“It absolutely created a crisis,” says Ben Riggs, executive director of Real Reform Louisiana, a nonprofit seeking accountability from the insurance industry. In the wake of Ida and several other destructive hurricanes, a sixth of the state’s insurance market became insolvent. Some have now been waiting on critical home repairs for four years. These bankruptcies left more than forty thousand people at the mercy of a state-backed program that took over their claims. Soon, it joined eleven other insurance companies that had recently failed in Louisiana, on top of more than a dozen that have exited the state since 2020. But in Ida’s aftermath, Tobias was one of more than half of its policyholders to file claims - and Americas Insurance didn’t have nearly enough liquidity to cover the $230 million in damages. Like many other companies drawn to Louisiana by its generous government subsidies, Americas Insurance had grown rapidly, increasing its portfolio in the state by 552 percent over a decade. In the days and weeks to come, her insurer, Americas Insurance Company, was slow to respond to her $5,000 claim. When the dim morning light finally broke, Tobias found she’d been comparatively lucky: her porch railing was torn off, and eight windows were shattered. “I have never been that scared,” she says. Alone in the darkness, all she could hear was the roar of the wind. It tore through the bayous, lashing boats ashore and splintering telephone poles. As it began to pour, Tobias, who is in her sixties, decided she’d have to take her chances at home.īy the time the Category 4 storm made landfall, it was one of the strongest to ever hit Louisiana. Fueled by abnormally warm waters in the Gulf of Mexico, the storm strengthened rapidly. While she packed, family members called to report they were stuck in fleeing traffic. Davis, Kennedy Elliott, Amy Hughes, Ben Koski, Allison McCartney and Karen Workman.As Hurricane Ida approached New Orleans on a sticky August morning in 2021, Janet Tobias listened to the news, trying to decide if she should evacuate. David Goodman, Blake Hounshell, Shawn Hubler, Annie Karni, Maya King, Stephanie Lai, Lisa Lerer, Jonathan Martin, Patricia Mazzei, Alyce McFadden, Jennifer Medina, Azi Paybarah, Mitch Smith, Tracey Tully, Jazmine Ulloa, Neil Vigdor and Jonathan Weisman production by Andy Chen, Amanda Cordero, Alex Garces, Chris Kahley, Laura Kaltman, Andrew Rodriguez and Jessica White editing by Wilson Andrews, Kenan Davis, William P. Epstein, Nicholas Fandos, Lalena Fisher, Trip Gabriel, Katie Glueck, J.

Bender, Sarah Borell, Sarah Cahalan, Emily Cochrane, Nick Corasaniti, Jill Cowan, Catie Edmondson, Reid J. Reporting by Grace Ashford, Maggie Astor, Michael C. Lee, Vivian Li, Rebecca Lieberman, Ilana Marcus, Alicia Parlapiano, Jaymin Patel, Marcus Payadue, Matt Ruby, Rachel Shorey, Charlie Smart, Umi Syam, Jaime Tanner, James Thomas, Urvashi Uberoy, Ege Uz, Isaac White and Christine Zhang. The Times’s election results pages are produced by Michael Andre, Aliza Aufrichtig, Kristen Bayrakdarian, Neil Berg, Matthew Bloch, Véronique Brossier, Irineo Cabreros, Sean Catangui, Andrew Chavez, Nate Cohn, Lindsey Rogers Cook, Alastair Coote, Annie Daniel, Saurabh Datar, Avery Dews, Asmaa Elkeurti, Tiffany Fehr, Andrew Fischer, Lazaro Gamio, Martín González Gómez, Will Houp, Jon Huang, Samuel Jacoby, Jason Kao, Josh Katz, Aaron Krolik, Jasmine C. 2020 comparison maps exclude places where third-party candidates won more than 5 percent of the vote. The Associated Press also provides estimates for the share of votes reported, which are shown for races for which The Times does not publish its own estimates. These are only estimates, and they may not be informed by reports from election officials.

The Times estimates the share of votes reported and the number of remaining votes, based on historic turnout data and reporting from results providers. House, Lieutenant Governor, Attorney General, State Senate, State House, Agriculture Commissioner, Comptroller, Criminal Appeals Court, Land Commissioner, Railroad Commissioner, Supreme Court, County Judge, State Board of Education) and Decision Desk HQ (Mayor) race calls are from The Associated Press and Decision Desk HQ. Source: Election results are from The Associated Press (Governor, U.S.

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