GAO National Flood Insurance Program Report: A View from Outside the Industry

by Sop811

Insurance Issues Forum

Yesterday we pointed out several glaring omissions and factual inaccuracies in the Reuters drive by reporting on the General Accounting Office NFIP report. Today we see better coverage courtesy of Anita Lee at the Sun Herald. In addition to our analysis, Ms Lee points out some of the other conclusions reached by the GAO on the flaws inherent to the current program design:

The first flaw involves the three wise monkeys and the concept of see no evil, hear no evil and speak no evil. While that old proverb works well in our personal conduct it is an invitation to disaster when used to manage a federal program:

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Wake Up and Smell the Formaldehyde

by James Polk
the New American Village

FEMA trailers are in the news again. Turns out they're not fit for human habitation. Problem is we've known it all along.

A scathing article on Salon.com sheds light on the toxic conditions and details the efforts of the United States government to cover it up.

http://www.salon.com/news/feature/2008/01/29/fema_coverup/

Meanwhile, better than two years on, over 30,000 hurricane victims still call FEMA trailers home. Read more . . .

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GAO: Flood insurers have 'inherent conflict of interest'

McClatchy Newspapers
1/30/2008 -

WASHINGTON — The Government Accountability Office issued a report Wednesday on the National Flood Insurance Program that concluded insurers have "an inherent conflict of interest" in determining flood damage that the federal program must pay and the wind damage covered by private companies.

"I applaud the GAO for confirming that insurance companies have an inherent conflict of interest when they are allowed to determine whether to assign damages to their own wind insurance policies or to the federal flood insurance policy claims," said Rep. Gene Taylor, D-Miss.

The GAO concluded that the program needs greater transparency and oversight of wind and flood damage decisions.

"The report reinforces my proposal to give homeowners the option to buy wind and flood coverage in the same policy." The House passed Taylor's provision last September but the bill is stalled in the Senate.

"I urge the Senate to pass this legislation in order to stabilize the insurance market in coastal states," Taylor said. "I strongly support GAO's recommendations that insurance companies be required to turn over their wind claims files so that FEMA can verify that the companies applied the same standards to the flood insurance claims as to their own wind claims."

©2008, The Santa Fe New Mexican and MediaSpan

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REP. TAYLOR COMMENTS ON GAO WIND AND FLOOD REPORT

Findings reinforce importance of multiple peril insurance provision

WASHINGTON, D.C. – Rep. Gene Taylor commented today on the U.S. Government Accountability Office’s report that greater transparency and oversight is needed for determining the extent of wind and flood damage after a storm.

“I applaud the GAO for confirming that insurance companies have an inherent conflict of interest when they are allowed to determine whether to assign damages to their own wind insurance policies or to the federal flood insurance policy claims,” Rep. Taylor said. “The report reinforces my proposal to give homeowners the option to buy wind and flood coverage in the same policy.”

The multiple peril insurance provision in H.R. 3121, passed by the House of Representatives in September, would allow coastal residents to buy insurance and know that hurricane damage would be covered. It would protect taxpayers by ensuring that more hurricane damage is covered by premiums rather than by disaster assistance programs.

The volatility and uncertainty of the coastal insurance market are the biggest obstacles to recovery on the Gulf Coast. Insurance companies are withdrawing from almost every coastal market, forcing many homeowners into state insurance pools.

“I urge the Senate to pass this legislation in order to stabilize the insurance market in coastal states,” Rep. Taylor said. “I strongly support GAO’s recommendations that insurance companies be required to turn over their wind claims files so that FEMA can verify that the companies applied the same standards to the flood insurance claims as to their own wind claims. I am disappointed, but not surprised, that FEMA opposes that recommendation. FEMA needs to recognize that its oversight responsibility is to protect federal taxpayers, not insurance companies.”

