LOUISIANA INSURANCE CLAIM PROTECTION INFORMATION

JULY 2007

PROVIDED BY: The Pro Bono Project, Common Ground Legal Collective, and the Loyola University College of Law Katrina Clinic, Southeast Louisiana Legal Services

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

INSURANCE INFORMATION PRESERVE YOUR RIGHTS PACKET
Under most property and homeowner’s insurance contracts, people with open claims relating to Hurricanes Katrina and Rita are not allowed to file suit against their insurance company more than TWO YEARS after their damages occurred. For victims of Hurricane Katrina, this date is August 30, 2007, and for victims of Hurricane Rita, this date is October 1, 2007. IF YOU DO NOT FILE BY THESE DATES YOU WILL NEVER BE ABLE TO DO SO. THIS MEANS YOUR INSURANCE COMPANY WILL NOT HAVE TO NEGOTIATE WITH YOU ANY FURTHER. (The National Flood Insurance Program generally has different terms, and this packet may not apply to the time line for flood insurance claims.) We suggest you file suit by August 30, 2007 at the latest. Without the possibility of a lawsuit, your insurance company may have less motivation to deal with you fairly. In order to protect your rights, we strongly urge you to find an attorney to help you file a claim. If you need help finding an attorney, see the contact information given at the end of this packet.

Protect yourself by doing these things: Hurricane Katrina Victims, you must: (1) settle or (2) file suit by August 30, 2007.

Hurricane Rita Victims, you must:

(1) settle or (2) file suit by October 1, 2007.

“PART A” of this packet will provide you with information on how to settle your claim, primarily through the Louisiana State Hurricane Mediation Program. “PART B” of this packet is an instruction sheet and pro se petition you can file in court, on your own, without an attorney.

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

Part A HOW TO SETTLE If you have not already signed up for the free Louisiana State Hurricane Mediation Program, you should do so. Included are materials about the program and how to register and prepare for it. Read The Attached Mediation Materials Carefully. 1. When registering, ask for a mediation date before August 30, 2007. 2. If you get a date before August 30, 2007 (or October 1, 2007 for Hurricane Rita victims): 2a. Contact an attorney to prepare for filing a claim if mediation fails to result in settlement. 2b. Go to the mediation and use the advice given to you in this packet. 2c. If you do not settle at the mediation, you should file suit using the the advice of an attorney by August 30, 2007 (or October 1, 2007 for Hurricane Rita victims): . 3. If you get a date after August 31, 2007 (or October 1, 2007 for Hurricane Rita victims): 3a. File suit using the instructions of an attorney by August 30, 2007 (or October 1, 2007 for Hurricane Rita victims): 3b. Go to the mediation and use the advice given to you in this packet.

Whenever you are dealing with an insurance company, always keep a copy of the information you are providing them for your records

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

How to Prepare for Mediation with Your Insurance Company
Mediation is an optional step after you receive a denial or a settlement offer that you are unsatisfied with. Only after you have sent your complete case in a detailed letter to your insurance company, and reviewed your claim with an attorney, should you request mediation. How to Request Mediation through the Louisiana Hurricane Mediation Program Contact the Louisiana Department of Insurance at 1-800-259-5300 or 1-800-2595301 Contact the American Arbitration Association at 1-800-426-8792 or http://www.adr.org; Print out a copy of the mediation request form, available at http://www.ldi.state.la.us/whats_new/Mediation%20Request%20Form.pdf and mail it certified to: American Arbitration Association, Center for Mediation, 1100 Poydras Street, Suite 2725, New Orleans, LA 70163 or Fax it to: 504-561-8041. It is recommended that you call first or fax the form. You should receive notice at least ten days prior to the date your mediation is scheduled. If you absolutely cannot attend, call the administrator listed on your notice right away and change your appointment. If the date for mediation falls after your deadline for filing suit, make sure to send you insurance company the enclosed letter asking them to put in writing that they will extend your time to file suit 30 days after the mediation. YOU MUST BE ON TIME AND PRESENT FOR YOUR MEDIATION! IF NOT YOU LOSE YOUR RIGHT TO A FREE MEDIATION, AND WILL HAVE TO PAY! Mediations are scheduled for two hours, but may go longer if both parties agree Either party can request that the mediator be replaced if there is good cause. Mediation is paid for by the insurance company unless you fail to appear or cancel without cause. Failure to arrive within 30 minutes of the starting time will be considered failure to appear. How to Prepare for Your Mediation Many insurance companies are attempting to deny claims they classify as “flood” damage. However, your damage may be the result of wind and wind-driven rain, which is covered under homeowners policies. Rain entering the structure due to wind damage PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

