kevin Davis works as a production assistant for KEYT-TV, an ABC affiliate in Santa Barbara, CA, and is currently looking for his first reporting job. Last week, A.M. in the Morning! published an interview with CNN’s Kathleen Koch that Kevin Davis shot here in Bay St. Louis. Kevin can be reached at 925-788-1803 and kdavis2600@gmail.com.


© 2007 Ana Maria Rosato. All rights reserved.
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Hurricane George: How the White House Drowned New Orleans

Note from A.M. in the Morning! MUST read. An internationally acclaimed award-winning investigative journalist who works for the BBC, Greg Palast is a native Californian whose work also broke the story on the stolen 2000 election. I admire, trust, and respect Palast's brilliant investigative journalism, and he's a personal friend as well.

Originally published August 23rd, 2007 at GregPalast.Com

by Greg Palast
August 23, 2007

It’s been two years. And America’s media is about to have another tear-gasm over New Orleans. Maybe Anderson Cooper will weep again. The big networks will float into the moldering corpse of the city and give you uplifting stories about rebuilding and hope.

Now, let’s cut through the cry-baby crap. Here’s what happened two years ago - and what’s happening now.

This is what an inside source told me. And it makes me sick:

“By midnight on Monday, the White House knew. Monday night I was at the state Emergency Operations Center and nobody was aware that the levees had breeched. Nobody.”

The charge is devastating: That, on August 29, 2005,

the White House withheld from the state police the information that New Orleans was about to flood. From almost any other source, I would not have believed it. But this was not just any source. The whistle-blower is Dr. Ivor van Heerden, deputy director of the Louisiana State University Hurricane Center, the chief technician advising the state on saving lives during Katrina.

I’d come to van Heerden about another matter, but in our talks, it was clear he had something he wanted to say, and it was a big one. He charged that the White House, FEMA and the Army Corp hid, for critical hours, their discovery that the levees surrounding New Orleans were cracking, about to burst and drown the city.

Understand that Katrina never hit New Orleans. The hurricane swung east of the city, so the state evacuation directors assumed New Orleans was now safe - and evacuation could slow while emergency efforts moved east with the storm.

But unknown to the state, in those crucial hours on Monday, the federal government’s helicopters had filmed the cracks that would become walls of death by Tuesday.

Van Heerden revealed:

“FEMA knew at 11 o’clock on Monday that the levees had breeched. At 2p.m. they flew over he 17th Street Canal and took video of the breech.”

Question: “So the White House wouldn’t tell you the levees had breeched?”

Dr. Van Heerden: “They didn’t tell nobody knew. The Corps of Engineers knew. FEMA knew. None of us knew.”

I could not get the White House gang to respond to the charges.

That leaves the big, big question: WHY? Why on earth would the White House not tell the city to get the remaining folks out of there?

The answer: cost. Political and financial cost. A hurricane is an act of God - but a catastrophic failure of the levees is a act of Bush. That is, under law dating back to 1935, a breech of the federal levee system makes the damage - and the deaths - a federal responsibility. That means, as van Heeden points out, that “these people must be compensated.”

The federal government, by law, must build and maintain the Mississippi levees to withstand known dangers - or pay the price when they fail.

Indeed, that was the rule applied in the storms that hit Westhampton Dunes, New York, in 1992. There, when federal sea barriers failed, the flood waters wiped away 190 homes. The feds rebuilt them from the public treasury. But these were not just any homes. They are worth an average of $3 million apiece the summer homes of movie stars and celebrity speculators.


There were no movie stars floating face down in the Lower Ninth Ward nor in Lakeview nor St. Bernard Parish. For the ‘luvvies’ of Westhampton Dunes, the federal government even trucked in sand to replace the beaches. But for New Orleans’ survivors, there’s the aluminum gulag of FEMA trailer parts. Today, two years later, 89,000 families still live in this mobile home Guantanamo - with no plan whatsoever for their return.

And what was the effect of the White House’s self-serving delay?

I spoke with van Heerden in his university office. The computer model of the hurricane flashed quietly as I waited for him to answer. Then he said, “Fifteen hundred people drowned. That’s the bottom line.”

They could have survived Hurricane Katrina. But they got no mercy from Hurricane George.

**********
For the rest of the story, get the DVD, “BIG EASY TO BIG EMPTY: The Untold Story of the Drowning of New Orleans,” as reported by Greg Palast from Louisiana for Democracy Now - with Amy Goodman and the music of “the city that care forgot.” Watch a clip on our Youtube page.

And read the full story of our investigation in the added chapter on New Orleans in the new paperback edition of “Armed Madhouse: from Baghdad to New Orleans - Sordid Secrets and Strange Tales of a White House Gone Wild.” Click here to donate to our Investigative Fund and receive a book signed by Greg Palast as a gift from us.

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Bush’s FEMA Again Lifting Wrong Finger for Katrina’s Families

by Ana Maria

With Katrina’s 2nd anniversary a week away and eyes glued to following Hurricane Dean’s path, evidence of post-Katrina stress abounds. From short tempers and increased alcohol and drug usage to low expectations that life can ever return to even the worst of pre-Katrina days to people whispering about various friends and family members in good health but who all of a sudden die without warning. In hushed tones, they share with me their various conclusions on the cause of death.

• Katrina took away their will to live.
• The stress of post-Katrina survival got to them.
• When the insurance companies failed to own up to their financial responsibilities to pay on wind policies, it killed ‘em—they checked out.

Mental illness is double the pre-storm levels, rising numbers suffer from post-traumatic stress disorder, and there is a surge in adults who say they're thinking of suicide. . . .

The big surprise: Post-traumatic stress disorder (PTSD), which typically goes away in a year for most disaster survivors, has increased: 21% have the symptoms vs. 16% in 2006. Common symptoms include the inability to stop thinking about the hurricane, nightmares and emotional numbness.

Katrina victims struggle mentally
USA Today
8.16.07

The nation’s worst natural disaster is playing havoc with our coping mechanisms, and Bush’s FEMA is playing havoc with how they interpret the rules that should afford some much needed funding for mental health services in the Katrina-ravaged area.

An Associated Press story reported “FEMA has refused to assist the institutions that those people were referred to and it has not explained why."

"A government survey released [August 15, 2007] to USA TODAY shows no improvement in mental health from a year ago."

Katrina victims struggle mentally
USA Today
8.16.07

Maybe that’s because FEMA can’t explain the cruel and compassionless policies flowing out of a “you’re on your own” Bush White House philosophy. What is Bush to do? Admit that he only believes in spending taxpayer money on bloated contracts with his friends? Fat chance. Instead, he and his ilk have surrounded themselves with similar conscious-free types whose mission seems to be to spend the least amount as possible when it comes to helping Americans.

FEMA ran its Project Recovery Program as a referral service only, and chose not to provide funding for mental health professionals to counsel Americans temporarily going through this horrific disaster. Not exactly helpful, particularly when Katrina displaced the area’s mental health professionals—just as it has so many others in the hurricane’s aftermath.

This is crazy—then again, so much that the Bush Administration has done is pure madness. Yes, pure madness. FEMA does fund short-term crisis counseling after disasters. That’s right. FEMA has done so for 25 years.

“The Crisis Counseling Program [has] been supported in the past twenty-five years by the Federal government, provides for short-term interventions with individuals and groups experiencing psychological sequelae from Presidentially-declared disasters.”

Well, if that don’t beat all. Here’s an excerpt from a U.S. Government agency website— Substance Abuse and Mental Health Administration, a division of the U.S. Department of Health and Human Services.