The GAO’s findings include these major points:

· A conflict of interest exists when insurance companies are responsible for determining both the extent of the flood damage that NFIP must pay and the extent of the wind damage that the insurance company itself must pay;

· NFIP cannot determine the accuracy of flood claims payments on properties that were subject to both high winds and flooding, because FEMA does not collect any information on wind claims and does not require companies to explain their procedures for distinguishing between wind and flood losses;

· Property owners with separate homeowners, wind and flood insurance policies cannot know in advance whether all their damage from a hurricane will be covered because of differences in the policy limits; the uncertainty is increased because NFIP cedes control of the damage determination to the insurance company despite a vested economic interest in maximizing the flood claim and minimizing the wind claim;

· Legal disputes between wind and flood coverage have increased because of insurance companies’ anti-concurrent causation clauses that attempt to exclude coverage of wind damage if flooding contributed to the loss.

The Flood Insurance Reform and Modernization Act, H.R. 3121, which passed the House in September, already addresses some of the concerns raised by the GAO report:

The House approved a Taylor amendment that prohibits insurance companies from using anti-concurrent causation language to exclude coverage of wind damage solely because flooding also contributed to the damage.

The House also approved an amendment offered by Rep. Mel Watt that would require insurance companies to report their actual expenses operating the flood program and to undergo an independent audit of their administration of NFIP policies every two years.

The complete GAO report can be found at http://www.gao.gov/new.items/d0828.pdf.

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Houston lawmakers blast pace of Katrina, Rita housing

By RICHARD S. DUNHAM
Copyright 2008 Houston Chronicle Washington Bureau

WASHINGTON — Two Houston lawmakers upbraided federal and Texas officials for their slow response to finding replacement housing for victims of hurricanes Rita and Katrina.

Rep. Sheila Jackson Lee, D-Houston, called the efforts "a complete failure." Rep. Al Green, D-Houston, went further. "Some heads really should roll for letting this go on and on and on," he said at an investigative hearing held by the House Homeland Security Committee.

Jackson Lee and Green noted that thousands of Texans have been housed for more than three years in trailers laced with the cancer-causing chemical formaldehyde.

"HUD and FEMA are wrapped around this failure," Jackson Lee told state and federal emergency response officials. "The state of Texas has failed, plain and simple."

"The simple question I ask you: Why are people still in trailers in 2008?" Jackson Lee demanded.


"Madam, you are correct," said Nelson Bregón, of the Department of Housing and Urban Development. "There are people still residing in trailers who should not be living in trailers."

During the afternoon-long hearing, there were several examples of federal agencies and Texas officials pointing the finger of blame at somebody else.

HUD's Bregón testified that the housing situation "is FEMA's responsibility." He said HUD is "very concerned" and is "working with the states." He called the situation "a travesty."

A Texas official defended the performance of Gov. Rick Perry, a target of Jackson Lee's ire.

Michael G. Gerber, executive director of the Texas Department of Housing and Community Affairs, said federal aid was only a fraction of state costs.

Jackson Lee was not convinced: "People are living in a disaster because of your inaction," she said.

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FEMA slowing Coast building

Chris Joyner • chris.joyner@jackson.gannett.com • January 30, 2008

BILOXI — Two-and-a-half years after Hurricane Katrina devastated the Mississippi Gulf Coast, less than a fourth of the 10,833 public rebuilding projects are completed.

Many haven't even broken ground.

And local officials are finding it harder to work with the Federal Emergency Management Agency.

Long Beach Mayor Billy Skellie spent much of Tuesday in a meeting with FEMA accountants arguing over whether the federal government will help pay overtime costs incurred by his fire and police departments in the days and weeks after the storm.

"They are wanting to deobligate about half of that," he said.

In regular language, Skellie explained FEMA is hedging on paying the city's costs of more than $350,000 because the agency's contract accountants are not satisfied with the time sheets kept by first responders immediately after Katrina hit.

"We were just trying to survive. I mean, my God," Skellie said. "It's these people who worked around the clock pulling bodies out. ... They don't want to pay for any of that because a person's name doesn't appear on a time sheet."

