A home with a damaged roof stands after Hurricane Delta made landfall in New Iberia, Louisiana, U.S. Photographer: Bryan Tarnowski/Bloomberg In recent weeks a handful of insurance companies nixed just over 80,000 policies in the Bayou State. As carriers bow out, not only are residents scrambling to find new coverage, but they are faced with limited choices. (Credit: Bryan Tarnowski/Bloomberg)

(Bloomberg) — After meteorologists warned of another active Atlantic hurricane season this year, insurance companies have closed shop in Louisiana and Florida, leaving in the lurch thousands of homeowners in those storm-prone states.

In Louisiana, ferocious storms have already taken their toll on the insurance market and made the state a “tough place to do business,” according to Jeff Albright, head of the Independent Insurance Agents and Brokers of Louisiana. Over the past two years, storms Laura, Delta and Zeta cost insurers $10.6 billion, while Ida alone cost $30 billion, causing some carriers to declare insolvency.

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