Katrina and the Insurance Issues

How bad is the insurance issue in the Gulf coast? How difficult is it for people to collect on their claims to have their homes rebuilt? Really bad. Look at it this way. Trent Lott, a predominant Senator, had to join a law suit before he could collect on his claim after he lost his home. Wow, now these insurance companies must really have some clout when a sitting senator has to join the rank and file.