HURRICANE KATRINA:IMPACT, RECOVERYAND LESSONS LEARNED -- CONTENTS -- PREFACE -- TESTIMONY OF GIL JAMIESON, DEPUTYDIRECTOR FOR GULF COAST RECOVERY,FEDERAL EMERGENCY MANAGEMENT AGENCY,DEPARTMENT OF HOMELAND SECURITY, BEFORETHE SENATE COMMITTEE ON HOMELANDSECURITY AND GOVERNMENTAL AFFAIRS, UNITEDSTATES SENATE, NEW ORLEANS, LOUISIANA,JANUARY 29, 2007 -- INTRODUCTION -- BACKGROUND -- OVERVIEW OF RECOVERY -- OVERVIEW OF RECOVERY IN LOUISIANA -- Individual Assistance -- Direct Housing -- Individual Assistance Challenges -- Extension to FEMA's Housing Program -- PUBLIC ASSISTANCE -- Project Worksheets -- Debris Removal and Demolitions -- Public Assistance Challenges -- MITIGATION -- Building Back Better -- Hazard Mitigation Grant Program (HMGP) -- Flood Insurance -- INDIVIDUAL ASSISTANCE - TECHNICAL ASSISTANCE CONTRACTS(IA-TACS) AWARDED FOR THE 2005HURRICANE SEASON -- Background and Status -- MAJOR CONTRACTS AWARDED FORTHE 2006 HURRICANE SEASON -- Individual Assistance - Technical Assistance Contracts (IA-TA C IIs) -- Maintenance and Deactivation Contracts (MDCs) -- Ground Maintenance Contracts -- Mississippi Blocking, Leveling, and Anchoring Contracts -- Security Contracts -- Other Contracts -- ALTERNATIVE HOUSING PILOT PROGRAM -- Background -- Selection Process -- Results -- Current Status and Next Steps -- CONCLUSION -- SENATE COMMITTEE ON HOMELAND SECURITY &GOVERNMENTAL AFFAIRS, HURRICANES KATRINA&RITA: OUTSTANDING NEED, SLOW PROGRESS,JANUARY 29, 2007,TESTIMONY OF C.RAY NAGIN,MAYOR, CITY OF NEW ORLEANS -- I. NEW ORLEANS PRE-KATRINA -- II. HURRICANE KATRINA'S IMPACT -- III. IMMEDIATE RESPONSE TO KATRINA -- IV.WHERE ARE WE NOW -- V. ACCELERATING OUR OWN RECOVERY -- A. One New Orleans Road Home Fast Track -- B. Gutting/Remediation -- C. Post-Katrina Adjudicated Property Program -- D. Office of Recovery Management -- E. Citywide Planning.

VII. CHALLENGES TO RECOVERY -- A. Flood and Hurricane Protection -- B. Evacuation & Shelter -- C. Public Assistance and Funding -- D. Community Disaster Loan -- E. Housing -- H. Public Safety -- F. Availability and Cost of Insurance -- E. Healthcare -- VIII. CLOSE -- CHAIRMAN LIEBERMAN, SENATOR LANDRIEUAND DISTINGUISHED MEMBERS OF THE SENATEHOMELAND SECURITY COMMITTEE -- HOUSING -- LEVEES -- FEMA PUBLIC ASSISTANCE/PROJECT WORKSHEETS -- LOCAL ISSUES -- Healthcare -- Public Education -- Criminal Justice -- Economic Development -- CONCLUSION -- FEMADISASTER HOUSING AND HURRICANEKATRINA: OVERVIEW,ANALYSIS,AND CONGRESSIONAL ISSUES* -- ABSTRACT -- BACKGROUND -- STAFFORD ACT SECTION 403 -- Traditional Stafford Act Sheltering/Housing -- Traditional Mass Shelters -- Cruise Ships -- Traditional Hotels and Motels -- Traditional Apartment Rentals by States -- The Transition to Section 408 -- STAFFORD ACT SECTION 408 -- Traditional Section 408 Rental, Repair, and Replacement Assistance -- Traditional Housing Repair and Replacement -- Traditional Manufactured Housing -- Health and Safety Concerns in Manufactured Housing -- Housing Inspections: Strengths and Limitations -- ISSUES FOR CONGRESS -- National Disaster Housing Strategy -- FEMA Group Site Location -- FEMA Group Site Management of Services -- Delivering Housing: When and Where -- Equity in Assistance -- Choice for Disaster Assistance Applicants -- Incentives for Communities -- Unintended Consequences -- Closer to Home: FEMA's Original Plan -- Victims without Homes -- HUD-FEMA and Long Term Housing -- The Road Home -- Mortgage and Rental Assistance -- Katrina Cottages -- POSSIBLE CONGRESSIONAL APPROACHES -- Catastrophic Tier -- Catastrophic Housing -- Incentives for Communities -- FEMA Group Site Management Services -- MRA Restoration -- Regulatory Waivers -- Cost-Share Waivers.

