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    "Be Prepared": the motto of a good scout


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    When I first came to TPM I wrote a lot -- perhaps ad nauseum -- about the contrast between FEMA and insurance company response to Hurricane Hugo -- in Charleston, SC, in1989 -- and to Hurricane Ivan, which pulverized Pensacola, FL in 2004, a year before Katrina decimated New Orleans. 

    In 1989, FEMA trucks with relief supplies as well as professionals ready to offer seasoned expertise were in place, in multiple locations, within twenty-fours hours. Insurance agents exceeded FEMA's performance, in dollars and cents if not in timing, arriving for on-site inspections within three days, checkbooks at the ready to settle claims on the spot. 

    In 2004, however, FEMA was AWOL for over eight days -- eight days (!) during which, without power and with water systems tainted, there was no ice and no bottled water in 100+ degree heat. Finally, when FEMA supplies arrived, they were inhumanly rationed (from only two locations) to a bag of ice and a gallon of water per family per day.... lest, according to free market principles, there be a temptation to "resell them for profit". When FEMA personnel  finally arrived, they worked from only one location; furthermore, they were poorly-trained if kindly volunteers..... because the seasoned experts had been downsized. But they were better than the insurance agents, who again exceeded FEMA, if this time negatively; in many cases, no on-site inspection occurred for weeks and, in some cases, months. Almost all adjusters were independent adjusters from elsewhere, sub-contracted to the insurance company in question. As a further delaying tactic, claims were re-assigned to new adjusters repeatedly (in my case, nine times) which required starting the paper trail from scratch. And no money -- no matter which company, or what the policy said -- was forthcoming for over a year, despite the facts that most policies had emergency expense clauses, people could not live in their houses, and therefore had double living expenses. Payouts were finally made only to those policyholders who agreed to accept 70% or less of reimbursement due. There are still those who have received nothing, five years later, because they "stubbornly" refused to take less than they were owed.

    So what did people do in the immediate aftermath of the storm and during the year that followed, to simply survive? 

    Neighbors who had been at war with each other banded together, sharing not only meager resources but also backbreaking labor. Neighborhood watches were formed to try to contain marauding bands of looters, not least of whom were maverick clean-up crews from elsewhere. Sometimes this backfired -- fearful, stressed-out residents called the police on their neighbors out-of-town family members or friendsarriving to help, etc..

    The bottom line, in 2009,  is this: the Bush/Cheney/insurance industry cabal betrayed its Gulf Coast citizens in 2004, after Ivan, which was ignored nationwide because Pensacola's backwater status drew no media focus. Learning nothing, the administration betrayed New Orleans a year later -- N'Ohrlins --a city so intrinsically tied to our image of ourselves as cool, mellow  originators of music, a city at once so laid back yet so sophisticated as a culture that media attention was immediate, if misdirected, their attention focused on the problem, but not the solution, so desperately needed by so many.

    Years have passed. Thousands of homeowners have been foreclosed. Stores have closed. Businesses of all kinds have gone under, or decamped to more accommodating climes. No wonder, then, that for those left behind, alcoholism is up, hope is down, and endurance is stretched beyond human absorption.

    HEADS UP, America -- it's hurricane season again, the dangerous core of which is mid-August through the end of September. And so the question is this: is the Obama administration's FEMA ready, fully re-trained to do better? Has the insurance industry been reprimanded, regulated or contained in any meaningful way?

     I would have assumed so, until healthcare reform evolved as it has, to date.

    So, this year, is it hurricane business as usual? By which I mean insurance BUSINESS, as the priority, as compared to the health and welfare of the people to whom they allegedly have contractual obligations.

    Caveat Emptor, dear family, friends and former neighbors -- all of you who still live in hurricane zones. Hope may spring eternal, but change we can believe in has yet to be demonstrated. 

    Therefore, remember a survivor's mantra: love thy neighbor as thyself, no matter what.


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    Love thy neighbor as thyself, and push hard for local organization and preparation - particularly for those with the least ability or resources to respond to a crisis.


    And make sure the local, low-wattage radio stations stay on.
    p.s. ww--who is it in the oainting on your blog?


    painting, i meant, sorry.


    Many thanks, Wendy, for sharing your insights and experiences. A few months ago, I attended a coastal conference and one of the speakers was a Mississippi-based scientific researcher whose laboratory was destroyed by Hurricane Katrina.

    The advice was for homeowners to get Community Emergency Response Team (CERT) training so that after the storm passes, you have the training and credentials needed to enter your home, clean up your neighborhood, and/or salvage your workplace.

    https://www.citizencorps.gov/cert/


    I ditto Molly here Belle. You have lived it, seen it first hand and lost part of yourself and your belongings.

