This whole deal with the 200 gazillion dollars demanded by LA for rebuilding got me thinking about what responsibility the govt should bear in all of this. Now, if you own your home, it seems incumbent upon you (and required if you have yet to pay off your home loan) to have homeowners insurance. That insurance is supposed to pay for damage as a result of disaster (provided you bought insurance against that particular form of disaster). FEMA will grant up to $200k I suppose to cover deductibles and other sort of stuff. If you own a home or apartment that people rent you would also have to have insurance right? I don't currently own a home, I rent, but I have renters insurance against my possesions and insurance on my car. The dude that owns the house has insurance on the house I live in. So what are we going to rebuild (on your dime and mine)? Are we going to pay to rebuild homes that are insured and absove the insurance companies of their contractural responsibility? Are we going to hand someone a check for the value of the home regardless if their insurance is already paying to rebuild it? If someone owned a home and did not have insurance are we going to rebuild it? If so, why? If someone is renting are we going to hand them a check too? These are answers I think we need to have before we start mailing blank checks to individuals in Louisiana. Even more so before we hand $$ over to the state and local govt. down there. That place is not known for repute in its govt spending. Seems to me that if someone did not have enough sense of personal responsibility to insure their belongings then it is they, not us, who is liable for the replacement.