It is a familiar complaint along the Coast, especially among the smaller cities. Recovery is slow because FEMA and its state-level partner, the Mississippi Emergency Management Agency, spent months arguing with local government officials over what is and is not covered under grants set aside to pay for rebuilding government buildings, roads and infrastructure and paying other public costs.

After more than two years of hearing the complaints, FEMA and MEMA officials Tuesday held a news briefing at their Biloxi headquarters to plead their case.

"There's a lot of misconceptions about this program and a lot of misconceptions about what FEMA and MEMA can and can't do," MEMA Director Mike Womack said.

Recovery is "one team, one fight," Womack said, but there are legal limits to the public assistance grants.

For instance, under the federal rules, a fire station destroyed by Katrina can be rebuilt completely using federal money, as long as it is rebuilt the way it was before the storm using the former building's "footprint." But if a city wants to expand the fire station, relocate it or use the money to improve a fire station across town, then the project has to go through another vetting process and the city may be required to provide some matching funds.

"It's an area that confuses the applicants quite a bit," Womack said.

The process is tougher on smaller communities. When FEMA negotiates payments with the largest cities of Gulfport and Biloxi, those cities bring in-house experts who are dedicated to shepherding projects through the labyrinthine federal process, but smaller cities do not have the money to hire their own advocates.

"Myself, the city clerk and my fire chief," Skellie said. "That's just about it."

Since the storm, about $1.3 billion has been paid out to cover the costs of rebuilding to local governments, school systems and eligible nonprofits.

But as Mississippi approaches its third hurricane season since Katrina, many of the projects have not made it out of the planning stages. In all, 22 percent of Mississippi's 10,833 public projects have been completed.

FEMA Transitional Recovery Office Director Sid Melton said the agency is working to improve the process. Development of an electronic database of ongoing projects is nearly completed, he said. Since the storm, tracking of progress of public assistance projects has been a manual process.

Melton said FEMA is a willing partner with local governments to get them the funds they need and get their projects done.

"Our job is to move the state of Mississippi forward, and if we are not doing that, then we need to get out of the way," he said.

That's just what Skellie would like to see happen. Once he receives bids on a project, Skellie said it takes several months for FEMA to review and approve them before work can begin.

He said he believes it is getting harder to get FEMA to approve projects as the agency pores over worksheets in what he sees as an attempt to reduce how much money his city receives.

"They are watching for thieves, and I understand that," he said. "We haven't asked for anything more than we need, and we still get punched in the nose."

Womack agreed one of the problems with the system is it is adversarial. He said he hopes the Katrina experience will spur Washington to find a new way, but in the meantime, there are rules that have to be followed.

But it's not all the fault of FEMA or MEMA, he said. Internal squabbling among local government officials has slowed the rebuilding, too, he said.

"There are disagreements in local governments on how to rebuild," he said. "These are very difficult decisions for local communities."

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Study Claims FEMA Ignored Toxic Findings

By EILEEN SULLIVAN
January 28, 2008

WASHINGTON (AP) — The Federal Emergency Management Agency manipulated scientific research in order to play down the danger posed by formaldehyde in trailers issued to hurricane victims, according to an investigation by congressional Democrats released Monday.

FEMA "ignored, hid and manipulated government research on the potential impact of long-term exposure to formaldehyde" on Katrina and Rita victims now living in FEMA trailers, Democrats on a House Science and Technology subcommittee wrote in a letter to Homeland Security Secretary Michael Chertoff. FEMA is part of the Homeland Security Department.

In a separate letter, lawmakers said the federal health agency that provided guidance to FEMA was "complicit in giving FEMA precisely what they wanted."

Victims living in FEMA trailers have complained of health problems related to formaldehyde, but initial FEMA tests revealed the air quality in the trailers was safe if those trailers were properly ventilated. Formaldehyde is a common preservative found in building materials used in manufactured homes. It can cause respiratory problems and has been classified as a carcinogen by the International Agency for Research on Cancer and as a probable carcinogen by the U.S. Environmental Protection Agency.