The Federal Emergency Management Agency (FEMA) provides supplemental funding to States for short-term crisis counseling projects to assist survivors/victims of Presidentially declared major disasters. FEMA supplements, but does not supplant, mental health services traditionally provided by State and local mental health agencies. The Crisis Counseling Assistance and Training Program (commonly referred to as the Crisis Counseling Program) was first authorized by the U.S. Congress under the Disaster Relief Act of 1974 (Public Law 93-288) and later modified by the Robert T. Stafford Disaster Relief and Emergency Assistance Act of 1988 (Public Law 100-707). FEMA is responsible for administering the disaster assistance programs of the Stafford Act, including Federal assistance for crisis.

A major disaster, as defined by the Stafford Act, is any natural catastrophe, or regardless of cause, any fire, flood, or explosion, which in the determination of the President causes damage of sufficient severity and magnitude to warrant major disaster assistance to supplement efforts and available resources of States, local government, and disaster relief organizations in alleviating the damage, loss, hardship, or suffering caused by the disaster.

So there we have it. FEMA pays for mental health care crisis counseling, but the Bush Administration is apparently playing politics with the tax dollars that could be and should be helping Katrina’s Americans cope with the myriad of Katrina-related mental health problems.

How cruel. How categorically cruel for the Bush Administration to deny access to federal funding when the money can be used for such a critical service for its people. AND this isn’t exactly breaking new ground as the U.S. Department of Health and Human Services’ website explains that disaster crisis counseling programs are part and parcel of what it provides.

Disaster Crisis Counseling Programs are a departure from traditional mental health practice in many ways. The program is designed to address incident specific stress reactions, rather than ongoing or developmental mental health needs (CMHS, 1994). Programs must be structured and implemented according to Federally established guidelines and for a specific period. Emphasis is on serving individuals, families, and groups of people - all of whom share a devastating event that most likely changed the face of their entire community.

Yet, Bush’s FEMA denies funding for this critical service for Katrina’s Americans. This is yet another example of the Bush Administration’s cruel and compassionless core values. Bush talks compassion and walks cruelty. And the impact of Bush’s FEMA policy is evidenced everywhere.

Whether we are adults or children. Katrina has negatively impacted our collective mental health. In Trauma shapes Katrina's kids, USA Today wrote

New Orleans pediatrician Corey Hebert dreads the rainy weeks when he knows he'll face about 20 sobbing, screaming children in full-blown panic attacks.

"They can't be calmed because they're terrified another hurricane is coming," he says. Parents bring them in because there are no therapists around.

In Mississippi, FEMA is taking away $4.5 million of federal dollars that could be used for counseling any aged survivor trying to cope with what many call post-Katrina syndrome. Again, the U.S. government agency website stated

The Crisis Counseling Program is unique in comparison to the mix of Federal programs made available through a Presidential disaster declaration. It is the one program for which virtually anyone qualifies and where the person affected by disaster does not have to recall numbers, estimate damages, or otherwise justify need. The program provides primary assistance in dealing with the emotional sequelae to disaster.

The only thing we’ll have to watch out for is the Bush Administration demanding that the counseling be laced with religious overtones or allowing the federal dollars to go to unqualified professionals, particularly those who support Bush’s desire to mix his religious beliefs with our very secular government. He’ll have us praying his way.

Believe me, down here everyone is praying. The old saying “pray to God and row to shore” has us asking for help with the rowing part, not the praying part.

Good Lord! If folks want religion and government intertwined, they can move to Iran or Saudi Arabia where government and religion are laced together. Don’t care for that? How’s about Afghanistan where the pathetic fools called the Taliban foist their own ignorant macho cruelty upon its prey all under the veil of “religion.” Don’t like the Middle Eastern example? How’s about reviewing recent history in Ireland with two factions of Christianity did its gut level best to shove its own views on the other in rather violent fashion. A rather bloody mess came about, to say the least.

Religion and government don’t mix well. That’s the reason the founders of our nation placed Freedom OF Religion as part of our Constitution’s First Amendment. Freedom of . . . and its implied Freedom FROM. Remember, the founders were often those who had fled Britain’s King George’s religious tyranny. Talk about history repeating itself!

The point here is two-fold. First, our own federal government already has long established post-disaster crisis counseling programs specifically for Katrina-type scenarios. Secondly, we need to be aware of Bush’s propensity to act in a way that laces religion with government—a deadly combination and fundamentally anti-American.

What is beautifully American, however, is the belief that we can make life better for ourselves, our families, our communities, and for others. As Americans, we hold the belief that a new day brings new possibilities to alleviate for ourselves and the next generation the challenges we face today.

Bush and his White House are fundamentally different human beings than the people I run across throughout the Mississippi Gulf Coast and throughout the Katrina-ravaged region who are needlessly suffering at the Administration’s hands. With the sunny optimistic outlook that pegs us as true blue Americans, folks in Katrina Land are trying to fix the problem at hand that Bush’s FEMA has created through failing to offer to our people the mental health services needed.

However, in typical American fashion, folks around here are trying to ensure that FEMA does not force other Americans to suffer needlessly as it has forced Katrina’s survivors to suffer. Ed LeGrand, executive director of the Mississippi Department of Mental Health, “said he was concerned FEMA's rigid interpretation would affect future disaster recovery programs.”

"I did want to set the stage where if there was a significant disaster elsewhere then maybe the feds would be a little more liberal in how they allow the states use those (mental health) funds in the future."

Throughout the Katrina ravaged Gulf Coast region, folks here fight with the Bush's FEMA and Bush's corporate insurance supporters to get all of them to do right. As they fight, these hard-working Americans who’ve been through hell and back do so not only for themselves and their communities, but also to prevent another town, another family from having to experience this horrific, and unnecessary, hardship.

Lifting a finger to help
While the Bush Administration continues to lift the wrong finger to Katrina’s families, businesses, and communities, the rest of America—that would be you and me—can lift a real finger to provide real help. We can help this situation through letting our fingers do the walking and our mouths do a bit of talking. Yes ma’am and yes sir! You know what that means. It’s political hell raising time! Wooohooo!

FEMA’s Director needs our wise counsel to fund professional counselors in the same way the agency has done after other disasters over the last 25 years. So, let’s give him a piece of our mind and gain a peace of mind for ourselves knowing that today, we helped to make a difference in the Katrina recovery.

Today's political hell raising acivity involves one phone call to FEMA Director Paulison to tell him that FEMA must fund mental health services for the entire Katrina-ravaged region from New Orleans and its surrounding areas across the Mississippi Gulf Coast region and on over to Bayou LeBatre, Alabama.

Lifting our fingers this way can help to outweigh the only finger Bush and his gang seem to lift with any regularity to Americans whether in the Katrina-ravaged region or not. This kind of deliberate, targeted political hell raising is one way to simultaneously lift our own finger to the Bush Administration while helping to create the momentum needed to get the funding we need for mental health services here in Katrina Land. We do this, and things will shift positively for us. On that, I have total faith.

Related articles
Trauma shapes Katrina's kids USA Today 8.16.07
Katrina victims struggle mentally USA Today 8.16.07

Gulf Coast kids of every class affected by Katrina USA Today 8.16.07

Katrina rips up the few roots foster kids had USA Today 8.16.07

Portrait of a Troubled Teen Sun Herald 8.11.07

FEMA takes back $4.5M Mspi wanted for mental health facilities Sun Herald 8.11.07


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Pelosi-led group to tour Gulf Coast

Visit to put focus on region two years after disaster
By Maria Recio - McClatchy Newspapers
Posted on Thu, Aug. 09, 2007

WASHINGTON -- House Speaker Nancy Pelosi will lead a delegation of 15 House members to New Orleans and the Mississippi Gulf Coast on Aug. 12-14 to draw attention to the region just before the second anniversary of Hurricane Katrina.

