Katrina damaged your home, your business, and has affected the lives of you and your loved ones. What do you do?

You have been forced to change your lifestyle and watch your friends and family deal with this tragedy. You don't need an insurance company that you have paid money to for protection ignore your calls and make your life more difficult.

We are here to help you and give you advice on your legal rights, regarding your insurance coverage. Katrina was different, because most of its devastation was caused not by floods but by storm surge—which is generated by wind.

Many of these legal actions will hinge on the “wind versus water” controversy, which boils down to a deceptively simple question: What part of the hurricane actually caused the damage? Was it the 150-mph winds, the wall of water formed by the storm surge, or flooding?

The question is crucial because most homeowners' insurance policies cover only wind damage, not flood damage. Most private insurers don't even offer flood insurance, which is sold almost exclusively through the Federal Emergency Management Agency (FEMA) at subsidized rates. FEMA's insurance program defines a flood as “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties

CALL US AND GET SOME ANSWERS---TODAY!!!!!!!

New Orleans Office    Mark S. Senter    John H. Carney & Associates    1100 Poydras St., Suite 2900    PMB 149    New Orleans, LA 70163    Toll Free (866) 368-8346    Email: MSenter@johnhcarney.com

Dallas Office    John H. Carney & Associates    One Meadows Building    5005 Greenville Avenue, Suite 200    Dallas, Texas 75206    Telephone(214)   368-8300    Toll Free  (866) 368-8346    Fax  (214) 363-9979    JHCBlue@aol.com