FEMA said the health agency's Feb. 1, 2007 advice didn't address long-term health effects, but rather concerned ways to avoid toxic exposure to formaldehyde. "FEMA did not suppress or inappropriately influence any report," said agency spokesman James McIntyre.

The lawmakers are questioning the integrity of research done by the Agency for Toxic Substances and Disease Registry, and said they don't trust FEMA to conduct an independent investigation into the toxicity of the formaldehyde in trailers.

The investigation, led by Rep. Brad Miller, D-N.C., found the health agency ignored research from one of its own experts, Christopher De Rosa.

Because the health opinion was completed without appropriate oversight, the results could be misleading, De Rosa wrote in a February 27, 2007 letter to a FEMA attorney that was obtained by the subcommittee.

"Any level of exposure to formaldehyde may pose a cancer risk, regardless of duration," De Rosa wrote. "Failure to communicate this issue is possibly misleading and a threat to public health."

In its initial round of testing, FEMA took samples from unoccupied trailers that had been aired out for days and compared them with federal standards for short-term exposure, according to the lawmakers. FEMA officials instructed scientists at the health agency to leave out details about long-term exposure in its consultation.

"Honest scientific studies don't start with the conclusion, and then work backwards from there," Miller said in statement.

FEMA is currently testing 500 of the 40,000 trailers, but the lawmakers said they have no confidence in the new testing and sampling procedures.

The test results are due to come out in February and FEMA plans to issue a final report in May.

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Officials: FEMA maps may wipe Bay off map

Much of city now in hazard zone



By J.R. WELSH
jrwelsh@sunherald.com

BAY ST. LOUIS -- A David and Goliath contest is emerging between this small bayfront city and the federal government, with local officials vowing to fight imposition of new FEMA flood-advisory standards they say will hamper future growth and perhaps slay it altogether.

City officials say FEMA flood maps that were unveiled recently place large parts of Bay St. Louis in zones whose designations will require impossible heights for new construction, and will make the cost of flood insurance beyond the reach of many homeowners.

The city already had flood maps that had been revised in the 1980s. But the new maps slated to replace them are more stringent and could impose far different circumstances. The new flood elevations were crafted by federal officials following Hurricane Katrina.

"We have to fight this at all costs. I personally think it will alter the history of Bay St. Louis," said City Councilman Doug Seal.

The maps place large portions of the city in zones designated as "special flood hazard areas" that have an annual 1 percent chance of experiencing a 100-year flood.

Along the bay front, FEMA maps show advisory base flood elevations ranging from 20 to 30 feet. In many areas off the open coast, they run as high as 27 feet. Flood elevations indicate the height above mean high tide at which construction can begin.

Mayor Eddie Favre illustrated the extent of the problem recently when local officials had a get-acquainted meeting with new U.S. Sen. Roger Wicker, appointed to replace retired Sen. Trent Lott.

"The fourth block of Main Street - the middle of Bay St. Louis - is a hazard flood zone now," Favre told Wicker. Under FEMA's new advisory base flood elevations, homes will have to be constructed so high in the air that "instead of worrying about flood, we're worried about wind now," he said.

Councilman Bobby Compretta, who is also a Realtor, said he considers the flood elevations excessive, and fears they will squelch growth in the foreseeable future. "In my opinion, people are not going to rebuild," he said.

Bay St. Louis intends to appeal FEMA's flood maps, and has agreed to hire an engineering firm to assist in the effort. The city also got outside support this week when the Mississippi Municipal League held a conference in Jackson.

That group's executive committee passed a resolution asking that FEMA extend the time from three to six months for the city to review the flood-elevation maps. The resolution will now go to the Mississippi Legislature for support.

City Councilman Jim Thriffiley lobbied at the conference for support from other cities, and said state District 46 Sen. David Baria has agreed to enter the resolution into the record in the Senate.

"Hopefully, we can take the endorsement from the Legislature and use it in our fight," said Thriffiley, who called the new flood elevations "mega-bad. That's the only way I can describe it."

