http://www.cbsnews.com/stories/2006/10/24/katrina/main2119689.shtml Interesting. OK, so the insurers are cheapskates and trying to cheat everyone out of their rightful losses, as always, but on average, white families fight back, black familes take what was offered, resulting in a disparity. Now, there were some issues with getting in touch with people, but some of them say even had they known about the government help in fighting the insurance agencies, they wouldn't have trusted it or used it, because they just figure they'd lose (no evidence of a disparity among races in those who did fight, if I read correctly). So - how do you help people who refuse help? Is it really anyone's fault but their own if they decide they don't trust government, so won't give it a chance to help them?