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The article reports that rising insurance costs are hampering residential and commercial rebuilding in Hurricane Katrina-affected regions of the U.S. State and federal governments are trying to provide relief to help the regions recover from Hurricane Katrina's destruction. Congressman Gene Taylor has proposed an insurance bill that will add wind coverage to the existing national flood program.

The article reports on critical issues concerning insurances in Mississippi following the Hurricane Katrina. Reinsurance industries are found to have no control over the reinsurance market. It is believed that in the absence of reinsurance, most insurance companies affected by such disaster are likely to suffer financially. The passage of a Wind Pool legislation in 2007 is believed to speed up the recovery and growth of the state as it establishes economic equilibrium by lowering rates. INSET: Talking politics: Dale awaits word on candidate status.

The article reports on the issue regarding the cost and availability of insurance after catastrophic hurricanes in 2004 and 2005. Mississippi Attorney General Jim Hood proposes legislation to require State farm to continue writing new homeowners and commercial property policies in Mississippi. On the other hand, Insurance Commissioner George Dale states that the proposed legislation should proceed cautiously to avoid jeopardizing an already fragile insurance market.

Focuses on the hurricane insurance market in the Gulf Coast. Status of the market after the end of the 2000 hurricane season; Damages caused by hurricanes in the region; Keys to lessening the impact of hurricanes on businesses; Major companies offering hurricane insurance.

Discusses the importance of the hurricane deductible for both property owners and insurance companies in Mississippi's Gulf Coast. Vulnerability of properties in the area to hurricanes; Hurricane deductible rate approved by the state; Insurance Commissioner George Dale's vacillating stand on the issue.

The article reports on the improvement in the market for homeowners and commercial insurance in the Mississippi Gulf Coast. State Insurance Commissioner Mike Chaney announces that four private insurance companies are starting to offer wind and hail coverage on the area. Chaney further claims that consumers are able to get reasonable rates in the commercial market.

The article highlights the message from the Mississippi Emergency Management Agency (MEMA) which was summed up as plan, review and prepare for the possibility of hurricane season. Assistant director Lea Stokes said that the agency held a statewide seminar and exercise that provides training and information to emergency workers and officials. Rupert Lacy, disaster director of Harrison County advices on insurance policies review for home and business owners.

The article reports on the move of Commissioner of Insurance Mike Chaney to encourage all coastal residents to protect their lives and property by making early preparation, as the 2008 hurricane season is approaching in Mississippi Gulf Coast. It states that the first item on the list of preparations should be flood insurance as it takes 30 days for a flood insurance policy to go into effect. Chaney says that standard homeowners insurance does not cover flood damage.

The article focuses on business planning in dealing with a disaster through risk assessment. Business people are suggested that they should be very cautious of risks in the facility of their business when they lease. Earthquake insurance might be considered as a good idea in the northwest part of the state that is at risk. Here, the willingness to accept or pay should be decided to avoid worry about the risk. Alarm systems and locks are also important to safeguard business against burglaries.

Editorial. Comments on insurance issues in the face of 1998 Hurricane Georges in Mississippi. Coping with reality and responsibility of preparing and living with Mother Nature's worst; Hurricane policies.

Comments on the Mississippi Insurance Commissioner George Dale's dilemma concerning insurance premium increases for residents of the disaster-prone Mississippi Gulf Coast. Significance of the insurance rate hike for residents.

Focuses on the importance of insurance in protecting small business from disaster. Outline of a standard business owner's policy and disability insurance; Coverage of product liability and workers' compensation insurances; Overview on the professional liability, business overhead protection and car insurances.