Seal said the FEMA elevations would essentially sink hopes for the city's newly incorporated area, which runs west to Highway 603 and north to Interstate 10. City officials had hoped to develop a sweeping retail and business corridor there to accommodate growth, generate new tax revenues and lessen dependence on income from casinos.

As things now stand, the new flood maps are throwing a long shadow over those plans.

"If we can't develop 603 and the corners of I-10 as a business corridor, it would have a devastating effect on Bay St. Louis," Seal said.


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Tell the networks to make Gulf Coast rebuilding the top topic in the presidential debates

Returning, recovering and rebuilding after the nation’s worst disaster has been left to poor – mostly Black – residents and volunteers, abandoned by their government. Here, Latonja Tucker paints her church in New Orleans. In November, Americans must elect a president who will implement the Gulf Coast Civic Works Project, which will create 100,000 jobs for residents and evacuees to rebuild their communities. Photo: Mike DuBose, UMNS

By Jeffrey Buchanan - San Franscisco Bay View, January 25, 2008

CNN, MSNBC and Fox News and the other networks that have hosted this primary season's 30 presidential debates have yet to ask each candidate how they plan to help rebuild communities in New Orleans and along the Gulf Coast. Though media attention for their struggles has faded more than two years after the 2005 hurricanes and levee failures, many of these communities have not been able to rebuild their schools, police stations, roads and other critical infrastructure as hundreds of thousands of residents remain displaced. The result is an American human rights crisis certainly worthy of being addressed as Americans choose their next president.

Through 14 Republican debates, no moderator has asked any Republican presidential candidates a single question about rebuilding New Orleans and the Gulf Coast. Moderators of the 16 Democratic events have not done much better, directing only a fraction of their debates, less than 1 percent, to Gulf Coast recovery.

In an interview with the Sun News before the Jan. 21 South Carolina debate, Rep. James Clyburn, the state's most senior member of the Congressional Black Caucus, which sponsored the debate, even named rebuilding infrastructure, specifically in the Gulf Coast, as a top issue he hoped to hear addressed in the debate. Still the topic was never touched on.

Top candidates from both parties have characterized the government's response to Hurricane Katrina as a failure during their respective debates. Still only once this primary season, at PBS's Democratic debate at Howard University, did the debate questioners ask each candidate a question related to Gulf Coast recovery. NPR's Michele Norris asked whether each candidate would support a federal law guaranteeing a human right to return home after Hurricane Katrina, based on international law. Though candidates hinted at their rebuilding plans, they were not pressed to explain the steps they would take to create the economic and social conditions necessary for residents to realize their rights.

Gulf Coast residents fear that important questions about the future of their communities and the hundreds of thousands of their friends and families who are still displaced will continue to go unasked and unanswered this primary season.

Things are not looking much better for the general election debates.

Despite letters of support from a bi-partisan list of seven presidential candidates and supportive editorials from USA Today, the New York Times, Time Magazine and the Washington Post, New Orleans' application to host one of four scheduled general election Presidential debates was recently denied. With New Orleans successfully hosting such large-scale events in 2008 as the Sugar Bowl and the NCAA Championship Game and set to host the NBA All-Star Game, city leaders found the snub shocking. Anne Milling, founder of Women of the Storm, the group which led the application effort with a consortium of local universities including Dillard, Loyola, Tulane and Xavier, called it, "a case of politics trumping the clear moral choice."

‘A defining moment in American history'

Debates are a time to make candidates take a stand on the most important issues facing American voters. National polling data indicates that Gulf Coast rebuilding is still important to Americans nationwide, not just those living in the region.

John Zogby, one of the top minds in the polling industry, wrote recently in Campaigns and Elections Magazine that polling data on domestic issues facing candidates in the 2008 elections indicates, "Katrina, over the long haul, will prove to be more of a defining moment in American history than the terrorist attacks of Sept. 11, 2001." He went on to note that after witnessing the failed federal response to Gulf Coast recovery, American voters "hunger nationwide for a new model for the federal government."

