An article from 2005 while Hurricane Katrina raged through the States remains relevant today.

In today’s five tips, we’re going to tell you what you need to know about your insurance if your home as been damaged or destroyed in the hurricane.

1. Contact your insurer, stat.

The New York Times recently brought up a casualty of the economic climate facing many states: the cost/benefit analysis being made by states in regards to insurance against dangerous storms. Often extremely costly and unnecessary, this reinsurance looks to bolster defenses against disastrous natural calamities but, with budget cuts at a premium, states are beginning to count every dollar and looking to go without.

Public insurance programs in some coastal states are flirting with the notion of saving millions of dollars every year by shrinking or canceling the coverage they buy from private reinsurers — the deep-pocketed companies that insure insurers whose exposure to loss exceeds the budgets of some nations.

States are the insurers in this case. And they are either tired of paying piles of cash for reinsurance policies that are rarely needed, or too broke financially to maintain coverage that has saved state residents from paying billions in hurricane damage claims. In the parlance of the insurance business, without coverage or a hedge against their expensive risks, they are “running naked.”

In something around 24 hours, 3 tropical storms have popped up according to the National Weather Service. While two (Ana and Bill) are still off into the Atlantic, Claudette hit Florida late last night.

Now is as good a time as any to prepare for any future storms that may come. You can check out our section on various storm and hurricane preparedness tips, available here, and make sure that your home preparation checklist is complete before the height of storm season gets here.

In brief, from the Palm Beach Post:

Florida Atlantic University’s School of Architecture plans to begin offering training classes for workers and supervisors who are going to be removing Chinese drywall from homes.

According to a flyer by the school, two courses – a one-day worker safety awareness class, and a supplemental two-day supervisor and worker safety awareness training – are currently being developed.

A quick blog posts for those residents of Florida who have been enjoying state-enabled discounts for storm-preparedness: get them while you can as they might not be around much longer.

“What we’re giving them now is not right,” Apopka State Representative Bryan Nelson (R) said.

Nelson is both a lawmaker and an insurance agent. He said those discounts need to be cut so inland homeowners can stop subsidizing premiums for coastal homeowners.

The Wall Street Journal reports that government officials will be visiting China to investigate drywall manufacturing sites to better understand the problem occurring in homes across the United States. The report states

U.S. Consumer Product Safety Commission officials have received approval to visit several sites in China later this month to investigate problems with imported drywall that was manufactured there, the agency said today.

Agency officials also have started indoor air sampling in 50 homes and visited a synthetic drywall manufacturing plant in Florida as part of their investigation, the agency said in a status update report posted on its Web site. Chinese officials earlier accompanied U.S. officials in visits to some affected homes in Florida and Louisiana.

It looks like the MDL proceedings dealing with Chinese drywall will be moving along quite quickly, or is at least planned to be according to the judge in charge. Meeting with attorneys, with attorney Jeffrey Berniard in attendance, Judge Fallon notified both sides that the litigation would be moving forward and that he hoped to even have cases beginning just after the new year.

The Herald Tribune reports

Judge Eldon E. Fallon, who plans to begin “bellwether” trials in January, told both sides during a status conference in New Orleans on Tuesday that he expected discovery to begin in a few weeks.

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