Pelosi, D-Calif., who led a group of 29 House Democrats for last year's anniversary when her party was in the minority, is looking to contrast the Democrats' active response to hurricane victims with that of the Bush administration.

Although the trip is being labeled "bipartisan," it was unclear if any Republicans would be joining the speaker.

House Majority Whip James Clyburn, D-S.C., who will be on the trip, said that after last year's visit, "we set to work meeting with local officials, touring the region and determining the needs around infrastructure, education, health care, public safety and housing. We made a commitment to do better to help the Gulf Coast."

Hurricane Katrina hit the Crescent City and the Mississippi coast on Aug. 29, 2005, destroying homes, schools and buildings, and displacing hundreds of thousands of residents. The initial lackluster response of Federal Emergency Management Agency continues to haunt the Bush administration, but officials say they've since gotten on track.

"We're grateful for the help we've gotten, but we've still got challenges," said Rep. Gene Taylor, D-Miss., who lost his home in Katrina.

Taylor will hold a town meeting for constituents with the visiting members to push for his signature legislation -- multiple peril federal insurance. Taylor's bill would include wind damage as part of the federal flood insurance program in order to prevent the raging legal disputes policyholders are having with insurers over whether homes were destroyed by wind or water. The House is expected to consider the bill in September.

In Louisiana, the lawmakers will visit the Lower Ninth Ward, tour the St. Bernard Health Center, visit a New Orleans school and observe the city's levee system.

Original article here.

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New report by Corps: Who Flooded New Orleans?

Friday, July 13th, 2007

The Hurricane Protection Decision Chronology, a report financed by the US Army Corps of Engineers was released this week detailing all the decisions leading to the flimsy flood protection that New Orleans depended on when Katrina came ashore. The Chronology report proves yet again that the citizens of New Orleans and the nation’s taxpayers deserve the 8/29 Commission, the brainchild of Levees.Org. Here’s why:

1. The Corps of Engineers financed this study. Since the Corps is the sole agency responsible for the design and the construction of the Greater New Orleans’ flood protection, this means the Corps was intimately involved in the investigation of their own work. If you investigate yourself, what do you think you’re going to find?

2. The Corps’ press release stated that the Corps of Engineers was allowed to review the report before it was released for “errors in logic!” You call that independent?

3. Most interesting to me is a sub-report “Local Sponsor Roles” which apparently had been withheld since August 2006, had conclusions which contradicted the main report (found on the last page of Appendix E). The report on Local Sponsor Roles wasn’t nearly so critical of the historic Orleans Levee District as the main report. And besides, why had the report been withheld until now?

The citizens of Louisiana and the nation deserve better. Please click on this link and send a letter to your Members of Congress demanding the 8/29 Commission, an independent analysis of the flood protection failures in Greater New Orleans.

Sandy Rosenthal
www.levees.org

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FEMA trailers: Why was action so tardy?

July 20, 2007

Is the federal government only now getting the message that FEMA trailers might be hazardous to health?

For nearly a year, clarionledger.com StoryChat posters discussed the issue under the topic "Are FEMA trailers 'toxic tin cans?'" until the subject petered out.

It was based on a news report of the same title that ran on MSNBC (http://www.msnbc.msn.com/id/14011193/) in July 2006 and was mentioned in editorials since then about Katrina recovery in The Clarion-Ledger.

It has been no secret, for sure.

Yet, now, suddenly, it seems, the federal government is starting to pay attention - and pass the buck.

Fourth District U.S. Rep. Gene Taylor in February asked the Centers for Disease Control in Atlanta for a "detailed investigation" into whether formaldehyde in trailers was causing an outbreak of respiratory illnesses.

While acknowledging high enough levels of formaldehyde "to cause irritation to eyes, nose and/or throat," CDC and FEMA suggested the effects can be avoided simply by airing out the trailers.

That's not much reassurance for the 65,900 Hurricane Katrina victims still housed in about 24,400 of the trailers in Mississippi - nor, perhaps, should it be to the Native American tribes Congress has authorized the units to be shipped to as cheap housing for reservations.

Congress should investigate for certain if the homes are "toxic tin cans" and how it came to be - and punish those responsible, including repaying taxpayers. Safety of citizens should come first.

Read original at Clarion Ledger.

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Toxic trailers affecting health, well-being

SUSAN WALSH/THE ASSOCIATED PRESS

FEMA Administrator David Paulison, center, listens as former FEMA trailer occupant Paul Stewart, left, testifies before the House Committee on Oversight and Government Reform hearing on his health problems while living in a FEMA trailer after Hurricane Katrina. Lindsay Huckabee, who also lives in a FEMA trailer, is at right.

By BRANDON PARKER and MICHAEL A. BELL
SUN HERALD

At work and at home, Kathy James and Patricia Spain said they are constantly breathing in formaldehyde.

The women work for the Department of Human Services, where temporary trailers were erected after Hurricane Katrina damaged the facility. The women also live in FEMA trailers.

When they leave for work in the mornings, the one thing they can't forget is to open the windows.

"If not, if closed up during the summer, oh, gosh, you open that doors, it's like 'whew - that chemical smell'," said James, a 47-year-old Pass Christian resident.

"It's like when you can't breathe through your nose," she said of some of the symptoms she experiences. "Just a sore throat feeling... . like you have a sinus infection."

The problems began as soon as James moved into her trailer in December 2005. Two months earlier, Spain, 56, moved into her FEMA trailer and experienced similar symptoms.

"I do have sinus infections," she said, adding she constantly is fatigued and is unable to complete simple tasks. Asked to elaborate on how it affects her personally, she said she becomes depressed. "I just stay that way," she said.

"I know... this won't last forever," Spain said. "But that's not the way that I feel."

In Washington on Thursday, the House subcommittee on Oversight and Government Reform heard tales like these that supported their findings that FEMA lawyers discouraged investigations of high formaldehyde levels in Coast FEMA trailers.
Subcommittee chairman Rep. Henry Waxman, D-Calif., called the situation "sickening."

Rep. Gene Taylor, D-Miss., said he sent a letter Feb. 22 to the Centers for Disease Control and Prevention when he heard about the formaldehyde complaints. After not receiving a response until the end of May, Taylor said he knew the FEMA trailer program was in deep trouble.

"FEMA's trailer program has been so horribly mismanaged, I feel inadequate in finding the words to describe it," he said Thursday. "We've tried to work with them in every instance and show them better and more efficient ways to do things, but they have just ignored our efforts.

"This is just another example of a really inept response to the nation's worst natural disaster," he continued. "As someone who represents southern Mississippi, we are still grateful for trailers that were paid for and provided. But we also know the value of a dollar, so we wanted to see things done in [an] efficient and fair manner."

Asked how lawmakers can get FEMA to admit responsibility, Taylor said, "the only way they'll admit the mistake is if you embarrass them."

Sen. Trent Lott, R-Miss., has grown accustomed to the post-Katrina woes of the embattled Federal Emergency Management Agency.

"If the allegations are true, it unfortunately wouldn't be too surprising to South Mississippians, who've had firsthand experience with FEMA since Katrina," said Lee Youngblood, a spokesman for Lott.