Zogby found that Americans wanted a leader who would could unite the nation and marshal the necessary resources to rebuild after a disaster. He wrote that Americans wanted federal leadership with the flexibility to work with local leaders, including local governments, faith and community groups, and solve problems.

Still recovering - more than two years later

In terms of physical devastation, Hurricanes Katrina and Rita and the levee breakdown far surpasses any disaster in America's history. They caused more damage than our three largest disasters combined: the Sept. 11 attacks, Hurricane Andrew and the Northridge earthquake. The human face of the disaster can be seen in the hundreds of thousands of Gulf Coast residents who remain unable to return home.

Housing shortages threaten communities across the Gulf Coast. Thousands of families are about to be kicked out of FEMA trailers, which the federal government recently determined contain levels of toxins so strong that they have advised their employees not to enter the structures.

Federal programs like FEMA public assistance have proven slow and inflexible for rebuilding vital community infrastructure. USA Today recently reported FEMA had spent less than one fourth of the $4.5 billion federal dollars available for rebuilding critical community infrastructure across the region.

Critics claim current federal policy often leaves construction projects addressing long-term needs ineligible for federal aid. In New Orleans, this policy has resulted in infrastructure deficiencies with severe social and economic consequences.

With schools closed, students must travel long distances and some 300 students in New Orleans during the 2006-07 academic year were unable to even enroll.

Restricted public transit and battered roads limit access to work and services. Scarce childcare facilities limit options for working parents. Crime rates have risen while police headquarters operate out of FEMA trailers. Death rates rise as hospitals operate at diminished capacity.

Louisiana alone - not including damage in Alabama, Florida, Mississippi and Texas - has reported over $20 billion in public infrastructure damage due to the hurricanes and levee breaks, leaving significant unfunded needs.

Levee construction remains under-funded, and preventable erosion continues to destroy nature's flood protection, the wetlands, threatening returning residents. These issues impact the pace of recovery and ultimately the rights of residents to return to their communities to live with safety and dignity.

A handful of candidates this campaign season have traveled to the Gulf Coast. A few have even posted portions of their rebuilding plans on their websites but not all voters and Gulf Coast residents have access to this information. For residents who are still waiting on the federal government to fulfill its promises, questions remain about the presidential candidates' commitment to the region.

A new model for Gulf recovery

Recently, Reps. Zoe Lofgren, D-Calif., Charlie Melancon, D-La., and Gene Taylor, D-Miss., introduced a new model for Gulf Coast recovery in the U.S. House of Representatives, H.R. 4048, the Gulf Coast Civic Works Act. The policy was developed with the help of Gulf Coast residents, human rights groups and the Gulf Coast Civic Works Project, a college campus-based advocacy group. Utilizing a human rights-based framework, the legislation hopes to empower the region's greatest assets, the disaster's survivors, with the resources they need to lead.

Through funding infrastructure projects employing local and displaced workers to rebuild schools, police and fire stations, transportation, hospitals and flood protection and restoring the wetlands, the legislation aims to help heal the wounds left since Hurricanes Katrina and Rita and the levee breaks and allow residents to return to their neighborhood with safety and dignity. The bill gives resident and community leaders a greater voice in how their neighborhoods are rebuilt and works directly with community organizations to reach the goal of creating 100,000 living wage jobs and training opportunities for residents and displaced people primarily in the building trades.

The plan would create more opportunities for small and minority businesses while pumping more funds into the local economy and building the infrastructure and the trained workforce necessary for sustainable economic development. The legislation aims to address the region's human rights crisis through helping the displaced realize their right to return and participate in rebuilding their communities and providing economic opportunity to working families.

Stephen Bradberry, state head organizer with the Association of Community Organizations for Reform Now (ACORN) in Louisiana, believes this bold plan will require the support of the next president to become a reality.