    Community first.


    Thanks for that link, Molly. I didn't know about CERT, which I find encouraging and discouraging at the same time: it's important for people to face that they may be on their own, but it makes me sad that such a pessimistic prognosis is necessary.


    The painting is a portrait by Alfonso Grosso, which I bought at an auction because she resembles my aunt, and I thought her too elegant to be homeless.


    She is one of the few things I got out of the house before the hurricane.


    She is lovely; she reminds me so much of one of the famous southern writers, but I just can't place her. I am so sorry you lost your home.


    DD: The upside of such an experience -- and there is that -- is in learning to appreciate the true meaning and value of community.
    In downtown Charleston, before Hugo, there were two neighbors who had not spoken for twenty years, their mutual animosity so intense that neither would allow the other to put the base of an extension ladder on his property so that the exterior facing wall each house could be painted. After the storm, they co-sponsored clean-up of the entire block and, hey presto, the flaking, peeling exterior facing walls were painted with no fuss.
    On Kiawah Island, a resort hotel that was known for being fairly pissy to permanent residents about casual access, immediately opened its dining room and fed everyone on the island for three weeks, for free, utilizing their generator to run the kitchen in which they turned out remarkably normal meals.
    In Pensacola, things between neighbors after the storm were initially more mercurial -- because the damage was far worse, the temperature was beastly, everyone was exhausted as well as dehydrated, and still FEMA and the insurance adjustors did not show up. So it was not until people became desperate that they began to pitch in, to help each other, and the first semblance of real community took shape. After that, it was shared everything, including families who shared alternate housing for an entire year.
    It has been fascinating to me, as well as heartwarming, to see that at TPM that sense of community does not have to involve physical proximity; it seems to occur naturally.


    The person who told me about it was upbeat about the value of the training, albeit long after Katrina.

    I'd like to think it would help me help a neighbor or two. If you enter your ZIP code in the site's search engine, you can find training in your area.

    Thanks to you, I will contact them this week.


    There's some irony there, eh? I bought the portrait so that she would not be homeless, and then she was homeless for a time anyway.
    It took time to see them, but I did learn some very important lessons from the endless fiasco that was the aftermath of Ivan. I got over a bad habit of materialism overnight. I developed the patience -- though still gritting my teeth to this day -- that was required to deal with insane bureaucracy. And I experienced the satisfaction, probably for the first time in my life, of working with others in common cause when it really, really mattered and no end was in sight.
    A friend called last night to ask when I was heading south. I thought about saying October, as the idea of going home during hurricane season gives me pause. She heard my hesitation and instantly knew what I was thinking. She laughed and then said: "Come on now -- are you a fair weather friend"?
    We'll see.


    Thank you, Molly. I'll see where the closest training is. One Charleston-specific evacuation tip that I hope is now advised is to look for alternative routes out of town. That's because most people head for Colombia to go on from there to Charlotte or Atlanta. There is a good evacuation plan for I-26, but if you don't get out really early, you can be stuck in bumper to bumper traffic all day. One alternative is to head for Atlanta the back way, on 17S to Walterboro and then northwest on 65 (?) through Aiken.
    Of course it all depends on the storm. Here's hoping you won't need that training or evacuation routes.


    Sorry DD -- misplaced response above.


    Yes, for the 1999 mandatory evacuation for Hurricane Floyd, I urged my husband to drive south but we went north, and it took 14 hours to reach Charlotte. There were gas shortages north of Orangeburg, and no motel rooms that night. We had two kitties in the car, and it was a restless night in the Astrovan. I think taking Route 78 to Augusta would be a good idea.


    That's a really important point, Rowan. The elderly in assisted living facilities, etc. have not fared well in any hurricane.


    Thank you wwstaebler for this heart touching post and warning. Life seems to have it's own various hurricanes no matter where we live and who we are. Whether we are battered by natures wildness or by man's harshness we all find ourselves needing one another eventually.So your survivor's mantra is also a good one to practice before the storm.

    mantra: love thy neighbor as thyself, no matter what.


    I'm headed down to Florida for a few days.

    I will be thinking of you, and all the other Floridians, and all of us.


    Hey Bwak: I don't have TheraP's email address so the easiest way to communicate about art therapy or anything at all is by contacting me here: [email protected].
    Hope you have a great trip and that your weather is fine.


    You're in tornado country, aren't you, DonDi? That, to me, is far more horrifying than hurricanes, or earthquakes for that matter. What preparation is there for a tornado?