"Sen. Lott still believes in many respects (that FEMA) remains a big, out-of-control federal bureaucracy with too much red tape and not enough people willing to take responsibility."

Waxman echoed Lott's demand that those responsible be held accountable.
He said the committee's documents revealed "mistakes and misjudgments."

"We need to learn from them to identify what needs to be fixed to protect the health of the thousands of families still living in FEMA trailers," he said. "And we should do everything we can to make sure that this disgraceful conduct never happens again."

Original post at Sun Herald.

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FEMA Failures Meet Democratic Oversight

by Ana Maria

"We have lost a great deal through our dealings with FEMA," said Paul Stewart, a former Army officer living in a trailer with his wife in Mississippi, "not the least of which is our faith in government."

When a retired military officer has lost faith in Bush’s government, that is a bell weather indicator of what many of us predicted since that horrendous day back in December 2000.

You remember that day in December in which the United States Supreme Court legally stopped the vote counting in a U.S. election. The self-proclaimed greatest democracy on the planet no longer believed that counting the votes counted in determining an election outcome. The case was Bush v. Gore, and a New York Times editorial last August summarized it succinctly.

The Supreme Court’s highly partisan resolution of the 2000 election was a severe blow to American democracy . . ..

And what we’ve learned since that day is just how true it is when we say that elections have consequences. Here we are with another set of scandals that negatively impact American lives directly in a real and palpable manner. One scandal centers on millions of dollars of ice for hurricane survivors melting in the sun. The other on FEMA deliberately weighing the cost of lawsuits against testing for the adverse health effects of its formaldehyde-filled trailers.

Burning Mad
Memphis, Tenn., news organizations reported “[h]undreds of bags of ice once intended for hurricane victims have been melting outside a Memphis warehouse for days and could pose a health risk if consumed. The Federal Emergency Management Agency bought the ice in November 2005 to use during long power outages, like those brought by hurricanes Katrina and Rita.” This is outrageous!

This past weekend, I watched another of Greg Palast’s riveting investigations, Big Easy to Big Empty. I highly recommend it. Palast told the story of a grandfather who gave his grandchildren his last bottle of drinking water. The grandfather died of dehydration.

Days after watching Big Easy to Big Empty, I learn what FEMA did with the ice that could have saved lives such as the grandfather who died of dehydration.



FEMA ice melting in Tennessee 2 years after hurricane

According to the FEMA Web site, the agency had 430 truckloads of ice in 2005. It increased the amount by 400 percent -- 2,150 truckloads -- for the following year. That's enough to provide ice to more than 1 million people for up to 10 days.

One million people?! For 10 days!!! That would have more than helped the entire Katrina-ravaged region to stay hydrated. Apparently, FEMA didn’t bother to have this kind of foresight before Katrina and Rita. That would require planning . . . and caring. Two traits that elude the Bush-Cheney Administration.

On July 4th, the daily Memphis paper, The Commercial Appeal reported "[h]undreds of bags of ice once designated for hurricane victims have sat melting outside an AmeriCold Logistics warehouse . . . Congressman Steve Cohen said citizens have been carting off some of the ice, and he's worried it may pose a health risk." On July 3rd, Cohen actually saw people taking the abandoned ice. Then the company itself moved the ice to garbage cans. What a waste!

"It is appalling to learn of the waste of $67 million in taxpayer money for the purchase, transportation and storage of ice," [Congressman Steve] Cohen
wrote in a letter to [FEMA Director David] Paulison Wednesday. "That an additional $3.4 million is being paid to melt the ice is unconscionable. To consider such waste a part of doing business is a slap in the face of hardworking Americans whose taxes pay our salaries."

FEMA takes heat for ice boondoggle
Cohen vilifies waste of the public's $70 million
July 19, 2007

Cohen on the phone with FEMA about the ice melting in the Memphis sun.
Rep. Steve Cohen
Submitted by WDEF on July 4, 2007 - 5:50pm

Newly elected to Congress last November to represent the greater Memphis area of Tennessee, Cohen (D-TN) has a lifelong history of fiscal responsibility and fighting to protect the public trust. As his website accurately states, he "never falter[s] in his fight for those who do not have the power bestowed by wealth and advantage, realizing that the American dream cannot flourish without constant rededication to its principle." We need more like him in Congress, the U.S. Senate, and the White House.

FEMA’s Headaches
Today, I went inside of a FEMA formaldehyde-filled trailer for the first time. I am coordinating the volunteers who are coming down next month to work on the home of this elderly retired public school teacher whom I love so much that I refer to her as “aunt.” For well over a year now, she and her family—including her school age great grandchild who lives with her—have been breathing in the formaldehyde.

As I sat next to her, my previous piece titled Formaldehyde-Filled FEMA Trailers went through my mind a time or two. I do hope that we can get things situated to move her back into her home by Labor Day. The air in those tiny Barbie doll sized trailers is hazardous to breathe.

When I came home, my FEMA education continued as I read the Washington Post.

. . . since early 2006 [FEMA] has suppressed warnings from its own field workers
about health problems experienced by hurricane victims living in government-provided trailers with levels of a toxic chemical 75 times the recommended maximum for U.S. workers, congressional lawmakers said . . . .

Excuse me?! They have known since a few months after Katrina that these sardine can sized trailers were toxic to the degree of being 75 times the healthy level?! Moreover, they knew of the toxicity in early 2006.

Today’s Washington Post is reporting

On June 16, 2006, three months after reports of the hazards surfaced and a month after a trailer resident sued the agency, a FEMA logistics expert wrote that the agency's Office of General Counsel "has advised that we do not do testing, which would imply FEMA's ownership of this issue." A FEMA lawyer, Patrick Preston, wrote on June 15: "Do not initiate any testing until we give the OK. . . . Once you get results and should they indicate some problem, the clock is running on our duty to respond to them."

What is this? Be responsible, test the FEMA air, protect the American families living in them . . . or be absolutely vile, contemptible, evil. Apparently, Bush’s FEMA has opted for the latter and adopted the Pinto Profit Protection Plan as the lens through which to cost out its options.

Remember the 1970’s case in which Ford decided that it would be financially cheaper for the company to forgo spending the $10 per car to fix the Pinto’s exploding gas tank. The corporation deliberately decided to allow its car to injure families then settle the cases with those individuals that actually pursued a legal case against the Ford Corporation.

My, oh my, oh my. Another of the Bush Administration’s vain attempt to pretend that the emperor has no clothes.

Thankfully, Congressman Henry Waxman (D-CA) who chairs the House Oversight and Government Reform Committee, is politically smart, savvy, and sophisticated. He calls a spade a shovel. When necessary, he picks it up and hits up side the head whomever seems to be needing a verbal hit up side his or her head. At yesterday’s hearing, it was FEMA director, David Paulison. Waxman referred to FEMA’s perspective as “sickening.” At the hearing, Waxman said,

"The nearly 5,000 pages of documents we've reviewed expose an official policy of pre- meditated ignorance." He also criticized the testing standards that FEMA and the Environ- mental Protection Agency used before they even- tually came to the incorrect conclusion, as Paulison stated in May 2007, that "the formaldehyde does not present a health hazard." Trailers were left with windows ajar, air conditioning on and all vents open for days before interior air levels were tested for the gas — conditions that did not nearly approxi- mate actual living conditions. It was only almost a year and a half after the first complaint — and with the looming prospect of a con- gressional hearing — that FEMA decided to act. Just yesterday, the agency announced that it was teaming up with the Centers for Disease Control and Prevention to conduct testing of the air quality in its trailers. [Emphasis added.]