"The current president made a whole list of promises to residents about rebuilding the Gulf Coast, but the job is not done. The moderators of the presidential debates need to ask the next president whether they plan to right the situation," says Bradberry. "We need to put the candidates on record, "Do you support the Gulf Coast Civic Works Act to rebuild stronger communities across the region hit by Hurricanes Katrina and Rita?"

Bring the Gulf Coast to the debate

Gulf Coast residents, ACORN members, students and supporters - like the online organizing group Color of Change and the RFK Center for Human Rights - launched an effort to bring Gulf Coast rebuilding back into national focus by first urging hosts of the presidential debates to get a straight answer from the candidates on Gulf Coast rebuilding. Together they hope to give the region a voice to influence the discussion, utilizing online advocacy tools.

"If the debate is not coming to the Gulf Coast, then we need to bring the Gulf to the debate," said Bradberry, winner of the prestigious RFK Human Rights Award in 2005.
The effort, aptly named Bring the Gulf Coast to the Debate, began by targeting Facebook, ABC and WMUR, co-hosts of the Jan. 5 Republican and Democratic New Hampshire primary debates. Supporters urged ABC and WMUR reporters and producers to ask the candidates about the Gulf Coast Civic Works Act. Many contacted ABC's World News Tonight host and debate moderator, Charles Gibson, through his recently opened account on the social networking site Facebook.com.

You can join the efforts' Facebook campaign.

Now supporters are gearing up for the Republican and Democratic California debates on Jan. 30 and 31 hosted by CNN, Politico and the Los Angeles Times. They will be the last debates before the Feb. 5 Super Tuesday primaries.

Supporters can visit ColorofChange.com to learn how to urge the moderators of the Republican and Democratic California debates to stand in solidarity with Gulf Coast residents and ask the candidates about the Gulf Coast Civic Works Act using tools on Politico.com. The website also shows supporters how to send a letter to CNN and Los Angeles Times reporters and editorial staff urging them to ask the candidates about this important Gulf Coast rebuilding policy.

Dr. Scott Myers-Lipton, a San Jose State University professor who founded the 50-campus strong Gulf Coast Civic Works Project, noted that the bill is sponsored by a Californian in Congress, Rep. Lofgren, and additionally is supported by resolutions in both the California State Assembly and California Democratic Party.

"With so many Californians behind the Gulf Coast Civic Works Act, there is no better time than these debates to ask the candidates if as president they will enact this critical plan to rebuild the Gulf Coast," says Dr. Lipton.

Though the Gulf Coast will not host a presidential debate, residents and their national supporters still have hope that the region's crisis can be brought back into the national debate this election season.

Currently questions on the Gulf Coast Civic Works Act for the Democratic and Republican candidates rank No. 1 and No. 2 most popular respectively on Politico.com.

"This is a unique opportunity to move these media organizations to finally ask the questions the people of the Gulf Coast and California and really all Americans need to hear answered," said Chris Hauck, a San Jose State University student and Gulf Coast Civic Works Project organizer.

Visit Color of Change to learn how to vote for the Gulf Coast questions and visit Solving Poverty to find out more about supporting the Gulf Coast Civic Works Act.

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Progressive Values in Action: MS Gulf Coast Volunteer Slideshow

by Ana Maria

From my New York progressive friends who came down to the Mississippi Gulf Coast to volunteer their winter holiday time to help building four homes for Katrina families here in Bay St. Louis and Waveland, Mississippi, located in Hancock County--the county that Hurricane Katrina hit the worst comes this slide show of their time here in the rain and muck, cold and humidity. This slide show has FABULOUS music playing, so turn up your speakers and be ready to dance around!!

Sure, we have our troubles down here. Great music and dancing is always a great salve on our souls. I believe it will be yours as well. These are photos of my many new friends who remain in my heart for their extreme generosity and true compassion for our plight.

May each of them be blessed many times over throughout their lives. They came here to help because they saw the need and put their faith, their beliefs, their values in action. This is so much more than we've seen out of a White House that talks about faith and whose acts betray their words.


© 2008 Ana Maria Rosato. All rights reserved.
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