re: Homeowner’s Insurance is collapsing in LA - UPC gone, Cajun now gone - rates up 40%

Build stronger. Retrofit buildings and require new construction to be more robust. Insurance companies package product and blending high risk with lower risk is needed. Looks at Baldwin and Mobile Counties with the FORTFIED program - it's stabilized their entire insurance market with stronger requirements for retrofits and new construction.

Also make sure the appraisal of the buildings reflect the insurability. Some homes are not worth what they used to be and the appraisal/mortgage underwriting/property tax assessments need to reflect this.