Premeditated ignorance?! How loathsome. Yet, what did Bush’s FEMA director have to say about all of this?

"The health and safety of residents is my primary concern,"

David Paulison FEMA Director

Primary concern, my you-know-what! These folks feign compassion but their handling of Katrina’s before and aftermath demonstrates in clear and convincing ways that they care of no one but themselves and nothing but the Almighty Dollar.

Congressman Jim Cooper, a Democrat representing the Nashville area of Tennessee, spoke poignantly about Bush’s FEMA. "I haven't seen this level of government incompetence outside of the nation of China. . . . And they executed an official in China for not having done their job. No one is asking for that here, but how about a simple application of the golden rule?"

I’m a firm believer in the “what’s-good-for-the-goose” philosophy, myself, if you know what I mean. For the longest time, Paulison spouted the line that Bush’s FEMA trailers pose no real health threat then he and every FEMA employee that is marching in lock step with the White House talking points should demonstrate the strength of their convictions in the Bush Administration’s official advice. They should live in FEMA trailers for a few years.

Should they experience “headaches, burning eyes and throats, nausea and difficulty breathing” or if their noses start to bleed, they can just say a little prayer as they air out their trailers. When that doesn’t work, maybe they’ll turn in their faith-based, factually-free health recommendation for a dose of harsh reality. I wouldn’t count on it, though.The Bushies are more likely to hold their breath than to admit they deliberately deceived the American people with their willful neglect, stupidity, and blind faith in a White House that continues to betray the New Orleans and Mississippi Gulf Coast . . . along with everyone else from the East Coast to the West Coast. As they hold their breath, we can breathe a sigh of relief knowing that at our fingertips we possess the tools to help bring about a better outcome for those families living in formaldehyde-filled FEMA trailers.

Today’s Political Hell Raising Activities center on thanking Congressman Henry Waxman and Congressman Steve Cohen for their leadership. Here are the activities for Waxman, and here for the activities for Cohen. Think about it. When someone unexpectedly praises us for something at work or home, we beam from ear to ear. Our eyes get wide and begin to dance. We stand a little taller. We feel even better about doing whatever it is we did. We feel appreciated and respected.

You know what happens then? We are more likely to do it again. So let’s burn up the computer and phone lines with simple words of thanks and praise. As we do, we’re putting a down payment on a future government that we ourselves deliberately create so that the former Army officers around us can begin again to have faith in our government. And the key phrase is “our government.”

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Ice stored in Memphis for hurricane Katrina victims is thrown away

Memphis, TN- The images are hard to forget. Thousands of people stranded in New Orleans after hurricane Katrina. Hot, hungry, thirsty and looking for a way out. But, there was help ready to go here in Memphis. Who can forget the hundreds of tractor trailers carrying supplies like water and ice sitting idle at the Defense Depot. That ice never made it where it was needed most.

* * *

After not being able to get answers from the company or FEMA, we called Congressman Steve Cohen who met us at the warehouse to see for himself. Cohe said "first impression it looks like a mistake and poor management by fema." The Congressman pulled out his blackberry cellphone and called the person in charge of governement relations for Americold, but their answers were pretty cold. He asked them, "this is government ice? It says FEMA National Finance Center. Who's telling you you can't comment. Miss. Matthews. Miss matthews can't comment." But this icy problem in Memphis could be heating up in the months ahead for FEMA, as congress puts the agency on the hot seat again during subcommittee meetings planned for August in New Orleans. Senartor Cohen said "we've been paying for storage paying for ice and we dump it. People in Memphis has needs, the Federal Government has need and this is irresponsible." Two years ago, some of this ice travelled through many states while FEMA tried to route it to New Orleans where it was needed. It ended up here in Memphis. the problem slowly melting away. [Emphasis added.]

Read the entire News Channel 3 story here.

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Cohen: FEMA wasted $70 million in ice

MEMPHIS, Tenn. (AP) - In his first Capitol press conference, Tennessee Congressman Steve Cohen blasted the Federal Emergency Management Agency for wasting $70 million worth of ice.

Read the Memphis WMC-TV story . . .



Type the rest of the blog here.

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FEMA Knew Of Toxic Gas In Trailers

Hurricane Victims Reported Illnesses

Rows of trailers for those displaced by Hurricane Katrina line the Renaissance Village trailer park in Baker, La. Trailers like these have been found to contain high levels of formaldehyde. (By Ricky Carioti -- The Washington Post)
FEMA Suppressed Health Warnings
Agency may have rejected testing on hazardous formaldehyde levels in Katrina trailers. (Getty)
FEMA Administrator's Statement (PDF)
Congressional Memo (PDF)




Federal Emergency Management Agency since early 2006 has suppressed warnings from its own field workers about health problems experienced by hurricane victims living in government-provided trailers with levels of a toxic chemical 75 times the recommended maximum for U.S. workers, congressional lawmakers said yesterday.

A trail of e-mails obtained by investigators shows that the agency's lawyers rejected a proposal for systematic testing of the levels of potentially cancer-causing formaldehyde gas in the trailers, out of concern that the agency would be legally liable for any hazards or health problems. As many as 120,000 families displaced by hurricanes Katrina and Rita lived in the suspect trailers, and hundreds have complained of ill effects.

On June 16, 2006, three months after reports of the hazards surfaced and a month after a trailer resident sued the agency, a FEMA logistics expert wrote that the agency's Office of General Counsel "has advised that we do not do testing, which would imply FEMA's ownership of this issue." A FEMA lawyer, Patrick Preston, wrote on June 15: "Do not initiate any testing until we give the OK. . . . Once you get results and should they indicate some problem, the clock is running on our duty to respond to them."

FEMA tested no occupied trailers after March 2006, when it initially discovered formaldehyde levels at 75 times the U.S.-recommended workplace safety threshold and relocated a south Mississippi couple expecting their second child, the documents indicate. Formaldehyde, a common wood preservative used in construction materials such as particle board, can cause vision and respiratory problems; long-term exposure has been linked to cancer and higher rates of asthma, bronchitis and allergies in children.

Read the Washington Post story . . .


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Saints Fans March All Over Insurance Companies

by Ana Maria

Having grown up in Saints country, I'm typical of the people in the greater New Orleans area. I love the Saints. I was never so proud as I was the day we all got to take the virtual paper bags off of our heads years back. Then, last year the Saints did the area proud by going all the way to the semi finals of the Super Bowl.

In an area completely abandoned* and left to drown in water that by midnight the day before the levees flooded the great city of New Orleans, I am ever so much more proud because on the Saints' Report akking an Forum, fellow fans are yakking and yakking about the Multiple Peril Insurance Act of 2007 that Congressman Taylor (D-MS) has proposed. ("Yakking" is local speak for talking, chatting.) The thread is titled Congress battling with insurance industry over wind insurance policy reform. Click the link and read the thread.

We are known for our fierce loyalty to our local football team come hell or high water. This thread shows our fierce loyalty to the New Orleans--Gulf Coast region and to our country. . . and our street smarts about politics.

* The New York Times article titled White House Knew of Levee's Failure on Night of Storm published February 10, 2006. Greg Palast's Big Easy to Big Empty is the Untold Story of the Drowning of New Orleans including the fact that Bush's White House knew that the levees were breaking and about to drown the city . . . and did not tell officials with the state of Louisiana or the city of New Orleans. To buy a copy, click on the icon on the right side of the A.M. in the Morning's home page.