    I will be sending you email.



    I am so sorry you lost your home. You are right - our greatest hope is with and for each other. I still believe in the goodness of people.

    Your painting reminds me of Flannery O.

    No hurricanes here but we weren’t prepared for this heat storm in Portland. The temp reached 108 degrees today – and in the Willamette Valley, 112. Days and days and days of this. Lots of people are sleeping in their yards with the critters tonight. It’s dangerously HOT! and I haven't seen FEMA.


    Wendy, being a South Floridian, I guess I missed most of FEMA's Ivan screw-ups. It's a surprise to hear that the Panhandle didn't receive the Royal FEMA Election-Year Treatment that your southern neighbors experienced. Going above and beyond the call of duty that year, FEMA handed out over $30 million in Miami-Dade, a county where the winds didn't reach 50 mph in all four hurricanes. Apparently M-D never even lost electricity, but FEMA paid for ice and snow damage, anyway. And three funerals for folks who died of something, but not anything hurricane related came to $15,743. Yet you're saying they were worried about bottled water resales after Ivan? [Testimony from Sen. Nelson and the DHS IG.]

    I'm with you on the preference for a hurricane over a tornado or earthquake. But I remember reading about a guy that moved from California to Oregon to get away from the earthquakes. Within a couple of years he moved back - he said the floods in Oregon were worse than earthquakes. So I think it's all in the devil you know ... :-)



    I forgot to mention I read that because of El Nino, the number of Atlantic hurricanes is expected to be below normal this year. I'm wishing you and all of us a safe late summer!


    Thanks for posting this Wendy. Hadn't heard your story - before my time here. I'm sorry about your house. I do hope they've got their house in order at FEMA and co. Unbelievable what they let the insurance corps get away with. But they are state-regulated, no? Which means, largely unregulated, I guess. Stay safe.


    I forgot about Floyd, Molly; sorry. See, there it is, human nature in a nutshell -- if one is not actually there, somehow it's not real, even to those who have been there, done that.
    Maybe that's why I hammer out these hurricane posts -- to try to make it real.


    Thank you for the link!


    And in terms of the long run, let's consider moving folks to safer ground - whether it relates to hurricanes or floods or whatever.

    I actually live in a small city that took advantage of a federal flood program to buy up some housing and construct huge underground cisterns to take in water when water is high. The land was razed and is now part of park land. Very nice.

    We need to consider global warming too - which is responsible for far worse storms and floods. Lots to think of here.

    Good neighbors think ahead!!!


    Excuse me - the houses were razed! not the land. The land was restored. ;)


    Your stories, ww, about neighborly collaboration and overcoming old grievances are inspiring. We're hoping that the present economic maelstrom will leave a trail of similar testimonies on a national level.

    Regardless of who is responsible for the current mess, opportunities will abound in the days ahead for communities to pool resources and cooperate, yielding even more potent evidences of human generosity.

    And all that could happen with both FEMA and the insurance companies becoming secondary players in the drama, due to a dearth of $$.


    Flannery O'Connor?


    This is a really important blog. Thanks so much for starting it. We DO all have to work together and it has to start at the local level. But that doesn't mean the gov't is off the hook. We can't do it without them. A lot of people think we can. They're wrong.


    WW, I didn't know you were in the cross hairs of Ivan. When he entered the Gulf, the bulls eye was initially on our area. It was terrifying, the intensity of that storm -- then he turned. I can only imagine what you went through.

    Starting June 1st of every year I go to the NOAA website several times every day. I have my hurricane charts out. So far this year, watching the satellite loops, the air currents are all competing with each other. Hopefully this will continue.

    Though we try to be prepared where I am -- on high ground, such as it is -- I remember hearing about what one Cuban woman did during a storm. She hunkered down under a bed. That seems like a very good idea. When Charlie had us in his sites, I was on the bed with a blanket pulled over my head after downing a pint of Ben and Jerry's Chocolate Fudge Brownie Ice Cream (a rare occurrence to pig out, but it took my mind off the impending doom). And then he came in well to the south.

    We were without power for a week after Francis or Jean. The worst part of that was the fumes from all the generators in the neighborhood. I don't have one. I cooked on a Svea backpacking stove.

    We've been lucky, apparently since 1925. However, I'm looking into CERT today to see if I can get that done before reporting back to work.

    Thanks for the nudge -- and the reality check.

    Cindy


    Seashell: You may have answered the question I've had for five years about FEMA's lack of financial help after Ivan (I eventually got a check from them for a total of $474.00).