can cause interior and structural water damage. Roof, window and exterior wall damage are likely wind damage. Collect statements about wind damage from neighbors who stayed during the hurricane. Be sure to include a time-line (when the wind and rain occurred, when the flooding occurred) and note if the water rose slowly or gently. It’s best if they have witnessed the pre-flooding wind damage to your home, but statements witnessing similar wind damage to their own homes are helpful too. If your homes are nearby, include the distance. Have them sign and date a written statement saying what they saw. If possible, have this statement signed in front of a notary. Free notary services are available at Loyola Law Clinic, 526 Pine Street, New Orleans, Louisiana. Phone: 861-5590, and usually available Saturday, 12-3 at 1417 Franklin Ave, Common Ground Legal Clinic. Ask your neighbors, who have similar damages and the same insurance carrier, how their company treated them. If they got more money than you did, you should bring evidence of that into the mediation with you. Collect weather data about wind speeds and rainfall to support your claim. If you can get an architect, public adjuster, engineer or contractor to justify your claim, ask them to attend or provide you with written information to use. Proving Your Damage and Costs Gather as much evidence of the damage and costs as possible. Make copies of everything. Also, write a detailed estimate of damages above the flood line. Take photos of all the damage you think should be covered by your policy. Get a detailed estimate for permanent repairs to your home from a reliable contractor. The estimate should contain the proposed repairs, repair costs and replacement prices (and/or records of completed repair costs). Get estimates for exterior damage, such as trees, fences or sheds (and their contents). Prepare a detailed inventory of all damaged or destroyed personal property. Your list should be as complete as possible including a description of the items, dates of purchase or approximate age, cost at time of purchase and estimated replacement cost. (Collect canceled checks, invoices, or receipts to help to determine the value.) Your living expenses due to displacement may be covered. Collect canceled checks, invoices, receipts or credit card statements for evidence. Whenever you are dealing with an insurance company, always keep a copy of the information you are providing them for your records!!!! The Mediation Review your policy carefully and make certain the ‘named insured.’ can attend. If not, someone with ‘power of attorney’ to act on behalf of the ‘named insured' must attend. Insurance companies will have skilled adjusters to argue their case: you may want an attorney with you. If so, you must provide the name of the attorney to your administrator at least 6 days before the date of the mediation. PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

Make a complete Claim File, including all the evidence you collected to support your claim. Keep things orderly and easy to follow. Bring two copies of your Claim File to the mediation, one for you and one for the insurance representative. Bring a summary letter of your dispute for the mediator. After Your Mediation You are not legally obligated to accept the outcome. You can accept a partial settlement. If your insurance company agrees to pay you for some claims, but not all, you can ask the insurance company to agree in writing to pay you that amount as a partial settlement. Include in writing, in the agreement that it’s only a partial settlement and other claims remain open. Then find an attorney to file suit for you on the other claims. If you attend mediation without an attorney, you have a 3-day grace period to change your mind about accepting the mediation decision. Inform your insurance company if you change your mind. Nothing you say in mediation can be used against you in any other proceedings. If you are not satisfied you can still sue your insurance company. IF YOU CASH A CHECK GIVEN AT MEDIATION, YOU ARE ACCEPTING FINAL PAYMENT, AND CANNOT DISPUTE THOSE CLAIMS FURTHER. Additional Information. - American Arbitration Association 1-800-426-8792 - Louisiana Department of Insurance 1-800-259-5300 or 1-800-259-5301 - Want the state brochure on Mediation? http://www.ldi.state.la.us/whats_new/Hurricane_Mediation_Program_brochure_Revised. pdf - Want to hire a public adjuster? http://www.napia.com/docs/PA_firms_hurricane_claims_gulf_states.pdf - Need more tips for mediation? http://www.adr.org/si.asp?id=2090 - Need free legal advice? NOLAC 504-529-1000 Loyola Law Clinic 504 861-5590 SE LA Legal Service 1-800-521-6242 Fair Housing Center 877-445-2100 Common Ground Free Legal Clinic, 504-717-7324 - Need help finding an attorney? LA Bar Referral and Information Service can help. Call 1-888-503-5747 or at www.lsba.org (click on Public Services).