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Scruggs' Statement Responding to State Farm’s Latest Salvo

From the Scruggs Katrina Group's website.

State Farm, desperate to shake the dark cloud permanently affixed to their reputation has taken another pass at us. This time they’ve re-released a two-week-old statement penned by the Washington Legal Fund, in an attempt to undermine our efforts on behalf of the families of Mississippi.

While it is tempting to re-release our two-week-old announcement that we filed over 20 counts of RICO charges against State Farm and over 200 additional lawsuits against them on behalf of Mississippi families, brimming with evidence of how “the good neighbor” has systematically defrauded policy holders, we won’t.

Instead we will simply say, we welcome any investigation into the matter of Katrina-related insurance litigation. Bring it on. We know who is hiding the truth. We know who hopes to bury that truth in litigation. Every member of the Scruggs Katrina Group and our clients call on the courts and the US Department of Justice to fully investigate all charges related to insurance industry corruption post Katrina. Unlike State Farm we won’t be taking the Fifth.

###

For more information on the Scruggs Katrina Group's RICO lawsuit, see State Farm, Partners, and RICO: What a Racket! Former Mississippi Attorney General explains well the RICO lawsuit that the Scruggs Katrina Group has filed against State Farm.

Watch the video: Hi-Res Lo-Res
Former Attorney General Mike Moore Explains the RICO Case on WLOX's This Week.

Court Documents: Shows vs. State Farm
Original Complaint (PDF) Exhibits (PDF)
Note: These are large files and may take over a minute to load.

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Leaning On Insurers

Michael Homan's house has been dangerously off-kilter since Hurricane Katrina, but his insurance company has left him twisting in the wind. So he's fighting back.
Sunday, July 15, 2007
By Rebecca Mowbray

Standing in Michael Homan's Mid-City home brings about a slightly queasy feeling of vertigo.

Floors slope sharply to the left, doors quickly slam shut under the pull of gravity and boards that should be at right angles aren't.

The house has been leaning dangerously since Hurricane Katrina, when the Xavier University theology professor felt the house twisting in the wind like a boat in rough seas before one strong gust sent it lurching to the left.

"During the storm it was windy, windy, windy and all of a sudden it got hammered in these big gusts," said Homan, who escaped with his two dogs and the help of some firefighters from Phoenix. He walked most of the way to LaPlace after the levee breaches filled his elevated home with about 3 feet of water.

Homan and his wife Therese Fitzpatrick, a public school teacher, should have been able to repair their home and move on with their lives because they had flood insurance and homeowners insurance on their 215 S. Alexander St. home.

Instead, they're living down the street while two enormous braces prop up their empty home to keep it from falling over. They have filed for Road Home grant money and are suing Allstate Insurance Co. for paying them only $3,944.73 on their homeowners insurance claim for wind damage that they say will cost tens of thousands of dollars to fix. Their house has been deemed a total loss.

"They just nickel and dimed us to death," Homan said. "Our problem was the structural damage. It would have been so easy for them in the beginning to have maxed out the policy."

As the Road Home grant program confronts a $5 billion shortfall, the line of applicants includes people like the Homan-Fitzpatricks, who had insurance to cover most of the Katrina repair bills but found themselves with uncompensated wind damage that has delayed the region's recovery.

Walter Leger, head of the housing and redevelopment task force at the Louisiana Recovery Authority, says he has no idea how many people who were insured but unable to collect on their policies ended up in line for the Road Home program, but he suspects that the Homan-Fitzpatricks are not alone.

"I think there's probably quite a few. They probably are deterred by the fact that to really fight your insurance company, you have to have an attorney. That probably hinders a lot of people," said Leger, a lawyer.

Leger said it's probably easier for people to sign up for the Road Home than to battle their insurance companies, especially since the amount is often only a few tens of thousands of dollars. "The insurance company's job is to give you as little as they can."

The Washington, D.C., nonprofit Taxpayers Against Fraud, said it sounds like the Road Home program is as much a public subsidy to the insurance industry as it is a program to help disaster victims.

"Right now the Road Home program sounds to me like it's being used as an enabler for companies shirking their responsibility and ripping off taxpayers," said Patrick Burns, communications director for the group. "This is a situation in which the system is set up to transfer the liability to the federal government while transferring the profit to the company."

Skinny kitchen

Homan is generally satisfied with the $73,000 he got in flood insurance for his home. He's got his quibbles, such as a few appliances missing from the estimate and his kitchen being measured as an impossibly skinny 2.5 feet wide, but by and large he feels as though the money from the federal flood insurance program will be sufficient to fix his flood damage.

But the homeowners insurance claim with Allstate is a different story. About 10 adjusters visited the house as Homan believes that the Northbrook, Ill., company was trying to drag out his claim and wear him down.

To Homan, the signs are fairly obvious that the slow-rising floodwaters that crept into his house in the wee morning hours the Tuesday after the storm were not the cause of the structural damage, and that the lean of the house was clearly new with the storm.

Unpainted portions of the windows and clapboards were revealed when the house shifted to the left, as the boards separated from where they had resided for most of the past century, revealing unweathered wood. The powerful Greek columns supporting the two story home's upper gallery have split lengthwise under the duress, again revealing unweathered wood. And the house next door is leaning in the same direction as Homan's.

When the team from Haag Engineering Co. finally made it to the house in February 2006 on an inspection that had been ordered in October 2005, the engineers concluded that the tilt was a pre-existing condition. "It was leaning like this before Katrina, is what they're saying," Homan said.

Haag didn't really want to talk with them and was at the property for less than 15 minutes. Homan said he got the feeling the engineers' minds were made up before they arrived. "We knew something was up. They didn't want to talk to us. They were just here for a few minutes," Homan said.

Because the house was at such a lean that he couldn't shut and lock the front door, at some point after the storm, Homan cut a triangle off the bottom of the front door and attached it to the opposite corner of the top of the door to make it fit. When the Haag engineers saw the oddly shaped door, they pointed to it as proof of their conclusion that the damage was long-standing.

"They said, 'Aha. The house was leaning before the storm,' " Homan said. "They ignored all this other evidence."

When Homan finally got the engineering report several months later, it referred to the "Wilson" house and had a picture of someone else's home.

Allstate declined comment on Homan's situation and the Road Home.

"We don't typically discuss individual customer situations," Allstate spokeswoman Kate Hollcraft said. "Allstate has already settled 98 percent of our Katrina-related claims in Louisiana. Each case is considered individually based on the facts and information presented. We continue to work with our customers to resolve any remaining claims."

David Margulies, a spokesman for Haag Engineering, said his company was unaware of any problem with the engineering report of Homan's house.

"Haag is not familiar with this particular individual, but if someone brings an issue to our attention, we will research it and address it," Margulies said.

Sending a signal

Because they needed money to repair and couldn't afford to wait for Allstate, Homan and his family decided to apply to the Road Home program to make up for what Allstate won't pay.

Homan and his family recently were awarded $150,000 from the Road Home: $30,000 to elevate, because their property missed qualifying for ICC by a few inches, and $120,000 for structure damage that was unpaid by insurance.

Despite the Road Home award, Homan and Fitzpatrick are not withdrawing their insurance lawsuit because they feel it's important to send a signal to insurance companies that they need to pay the people who bought policies from them.

"We'd be much happier if they paid our bills instead of taxpayers," Homan said. "I just feel that they've behaved unethically through the whole process. We also have nothing to lose, so we might be their worst enemy."

