Hurricane Katrina, the storm that ruined the Big Easy, was a bit like my fourth grade teacher, Mrs. Miller. She was harsh, strict, and demanding, but we learned. Boy, did we ever learn. She taught us lessons that we will never forget and, although I no longer remember many of the negatives, I sure remember the positives.

If we (the United States, not the claim industry; although there may be lessons there, too) fail to learn from the late August 2005 storm that devastated the Gulf Coast and, undoubtedly at publication time, still has adjusters scrambling to settle wind, flood, and business interruption claims, we deserve an F. Our current report card from Schoolmistress Katrina is bad.

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