PART B
PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

Instructions for Filing Pro Se Complaint Form
PLEASE NOTE: IN ORDER TO PRESERVE YOUR CLAIM, YOU MUST DO THE FOLLOWING! 1) FILE IN THE CORRECT COURT 2) PAY COURT FEES ( or are able to get “In Forma Pauperis” status) 3) PAY FOR SERVICE OF PROCESS 4) GIVE THE CORRECT ADDRESS FOR SERVICE 5) FILL YOUR FORMS OUT COMPLETELY

If, after reading the instructions you have questions about the requirements above, please contact one of the four organizations listed in the back of your packet.

The following instructions will help you complete the attached Pro Se Complaint form if your homeowner or automobile insurance provider has wrongfully refused to pay the amount due under your insurance policy (“Pro Se” translated from Latin literally meaning “for yourself” - Lawyers like to use Latin words to make themselves feel important). We strongly recommend that you engage an attorney to represent you before commencing an action and that you file your lawsuit before August 28, 2007. If you need to file suit, do not wait until the last minute to file. Complete the template in blue or black ink. Do not use pencil. Write clearly. If you are filing a claim under a flood insurance policy, you must file your complaint in federal court. You should revise the form accordingly if filing a flood insurance lawsuit. When filing your claim, you must include the requisite filing fee, which varies from parish to parish and depends upon whether you request a jury trial. (More about jury trials is discussed below) You may ask the court to waive the filing fees by filing an “In Forma Pauperis” form, which can be obtained from the clerk of court. The court may not make you pay the fees if you file this form showing that you cannot afford the fees. You should go the court where you will be filing your petition and ask for a copy of the “In Forma Pauperis” form at least one week before you will be filing your suit. (The form is different for each court, so be sure you are at the correct one)! The form will tell you what information you need to try and prove your eligibility for “In forma Pauperis” standing. File the “In Forma Pauperis” form with the attached materials at the same time you file the suit and DO THIS BEFORE AUGUST 28, 2007. (Note that filing the form does not automatically mean you will not have to pay the fees. The court has to look at your paper-work you turn in to determine if you are qualified). PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

To fill out the attached pro se petition: Step 1: Clearly print the name of the proper court where you are filing your claim (for example: CIVIL DISTRICT COURT FOR ORLEANS PARISH) in the blank space at the top of the first page, just above “State of Louisiana.” Just below, clearly print your full legal name in the blank space over the word "Plaintiff". Similarly, find the full legal name of your insurance company, and print this clearly in the blank space over the word "Defendant". Complete the sentence "NOW INTO COURT comes Plaintiff ..." by printing your full legal name in the blank space provided. Complete Paragraph 1 by again printing your full legal name in the first space provided. Clearly print the name of the Parish in which you reside in the second blank. Complete Paragraph 2 by clearly printing the full legal name of your insurance carrier in the blank. To complete Paragraph 4, you will need your insurance policy information. Your policy is numbered; locate this number and print it in the first blank space provided. Finally, if your automobile is the property that sustained damages, clearly print the word "automobile" in the final blank space and include a description. The description should include the year, maker, model, and license plate number. For example: Automobile, 1998 Ford Taurus LA Lic. LAM 000. If instead your house or business was damaged, print the word "residence" or “business,” followed by the address in the final blank space. In Paragraph 5, circle the appropriate name of the hurricane that affected you, then the appropriate date of the hurricane that affected you. Clearly print the date that you first notified your insurer of the damages suffered by the insured property in the first blank space in Paragraph 6. An exact date is NOT necessary; an estimate of the month and year, such as “In November 2005” or “Before June 2006” would be acceptable responses. Circle “does” or “does not” request a jury trial. Realize that by requesting a jury trial, you will be required to pay additional filing fees, and may have to post a bond, which can be up to $2,500. By filing the “In Forma Pauperis” form with your pleading, you may be able to avoid these charges. Requesting a jury trial will not necessarily get you a better judgment. It is always best to consult with an attorney. If you do not ask for a jury trial, you have ten days after your filing, or the defendant’s answer to ask for one. PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