Burns' group tracks whistleblower lawsuits such as the New Orleans suit unsealed in May that alleges that insurance companies systematically overbilled the federal flood program for hurricane damage while underpaying wind claims. He says the best way for the federal government to help hurricane victims is not to provide rebuilding grants to people who haven't tapped out their insurance, but rather to throw its weight behind a few strong insurance cases against each company to send a message to private industry that the government cares whether it pays its obligations.

"This is a case where government can help, but maybe the best way for government to help isn't to write a check, it's to send a lawyer and a legal brief," Burns said.

Homan and his family applied to the Road Home program because they couldn't wait any longer on Allstate and because the program allows them to recover legal fees for pursuing the company.

Burns applauded Homan and Fitzpatrick for continuing their insurance claim on behalf of others even as their own rebuilding needs have now been addressed.

"He has the immediate need of taking care of this family, and he also has this larger sense of community and national pride. He knows what is right for his family now is wrong for his family over time. My hat's off to him," Burns said. "Will the government please help this man?"

Holding up the money

The Homans' decision to pursue Allstate is also a relief to Louisiana Recovery Authority.

"Good for him," Leger said. "We're all fighting to get more money from Washington. If you assume that his claim is legitimate, the insurance company is holding up Road Home money that could help someone else."

When people get Road Home money, they agree to assign any future insurance benefits to the state of Louisiana, which also reserves the right to pursue insurance claims. Leger said Louisiana Recovery Authority has had several meetings with the attorney general's office about pursuing those claims.

Kris Wartelle, a spokeswoman for state Attorney General Charles Foti, said that key people were out of town and she was unable to comment on what's happening with the Road Home and insurance.

"We are considering looking into some LRA issues. Whether they encompass what you're talking about, I couldn't say," she said.

But Leger takes issue with Taxpayers Against Fraud's charge that the Louisiana Recovery Authority should have prioritized Road Home awards to avoid subsidizing the insurance industry.

Who should have received priority? The uninsured? The elderly? Those with special needs? Those in a certain part of the state? Those below a certain income level? Or those like Homan who took care to buy insurance, but who have been unsuccessful in fighting their insurance companies? Just even identifying people in these groups would have been cumbersome, Leger said.

"I understand the sentiment, and it is a good sentiment, but deciding who gets to the line first is difficult." Leger said. "That's my point: How do you define the most needy?"

. . . . . . .

Rebecca Mowbray can be reached at rmowbray@timespicayune.com or (504) 826-3417.


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Summary of H.R. 920, the Multiple Peril Insurance Act

From the Office of Rep. Gene Taylor

Cosponsors: Maxine Waters, D-CA; Bobby Jindal, R-LA; Charlie Melancon, D-LA; Walter Jones, Jr. R-NC; William Jefferson, D-LA; Jo Bonner, R-AL; Carolyn Maloney, D-NY; Emanuel Cleaver, D-MO; Al Green, D-TX; Wm. Lacy Clay, D-MO; Edward Markey, D-MA; Lincoln Davis, D-TN; Rodney Alexander, R-LA; Donna Christensen, D-VI; Bennie Thompson, D-MS; Henry Cuellar, D-TX; Danny Davis, D-IL; Neil Abercrombie, D-HI; Jeff Miller, R-FL; Timothy Bishop, D-NY; Sheila Jackson-Lee, D-TX; Alcee Hastings, D-FL; Carolyn C. Kilpatrick, D-MI; Donald Payne, D-NJ; Corrine Brown, D-FL; Loretta Sanchez, D-CA; Steve Cohen, D-TN.

H.R. 920, the Multiple Peril Insurance Act, would create a new program in the National Flood Insurance Program to enable the purchase of wind and flood risk in one policy.

The bill requires premiums for the new optional coverage to be risk-based and actuarially sound, so that the program would be required to collect enough in premiums to pay claims.

Multiple peril policies would be available where local governments agree to adopt and enforce building codes and standards designed to minimize wind damage, in addition to the existing flood program requirements for flood plain management.

Any community participating in the flood insurance program could opt into the multiple peril option, but the greatest demand for the product will be in coastal areas that face both flood and wind risk from hurricanes and tropical storms. Insurance companies are withdrawing from coastal areas and forcing state-sponsored insurers of last resort to take on much more disaster risk.

The Multiple Peril Insurance Act would allow homeowners to buy insurance and know that their damage from both wind and water will be covered. This is primarily a concern after a hurricane where the worst destruction is caused by a combination of wind and flooding. Homeowners would not have to hire lawyers, engineers, and adjusters to determine what damage was caused by wind and what was caused by flooding.

This bill would set residential policy limits at $500,000 for the structure and $150,000 for contents and loss of use. Nonresidential properties could be covered to $1,000,000 for structure and $750,000 for contents and business interruption.

Once the program is enacted, a private insurance market should develop to offer coverage above the limits. This would allow insurance companies to design policies that would have the equivalent of a $500,000 deductible for residential properties or a $1 million deductible for nonresidential properties.

Section by Section of H.R. 920,
the Multiple Peril Insurance Act

Section 1. Short Title

“Multiple Peril Insurance Act of 2007”

Section 2. Flood and Windstorm Multi-peril Coverage

Adds a new program to the National Flood Insurance Program to enable the
purchase of insurance covering losses resulting from flood and/or windstorm;

Multi-peril coverage is available only where the local government has adopted standards designed to reduce windstorm damages; (Flood standards already required by NFIP)

No duplicate coverage with multi-peril coverage and NFIP flood coverage;

Multi-peril policy covers damage from flooding and/or windstorm without requirement to distinguish flood damage from wind damage;

Premiums must be based on risks according to accepted actuarial principles;

The Director shall issue regulations setting the terms and conditions of coverage;

Aggregate policy limits are as follows:

Residential Structures - $500,000 for single-family dwelling; $500,000 per dwelling unit for structures with more than one unit; $150,000 per unit for combination of contents and increased living expenses for loss of use;

• Nonresidential Structures - $1,000,000 for structure; $750,000 for combination of contents and business interruption coverage.

Section 3. Prohibition Against Duplicate Coverage

Adds the prohibition against duplicate coverage to the existing flood program.

Section 4. Compliance with State and Local Law

No new coverage for any property that is in violation of local building and zoning
requirements designed to reduce windstorm damages.

Section 5. Criteria for Land Management and Use

The Director shall carry out studies to determine the appropriate standards for windstorm damage prevention, and establish criteria based on those standards.

Section 6. Definitions

Windstorm is defined as any hurricane, tornado, cyclone, typhoon, or other wind event.



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Beyond the 9th Ward

As I sit here in the town of Bay St. Louis, Miss., one of several tiny coastal beach towns that comprise ground zero for the worst part of the worst natural disaster in the nation, I feel conflicted. The New York Times has published a lengthy article titled Road to New Life After Katrina Is Closed to Many. The article zeroed in on the difficulty of returning home after Katrina. Again, as has been the modus operandi from the beginning, the focus is on New Orleans alone and specifically on residents in the 9th Ward. This is an important heart breaking story. And herein lies my conflict.