    Apparently, there was no money left for the denizens of the Panhandle because they'd already mismanaged their funds giving away free money in south Florida in June and July, after the lesser hurricanes that preceded Ivan, which didn't strike until August.

    However, that doesn't explain why they similarly shortchanged New Orleans, in a different budget year -- unless the Bush administration learned from Ivan that people were so busy surviving and battling their insurance companies that they had neither time nor energy for challenging the government. So that then it became a matter of "we can get away with this."


    I do agree with you about that, TheraP.
    As much as l loved living on the waterfront, I was only 10.1 feet above sea level at high tide, so that a 19' tidal surge was bound to destroy the house.
    I also think -- as much of a sacrilege (as well as a practical impossibility) as it seems at first glance -- that in principle, New Orleans "should" be moved, because it is a city that is well below sea level, protected only by a levee system that has deteriorated badly and which will only suffer additional stress with global warming causing rising water in the best of times and increased numbers of storms in the worst.
    Easy for me to say. As fond as I am of New Orleans, where I have family ties, it does not have the heart hold on me that Charleston has. So, if you asked me to support moving Charleston -- which is, after all, only three feet above sea level -- I'd say "Never!" just as the defenders of New Orleans do.
    Home ground is home ground, even when it's under water.


    I'm so glad you've been spared so far, Cindy. I empathize with the annual "undertoad" stress of constantly checking NOAA; it's what everyone does, although few admit it. If you live on the Gulf coast, you experience a sense of dread every time the wind picks up and it looks as if even a tropical storm is headed your way.
    I do love the Ben and Jerry's as a coping mechanism, btw, but maybe next time have it in a hotel, after you've evacuated? I knew a lawyer in Pensacola who insisted on staying, despite the order to evacuate and, suitably chastened, he admits he'll never do it again. He ended up in his attic, with his fiance, peering anxiously at the angry water from the surge rising just feet below, climbing swiftly, inexorably toward them with no way out.
    Incredibly, she married him anyway.


    I would say I can't imagine that kind of heat with no air conditioning, Strato... but of course I can. Although I'm sure we didn't suffer as much at night as you are now, because, with only a partial roof and no windows or doors, we were able to enjoy serious cross ventilation while camped out, inside. ;-)


    The critical aspect of the vulnerability of these places rests with the unmitigated development of the coastal regions to enable homes to be built on the beach. Mangroves are the natural buffer from storms and tidal surges. They are highly effective, but they have to be there. We have allowed them to be removed wholesale and now it's a clear, unfettered path from the ocean to the communities. Where's the beach? Washed out to sea.


    We need to resist the tendency we have developed to agree the dollar is almighty and therefore so are the CEOs who have the most dollars, and their heartless corporations. We have sacrificed the priority of people before profits. We have a developed a disturbing acceptance that we will abandon people if the price is right. We have come to accept that if the percentage is minimal, it is insignificant. Nothing less then 100% survival should ever be tolterated. We should never stop aiming for perfection.

    It seems to me Cheney is the example of this flagrant disregard for people's lives and he represents many CEO-types. You know the ones, with their exploding vehicles and tainted produce. These people are criminals and should be treated accordingly. We should not defer to them or show them any respect whatsoever. They truly have no character.

    What bothers me the most about this post is that I see the American people have come to accept these heinous practices by insurance companies. That these companies have disintegrated wholesale into these parastic organisms who take out money with no intention of being there when a need emerges is deplorable. One would have thought maybe one or two comapnies would rise to the occasion and shame the rest into providing the services they insured people they would. Instead, it seems they all abandoned their responsibilities at once. Conspiracy?!? Or have we fallen so far as a society it has become common and tolerable?


    "And the question is this: is the Obama administration ready, fully re-trained to do better? Has the insurance industry been reprimanded, regulated or contained in any meaningful way?"

    Obama administration will do better on the response.

    Insurance industry, still in charge of health care and its huge chunk of the economy, will continue to be act without concern for people.


    Interestingly, my neighborhood isn't in an evacuation zone which has made me acutely aware of the topography of the area. It's become a bit of a fascination.

    Thanks for sharing the story about your friend. Funny how those close calls can bring people together!


    That is very true, Gregor. And it's not just the mangroves, it's the messing about with barrier islands (not called barrier for nothing) and tidal wetlands, either by artificial sand reclamation or engineered dredging projects.