Step 2: Step 3:

Step 4: Step 5:

Step 6: Step 7:

Step 8:

Step 9: Step 10:

Turn to the final page of the Pro Se Complaint. Write the date on the blank space provided, and sign the document on the space below. In the blank space on that last page, under the words "Please serve", clearly print the full legal name of your insurance company. Then, give the proper address of your insurance company on the next line. You must give the court the proper address for service of process. The proper address of the most common carriers is included in this packet, following the form. If your insurance company is not listed, contact the Louisiana Secretary of state at (225) 925-4704 or the Louisiana Department of Insurance at 1-800-259-5300 for the correct address of your insurance company for purposes of service of process. Attach a copy of your insurance policy to the Pro Se Complaint. File this complaint with a copy of your insurance policy with the Clerk of Court for the appropriate court in your parish. THE APPROPRIATE COURT IS THE CIVIL COURT IN THE PARISH WHERE YOUR PROPERTY IS LOCATED. (If it is a filing against flood insurance, file in the appropriate Federal court). Here is a listing of courts and addresses: Orleans Parish Civil District Court: 421 Loyola Ave, New Orleans, LA 70112 – (504) 592-9100- file at the clerk’s office on the 4th floor! St. Bernard Parish Courthouse: 1101 W. St. Bernard Hwy., Chalmette, LA 70043 (504) 278-4420 Jefferson Parish Courthouse: 200 Derbigny St., Gretna, LA 70053 (504) 731-4688 St. Tammany Parish Courthouse: 701 N. Columbia St., Covington, LA 70434 – (985) 809-8700 Washington Parish Courthouse: 908 Washington St, Franklin, LA 70438 (985) 839-4663 U.S. District Court, Eastern District of Louisiana (Federal Court): 500 Poydras St., New Orleans, LA 7013 (504) 589-7650 PLEASE NOTE: IN ORDER TO PRESERVE YOUR CLAIM, YOU MUST DO THE FOLLOWING! 1) FILE IN THE CORRECT COURT 2) PAY COURT FEES ( or are able to get “In Forma Pauperis” status) 3) PAY FOR SERVICE OF PROCESS 4) GIVE THE CORRECT ADDRESS FOR SERVICE

Step 11: Step 12:

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

5) FILL YOUR FORMS OUT COMPLETELY The pro se form is designed to be a minimal protection of your rights. It is strongly recommended that you make every effort to hire a private attorney.

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

_______________________________ STATE OF LOUISIANA Case No. Division ____________________________________, Plaintiff, versus _____________________________________, Defendant, PRO SE COMPLAINT

NOW INTO COURT comes Plaintiff, _________________________, who with respect avers as follows: 1. Plaintiff _________________________ now is, and at all times relevant
to this action was, a resident of the Parish of _________________, State of

Louisiana. 2. Defendant ____________________________ now is, and at all times
relevant to this action was, conducting business in Louisiana and may be

served though the Louisiana Secretary of State. 3. Defendant is and was engaged in the business of writing and selling insurance throughout the United States and the State of Louisiana. 4. Sometime prior to August 29, 2005, Defendant issued to Plaintiff an insurance policy, No. _________________ ("the policy"), by which

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

Defendant agreed to insure Plaintiff against loss arising from damages sustained to Plaintiff’s __________________________________________ _______________________________________________________. 5. Hurricane Katrina / Rita [circle one or both] made landfall in southeast Louisiana on August 29 / September 24th, 2005 [circle one or both], causing extensive damage to property insured under the policy. 6. ______________________, Plaintiff submitted a claim and demand under the policy to recover for losses sustained to insured property as a result of Hurricane Katrina / Rita. Plaintiff further satisfied all other terms and conditions of the policy. 7. Plaintiff's proof of loss fully advised Defendants of the facts of the claim and was more than sufficient to enable the insurer to act on the claim. 8. Defendant has wrongfully failed to act on the claim submitted by Plaintiff, or, alternatively, has wrongfully denied the claim within the time provisions established by La. R.S. 22:658 and La. R.S. 22:1220. In so doing, Defendant has breached the express terms and conditions of the policy and has otherwise denied Plaintiff the insurance coverage promised by the Defendant in a manner that has been arbitrary, capricious, and without probable cause.

