The New York Times has a story on insurance company tactics in dealing with their insureds in New Orleans (as well as the rest of the Gulf Coast area hit by Katrina and Rita).   The story speaks for itself.  The part that hit home was the statement by someone who said they were too tired to fight anymore.  Sickening tactics.  The insurers are there for you when it is time to accept your premium, but not so much when it is time to pay on their policies.  They have been grinding down the “little guys” in New Orleans since the storm, to the tune of millions.