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Where the Mississippi River nears its end, sits a city that nearly faced its own end.“It’s a different kind of place,” said Louisiana native Hosea LaFleur.Nearly 15 years after Hurricane Katrina, New Orleans remains a city where the past never strays too far from the present. The storm is still felt by every homeowner here on their homeowners’ insurance bills.After the storm, insurance companies no longer wanted to offer homeowners insurance in parts of Louisiana that were vulnerable to hurricanes. They thought it was a money-loser.So, the state created Citizens Insurance. Initially controversial, it was funded by all the property owners in the state, including people who didn’t live anywhere near the damaged areas.“That certainly was a hard sell for those folks,” said Louisiana Insurance Commissioner Jim Donelon.Louisiana’s Citizens Insurance eventually helped stabilize the insurance market after Katrina and attracted more than 30 new insurance companies to the state. The number of homeowners on Citizens has also since plummeted, from 174,000 in 2008 to about 38,000 today, representing about 0.4 percent of the market there.“The policyholders are contributing fees, as well as the companies writing business contribute fees,” said Joey O’Connor, owner of the O’Connor Insurance Group and president of the Independent Insurance Agents and Brokers of Louisiana.Hosea LaFleur’s coastal home is on Citizens Insurance.“Just fell in love with it,” he said of the home. “Fell in love with the people, the things, the atmosphere.”It’s been hit by hurricanes twice: first Katrina in 2005 and then Gustav, three years later.“Knocked our walls down, everything down,” LaFleur said.Despite the repeated rebuilding, he wouldn’t dream of giving it up.“It's home to us,” LaFleur said. “We love it. We love everything about it.”Robert Allen is an adjunct professor at the School of Professional Advancement at Tulane University. His courses specialize in risk management and threat assessments. “That's going to start adding up,” he said, of rebuilding in vulnerable natural disaster areas. “Who foots the bill at the end of the day? You do. I do. Everybody else does.”Last year, the U.S. experienced 14 separate billion-dollar natural disasters: two hurricanes, two winter storms, eight severe storms, wildfires and a drought.From California wildfires to Midwest floods to coastal hurricanes, Allen said that as some insurance companies pull back from covering some areas, taxpayers will need to figure out if they want to keep footing the rebuilding bill.“At the end of the day is going to come down to money,” he said. “I mean, how much money is being put into that and at what point again do you decide this is enough?”Allen said one idea that’s been floated is to create a federal natural disaster insurance program, similar to the national flood insurance program. Taxpayers everywhere would be responsible for keeping it solvent.“There was talk or there is some kind of undertones about doing that with all hazards threats -- like doing that with the fires and just underwriting some of this stuff,” Allen said.It’s a challenge that taxpayers will have to confront, if they chose to rebuild areas hit over and over again by nature’s fury. 3259
WASHINGTON, D.C. – The .2 trillion coronavirus relief package is giving help to small businesses to keep their workers on the job. Starting Friday, businesses can apply to the 9 billion 203

White reporters were barred from attending a meeting in Savannah, Georgia, where community leaders discussed upcoming mayoral elections, the 153
Weak effort from @BurgerKing re: rebel whopper, wtf is the point bringing out a veg burger that's cooked with meat? I'm not precious about cross contamination but I draw the line at my food literally being cooked in meat juices. Get a new grill & change the mayo you cowards.— ?? Seeds in the Wasteland ?? (@seedsinthewaste) January 6, 2020 356
University of Wisconsin assistant men's basketball coach Howard Moore lost his wife and young daughter in a fatal car accident near Ann Arbor, Michigan early Saturday morning.Moore, his wife and his two children were hit head-on by a female driver going the wrong way, Michigan State Police said.That driver, along with Moore's 9-year-old daughter Jaidyn and his wife, Jennifer, died as a result of the crash, police said.Moore, 46, and his 13-year-old son Jerell are being treated at the University of Michigan Hospital. The family's dog also died in the accident, police said.The university, where Moore has coached since 2015, said Moore is in stable condition in the ICU and his son is "up and walking around.""Howard has been a terrific ambassador for Wisconsin for nearly 30 years, dating back to days as a UW student athlete," the university said in a statement. "Our hearts are with Howard and Jerell and we, as a community, will support and lift up the entire Moore and Barnes families."Head coach Greg Gard said the university is "devastated.""Howard is so much more than a colleague and coach," Gard said in a statement. "He and Jen and their children are dear friends to everyone they meet. Their positivity and energy lift up those around them.""We will miss Jen and Jaidyn dearly and we will put our arms around Howard and Jerell and the entire family, giving them love and support during this unspeakable time."Moore, who graduated from the university, returned to assist in coaching after spending five seasons as head coach at the University of Illinois at Chicago."He has always been an incredible representative of our athletic department and a positive influence on everyone around him," director of athletics Barry Alvarez said in a university statement. "We are truly heart-broken for his family and will be doing everything possible to help him through this tragic time."Dozens flooded social media with messages of support and love for Moore.Coaches and college basketball teams -- including from 2033
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