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

9. Further, the Defendant has acted without reasonable basis or justification and in contravention of its duty of good faith and fair dealing in handling the Plaintiff's claim, namely: (a) the Defendant has unreasonably and intentionally refused to pay benefits to which the Plaintiff is entitled under the terms of the insurance policy; (b) the Defendant has unreasonably and intentionally delayed payments to which the Plaintiff is entitled under the terms of the insurance policy; (c) the Defendant has intentionally failed to conduct a reasonable investigation into the claim reasonably based on all available information, to reasonably evaluate and review the information, and to make reasonable and timely efforts to settle the claim; and (d) the Defendant has no reliable knowledge or information upon which to substantiate the denial of Plaintiff’s claim. 10. The Defendant has acted with actual knowledge or with reckless disregard of the lack of a reasonable basis in denying the claim, delaying payment of the claim, failing to make reasonable attempts to settle the claim, and failing to conduct a reasonable investigation into the claim and failing to reasonably evaluate the available information. 11. As a direct result of the Defendant's bad faith conduct, the Plaintiff has suffered compensatory damages in an amount not yet ascertained, and
PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

has and will continue to suffer damages, including, but not limited to stress, mental anguish, extended loss of use of the insured property and the costs and attorney's fees that may be incurred in maintaining this action, any costs and attorney's fees that may be incurred in maintaining this action. 12. Plaintiff is entitled to recover from the Defendant all losses, including damages costs and attorney's fees, caused by the Defendant's breach of contract and state law, in accordance with La. R.S. 22:658 as amended by Louisiana Act no. 813, effective August 15, 2006. 13. Defendant's intentional breach of its duty of good faith towards the Plaintiff has been accompanied by oppression, fraud, or malice. 14. Pursuant to La. R.S. 22:658, Defendant is obligated to pay Plaintiff proper coverage under the policy, plus a penalty of 50% on the amount to be due from the insured, or one thousand dollars, whichever is greater, or, in the event a partial payment or tender has been made, 50% of the difference between the amount paid or tendered and the amount found to be due as well as reasonable attorney fees and costs of the amount due in accordance with La. R.S. 22:658 as amended by Louisiana Act no. 813, effective August 15, 2006. 15.
La. R.S. 22:1220 provides that an insurer “owes to his insured a duty of good faith and fair dealing,” and provides that the insurer “has an affirmative duty to adjust claims fairly and promptly, and to make a reasonable offer to settle claims with the insured.” The statute further provides that “any insurer who breaches these duties shall be liable for any damages sustained as a result of the breach.”

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

16. La. R.S. 22:1220 specifically provides among the actions breaching the insurer’s duties set forth above are: a) “Misrepresenting pertinent facts or insurance policy provisions relating to any coverages at issue,” or b) “Failing to pay the amount of any claim due any person insured by the contract within sixty days after receipt of satisfactory proof of loss from the claimant when such failure is arbitrary, capricious, or without probable cause.” La. R.S. 22:1220(B)(1) & (5) 17. The statute further provides that an insurer who breaches this duty is liable for, in addition to any general or special damages, a penalty equal to the greater of two times the damages sustained or $5,000.00. 18. Pursuant to La. R.S. 22:1220, Defendant is obligated to pay Plaintiff the amount of actual damages sustained, plus a penalty of two times the actual damages sustained by Plaintiff. 19. Should an amendment to La.R.S. 22:1220 be enacted allowing for attorneys fees and court costs to be collected in light of defendant’s actions, defendant is obligated to pay the amount of those fees and costs to the Plaintiff.

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

20. Plaintiff is entitled to prejudgment and postjudgment interest on Plaintiff's claims. 21. The policy of insurance issue by Defendant to Plaintiff is a valued policy as defined by Louisiana Law. 22. In the event that it is determined that the insured property is a total loss and that the insured property sustained some loss covered by the policy of insurance, then, in that event, Defendant owes to Plaintiff the policy limits of said policy of insurance, less and except any sums already tendered to Plaintiff by Defendant. 23. Plaintiff does / does not [circle one] request a trial by jury.

