Filing insurance claims–the next New Orleans crisis?

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The key insurance question looming in New Orleans may be whether flooding caused by the breach in the 17th Street Canal should be covered by flood insurance or homeowners insurance. Many people in New Orleans do not have flood insurance because they do not live in flood zones. However, when the levee broke, those people saw the water rise in their houses.

Louisiana legislators want homeowners insurance policies, which are tied to the valies of houses, to cover the damage caused by flooding from the breached levee. If homeowners insurance policies will not cover the damage, state lawmakers want the federal government to create a special fund to cover the difference. In the past, FEMA has not closed the gap if house owners were uninsured.

According to Former State Representative Chuck McMains Jr., who now represents the Property Casualty Insurers Association of America, the insurance industry wants to set up a mediation process that would deal with cases on an individual basis.

Then there is the matter of mold and mildew, which McCMains says also falls under flood insurance coverage.

The matter is expected to wind up in court.

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SIX TRUTHS

Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

Truth #4: When we go to work, we're in the fight.

Truth #5: It's about minority rule.

Truth #6: The only thing that can save us is…us.

Please take a moment to see how all these truths add up, because what happens in the weeks and months ahead will reverberate for at least a generation and we better be prepared.

And if you think journalism like Mother Jones'—that calls it like it is, that will never acquiesce to power, that looks where others don't—can help guide us through this historic, high-stakes moment, and you're able to right now, please help us reach our $350,000 goal by October 31 with a donation today. It's all hands on deck for democracy.

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