The road home after Katrina is equally difficult for those who don’t live in the lower 9th Ward. A few weeks ago, I attended my niece’s 13th birthday party held at Rock ‘n Bowl in New Orleans. How wonderful to see a bunch of 13 year girls so confident, delightful, and vibrant. Their parents dropped them off, stuck around a while and chatted, then left and returned to pick them up when the party ended. One of the mother’s I met was yakking with me about having to go to the laundry mat. In New Orleans, “to yak” means “to talk.” Let’s get some cross cultural adaptation going here, ok? ;) Back to the yakking itself, she was so lovely. She and her husband’s home in Lakeview had many feet of water in it after the U.S. Army Corps of Engineers’ levees broke. Fortunately, they were able to buy a home a few blocks away that was untouched by the water.

Anyway, she was saying how awful it was for her because since the storm, she’s been having to go to the laundry mat to do the clothes. “At THIS age? Girl, you know, I didn’t work all my life to be going to a laundry mat to do my families clothes.” Oooooo. I told her that when I moved back to San Jose, California in 2002, one of my main criteria for renting was having a washer and dryer in my apartment. Period. I was not going to drag my clothes over to a laundry mat and sit there for hours waiting for a dryer, getting stuck using a dryer that hardly dried the clothes and ate up my coins like mad. And I’m only one person. I couldn’t imagine doing it for a family—mom, dad, and kids.

Now what does any of this have to do with a New York Times story about the 9th Ward and going home to New Orleans? My recent five part series focused on broadening the Katrina lens beyond it. The woman with whom I was speaking—I wish I could remember her name. It’s a terrible thing, I know, to not recall someone’s name. But, down here in the greater New Orleans area, which includes the very western part of the Mississippi Gulf Coast and in particular the towns of Waveland and Bay St. Louis (my home town, remember), we don’t remember names that well. Often, we’ll say something along these lines. “You remember the son of Ms Josie who is married to that beautiful woman whose sister works at the bank? Well her mamma’s good looking brother . . .” Not recalling people’s names may be the reason everyone calls everyone honey, baby, dahlin’, shuga, and sweetie.

A few years back, Bob, a boss of mine was going to New Orleans for some kind of work thing. I told him of this delightful cultural verbal habit of ours. Bob came back complaining that I had forgotten to tell him about the mosquitoes and gnats. Poor thing, his neck was raw from the bites. But, he perked up when he said that I was right. Even the big burly man behind the counter of a sandwich shop where Bob had gone for lunch called him “hon.” That’s part of the charm of the area. We don’t care if you really are good looking or ugly, fat or thin, old or young, or your race, ethnicity, or religion. If you talk with the locals, you’ll be called one of the terms named above.

Now where was I on that laundry mat story. Oh yeah. So, the woman with whom I was speaking? She and her husband live in Lakeview, which is the affluent neighborhood that is on the exact opposite economic spectrum of the 9th Ward. One other thing. She and her family are African American.

The media has not sufficiently told the story of the incredible hardships of the road home for New Orleans residents outside of the 9th Ward. And their hardships and stories are also important to know to understand the barriers to a full, vibrant and quick recovery.

Residential Contractors, a Scarce Commodity
Contractors are very, very difficult to come by. Finding a Contractor Like California Dreamin’ tells my mom’s story of looking for contractors to repair her home. The Times-Picayune, the daily paper in New Orleans, ran a story titled A Clog in the Line which told of the incredible hardship in finding a plumber in New Orleans. Over 18 months ago, my own brother bought a brand new hot water heater that he needed to install in his home. He has paid plumbers to come out to do the work, they didn’t show. He has asked others for quotes and they tell him, “We don’t give quotes, we give bills.” What?!

Clearly, the terse delivery of the message is rude and carries an arrogance that is unhelpful in this Katrina area where doing everyday normal things—such as getting a quote for installing a hot water heater—is like walking through glue. Only after many, many months of enduring this ridiculous lack of business etiquette did he learn that what plumbers are finding is that when they go into do a simple, routine job, one pipe after the other begins to crumble and fall apart. And so giving an accurate quote becomes incredibly difficult for the plumbers.

If I recall correctly, and I’m not sure that I do, the reason for the pipes crumbling is because the salt in the water that flooded the homes corroded the pipes. Something like that. It’s all Katrina related. That’s no excuse for the rudeness. Since the licensing process takes a few years to obtain in Louisiana, plumbers from other parts of the country who would love to donate their talent are prohibited from doing so.

The courts, jails, and child support
Recently, a friend of mine was telling me that she finally hauled her ex into court for his failure to pay child support. Life is tough anyway here in Katrina Land. Raising kids without the financial assistance of their dad makes life tougher. So what happened once they got to court? Well, under pre-Katrina days, he would have been put in jail. However, we don’t have a jail to put him in. He got a free pass for a few months. Without the leverage of jail time, this takes the teeth out of child support enforcement for those situations that require it.

So what’s my point?
The ravages of post-Katrina life in New Orleans and here on the Gulf Coast are difficult to manage. The impact is broad, wide, and deep. The impact of insurance companies like State Farm, Allstate, and Nationwide that apparently deliberately fail to live up to their financial contract on the wind policies of their homeowner customers is keeping money out of the very hands that need it to rebuild, to return home. For those that have some money to repair their homes and businesses, getting good contractors is an exceedingly rare commodity. Without money flowing into the city and county coffers be it from FEMA or insurance companies or tax revenues, local and county governments cannot rebuild basic buildings such as schools to educate children and jails into which to incarcerate parents who are deliberately failing to live up to their financial obligations to their kids even when they do have these financial resources.

That’s my point. Reputable media outlets like the New York Times must tell the whole story of the challenges that post Katrina life presents. From a strictly political perspective, this is how we bring about recovery faster. The more varied the stories, the more the entire picture becomes clear, the greater the opportunity for momentum to build. That is what is needed most of all: momentum outside of the Katrina-ravaged region regarding everything from Insurance companies failing to pay out on legitimate claims . . . to governments not being able to build schools and jails . . . to homeowners not getting the plumbers and other contractors they need . . . to building low income housing in the 9th Ward and throughout the rest of the Katrina area. This is a broader lens through which to see what needs to be done and what can be done to speed up a vibrant recovery.

Today’s political hell raising activity targets the New York Times. Let’s call and write the paper thanking them for investing the time and money to write the story and devoting the enormous amount of space in the paper itself to raise awareness about the continuing challenges of getting home after Katrina. When we talk with or email the paper, we’ll be asking the editors to broaden their lens to include the plight of those in the rest of New Orleans, its surrounding Louisiana cities, and the entire Mississippi Gulf Coast. We’ll again thank them for providing coverage to something that is important to healing the wounds of Katrina and the pathetic circumstances that the insurance companies’ failure to properly fund and the White House failure to provide appropriate leadership has created.

In this way, we’ll praise their coverage and encourage more articles as we direct their attention to additional stories they could explore beyond the 9th Ward.

Go here for today's political hell raising activities.

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Road to New Life After Katrina Is Closed to Many

Lee Celano for The New York Times
Gwendolyn Marie Allen lives in a FEMA trailer near Baton Rouge with her son, who has schizophrenia, and her severely retarded brother, right.

CONVENT, La. — This was not how Cindy Cole pictured her life at 26: living in a mobile home park called Sugar Hill, wedged amid the refineries and cane fields of tiny St. James Parish, 18 miles from the nearest supermarket. Sustaining three small children on nothing but food stamps, with no playground, no security guards and nowhere to go.

No, Ms. Cole was supposed to be paying $275 a month for a two-bedroom house in the Lower Ninth Ward — next door to her mother, across the street from her aunt, with a child care network that extended the length and breadth of her large New Orleans family. With her house destroyed and no job or savings, however, her chances of recreating that old reality are slim.

Read the New York Times story.

The end.
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