WHEREFORE, Plaintiff demands judgment against Defendant, including payment for compensatory damages, statutory penalties, costs, attorney's fees, and for such further relief as the Court deems just and equitable.

Dated: ______________________

Please serve: ______________________________ (Name of Insurance Company) ______________________________ (Address of Insurance Company)

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

Insurance Company Addresses
Insurance Company LA Citizens Property Ins. Corp. ACE USA AIG Insurance Companies Allmerica Allstate America First Insurance American General American Reliable Arch Armed Forces Insurance Co. Automobile Club Family Insurance Co. Autonmobile Club Intl. Ins. Exchange Balboa Insurance Group/Meritplan Ins. Bankers Ins. Co. Phone Number 800-931-9548 800-433-0385 800-242-2418 800-628-0250 800-547-8676 800-551-5100 877-263-7890 800-321-2452 ext.2701 800-245-1505 800-817-3252 archinsurance.com 800-664-9331 913-727-5500 800-222-7623 ext.5000 800-222-7623 ext.5000 888-768-2096 Non-Flood: 800765-9700 Flood:866-3976347 800-605-0311 800-252-4670 877-262-2727 800-435-7764 800-237-8292 800-638-6620 800-462-9029 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 Registered Agent LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809

Bituminous Chubb CAN Farmers Ins. Group Federated Mutual FEMA FEMA Federal Aid

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

Fireman's Fund First Floridian FM Global Foremost Encompass The Gray Ins. Co. Great American Hanover Hartford Companies Hartford Steam LA Farm Bureau Liberty Mutual Louisiana Medical Mutual Ins. Co. Metropolitan National Automotive Ins. Co. National Insurance Flood Program One Beacon Progressive Ins. Republic Ins. Royal SAFECO Safeway Selective Shelter Sompo Japan

800-347-3428 800-252-4633 800-238-6225 877-639-5677 800-527-3901 800-588-7400 225-769-6829 800-866-4061 800-241-2541 800-252-1363 800-628-0250 800-243-5860 800-472-5677 866-275-7322 800-225-2467 225-295-4913 800-854-6011 800-577-9471 800-638-6620 877-248-4968 800-274-4499 800-451-0286 800-847-6925 800-332-3226 800-252-3251 866-455-9969 800-743-5837 800-444-6870

LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809

LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 John A. Sanchez, Jr. & Denver F. Gray, 2612 Severn Avenue Metairie, LA 70002 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 Bob Warner, Jr., ann M. Metrailer and Wynne Jacobs, 9516 Airline Highway, Baton Rouge, LA 70815 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 John E. Lemoine, M.D. and Joan Winters Burmaster, One Galleria Boulevard, Suite 700 Metairie, LA 70001

Stephen C. Schrempp, 2121 Airline Highway - Suite 602 Metairie, LA 70001

LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 Richard Emick Soileau, 200 West Congress Street, Suite 850 Lafayette, LA 70501 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

St. Paul St. Paul Travelers State Farm Fire & Casualty State Farm General Travelers Trinity Underwriters of Lloyds United Fire Group USAA USAgencies XL Zurich

800-787-2851 800-252-4633 800-238-6225 800-732-5246 800-732-5246 800-252-4633 800-238-6225 888-252-2799 866-264-2533 212-382-4086 800-343-9131 800-531-8222 225-928-9000 203-964-5200 800-688-1840 847-605-6000

LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809

LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809 LA Secretary of State, 8549 United Plaza Blvd., Baton Rouge, LA 70809

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.

CONTACTS

Loyola University College of Law, Law Clinic 7214 St. Charles Ave., Campus Box 902 New Orleans, Louisiana 70118 Phone: (504) 861-5590 Fax: (504) 861-5660

New Orleans Legal Assistance Center 1010 Common, Suite 1400A New Orleans, Louisiana 70112 Phone: (504) 529-1000

The New Orleans Pro Bono Project 615 Baronne St., Suite 201 New Orleans, Louisiana 70113 Phone: (504) 581-4043

Common Ground Legal Collective 1415 Franklin Ave. New Orleans, Louisiana 70116 Phone: (504) 717-7324 Southeast Louisiana Legal Services

PLEASE NOTE: The information provided in this packet is intended to provide persons with information and does not constitute legal advice. You are encouraged to contact an attorney to help you make legal decisions that are best for your particular case.