    Gregor, in 2004/5 I did not think it was an industry conspiracy because: a) my experience in 1989 had given me faith in the industry so I suffered a period of denial; and, b) I had no time to think because I was either making a new claims binder (they were never forwarded from one adjuster to another, as yet another delaying tactic) or, I was on the phone, sending emails and writing letters to try to get my claim paid. Everyone else I knew was doing the same -- each of us, because it involved money, in isolated bubbles of negotiation, and so, for all of us, collectively, the nightmare of across the board insurance malfeasance unfolded in slow motion, one week and month at a time.
    It was only after six months, when the local paper and the engineers and other local sources started keeping statistics on who was being paid and who was not that the pervasiveness of the pattern was revealed.
    I personally knew only one woman who was paid within that time frame -- an 83 year old widow whose insurance agent had been her college sweetheart. The rest of us did not have such a sweetheart deal.


    I really hope so, but it only takes one to make a disaster. Let's toast a glass in hopes that there's lots of upper-level shearing winds to keep those monsters weak this year!


    And even more is the way the Corps has botched where all the sediment goes. In the Mississippi delta all of that dirt shoots straight out into the Gulf. It used to build up the delta every time it flooded and kept up with subsidence. Without the dirt every year, there's only subsidence happening. Combine that with sea level rise and there's a grim story. I hope we can come up with a plan that brings the dirt back to at least some of the delta.


    Good point, TheraP. People love being near water. It's yielding, and would rather flow around things. But it's also one of the most powerful forces that we regularly deal with.

    One thing that will never make sense to me is how people can rebuild after a flood--in exactly the same place. And not just once: Sometimes this happens multiple times. I believe that New Orleans was destroyed 2 or 3 times before it was even part of the U.S. The French kept re-building right in the same place. We humans may not be the smartest, but we certainly can be persistent!


    Wendy - Congress had given FEMA $13 billion for the '04 hurricanes. By August of 2005, only about $6 billion had been spent, so it wasn't lack of funds.

    But like the article said:

    Now that President Bush has won Florida in his 2004 re-election bid, he may want to draft a letter of appreciation to Michael Brown, chief of the Federal Emergency Management Agency. Seldom has any federal agency had the opportunity to so directly and uniquely alter the course of a presidential election, and seldom has any agency delivered for a president as FEMA did in Florida this fall. [Government Executive, Nov. 3, 2004.]

    I truly think the reason the panhandle got skunked is because, compared to south and central Florida, it is so sparsely populated. By keeping the money and FEMA workers south of the Panhandle, many more votes were guaranteed than the few that would be gleaned from your end of the state.

    For New Orleans, the population numbers were there, but it is a blue city and poor. No votes or money were going to be given in gratitude to the Republican party, so why bother to get all excited about it in the first place?

    For those wondering about flood insurance in the US, would you believe it is offered by the US government through private sector insurance agents? It is much cheaper to insure your house and the contents against flooding than it is to visit a doctor and buy medicine for bronchitis.

    So it turns out that the federal government is already in the insurance business. Does that mean we're all socialists now, even though most of us didn't know it? :-)


    Ooops, that was meant to be a reply to Wendy here. Sorry about that!


    Seashell: Thinking I was getting the best policy available, I bought a flood policy, not from FEMA, but from Lloyd's of London, with no coverage for contents. I would be embarrassed to tell you what I paid for that policy, thinking it was worth it. I then bought wind and contents insurance in combination from a company (one of many) that declared itself "insolvent" immediately after the hurricane, which automatically triggered a shifting of all its claims into the state pool. The state sent notices right away that "the number of claims in the pool will result in no payment, at all, for personal possessions." Period end.
    However, the nicest person I met in the entire process turned out to be the adjuster from the state pool, who turned up one day, unannounced, eleven months later, in July 2005.

    He was the wind guy. But he was so angered by the obvious flood damage he saw (which had been denied by their adjusters as wind damage, although there was a waterline at 8') that he not only approved the maximum allowable payout from the pool for wind damage (although nothing for contents) but also personally called the latest adjuster from Lloyd's of London on the spot, informing him that he was on-site and could affirm the flood damages and that they better pay up.
    Four months later they paid, though only 70%.
    I truly think that all my months of phone calls, emails and documentation would have been for naught if it had not been for that single encounter with a good man who believed in doing the right thing.
    I was far luckier than most.


    Wow. Now that's a story!

    So in the scheme of things, I think you would have been better off with the National Flood Insurance Program (NFIP) rather than LoL. Which is how I feel health care could work, too.

    ... (which had been denied by their adjusters as wind damage, although there was a waterline at 8') ...

    Reminds me of menopause as a pre-existing condition. What wild imaginations these insurance companies have. :-)


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