Clark has been to the area hit by Hurricane Katrina three times since it hit, and nothing has changed. There has been essentially no progress, in part, because of the court fight over who should pay for the reconstruction. Insurers have said they are not responsible because storm surges aren’t covered by homeowner’s insurance. Meanwhile, government is stalling as well. One insurer, State Farm, has agreed to pay hundreds of millions of dollars in claims. That means that about about 40,000 will be able to appeal the denials they originally received. But the homeowner’s insurance system clearly needs to be revamped completely. Homeowner’s insurers are abandoning Florida all together because of predictions that storm activity is going to grow in Florida. The risk is just too high. So, in Florida, people must go to a state risk pool to buy homeowner’s insurance. That is basically the government doing private industry’s work. That begs the question: where do we need to go with this? Clark thinks we need is a unified policy system, where homeowner’s and flood insurance comes under the same title. That way, there is no finger pointing and blaming the other guy. The overall picture that Katrina smacked in our faces is that our system is haphazard and needs to be fixed.