Desperate in the aftermath of Hurricane Katrina, an independent agent entered the office of his state association headquarters in Baton Rouge, La., and said, "I don't know what to do."

The storm had destroyed his office, displaced his family, and taken his father, one of the elderly residents who died when flood waters swamped a nursing home in New Orleans.

For insurance agents in New Orleans, elsewhere in Louisiana, and along the Mississippi Gulf Coast, the challenge is more than just serving clients. The hurricane has destroyed their offices, files and homes, and in some cases, killed loved ones.

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