Administrative Responsibility -- CONCLUDING OBSERVATIONS -- APPENDIX A - HUD AND OTHER FEDERALHOUSING RESOURCES -- KDHAP and HUD Assistance -- APPENDIX B - VICTIMS WITHOUT HOMES:THE LOMA PRIETA EARTHQUAKE AND HURRICANE ANDREW -- Loma Prieta Earthquake -- Hurricane Andrew -- REFERENCES -- HURRICANE KATRINA: INSURANCE LOSSESAND NATIONAL CAPACITIES FORFINANCING DISASTER RISKS* -- ABSTRACT -- INTRODUCTION -- THE U.S. ECONOMY AND NATURAL DISASTERS -- CATASTROPHE LOSSES FROM 2005 HURRICANES -- Property/Casualty Insurers Withstood Record Catastrophe Losses -- MAJOR FEDERAL DISASTERINSURANCE LEGISLATION -- 110th Congress -- 109th Congress -- 108th Congress -- CONCLUDING REMARKS -- APPENDIX A. SUMMARY OF FEDERAL DISASTERSINSURANCE LEGISLATION: 1973-2007 -- REFERENCES -- POST-KATRINA INSURANCE ISSUES SURROUNDINGWATER DAMAGE EXCLUSIONS IN HOMEOWNERS'INSURANCE POLICIES* -- ABSTRACT -- INTRODUCTION -- THE ISSUES -- Overview -- IMPACT OF HURRICANE KATRINA ON INSURANCE MARKETS -- Post-Katrina Economic Uncertainty for Policyholders and Insurers -- INSURANCE POLICY LANGUAGE AND COVERAGE -- Federal Flood Insurance -- Standard Homeowners' Insurance -- CLAIMS ADJUSTMENT, CAUSATION, AND POLICYLANGUAGE INTERPRETATION -- Causation Battles over Hurricane Katrina Claims -- SUMMARY OF KATRINA LITIGATION -- "Valued Policy" Statutes and Related Litigation -- Other Litigation -- CRIMINAL INVESTIGATION OF INSURER'SCLAIM HANDLING PRACTICES -- LEGISLATIVE RESPONSE -- CONCLUDING OBSERVATIONS -- REFERENCES -- DISASTER DEBRIS REMOVAL AFTER HURRICANEKATRINA: STATUS AND ASSOCIATED ISSUES* -- ABSTRACT -- INTRODUCTION -- BACKGROUND -- Amount and Types of Debris -- Governmental Roles in Debris Removal -- Funding Debris Removal Activities -- State Debris Plans and Emergency Declarations.

CONCERNS ASSOCIATEDWITH DEBRIS REMOVAL ACTIVITIESDebris removal after a disaster presents challenges unique to that disaster -- Difficulty Separating Waste and the Slow Return of Residents -- C&D Waste Issues -- Demolition of Private Properties -- Asbestos in Buildings Being Demolished -- CONCLUSION -- APPENDIX. TYPES OF DISASTER DEBRIS, SELECTED ISSUES/CONCERNSWITH REMOVAL, AND A SUMMARY OF SELECTED GOVERNMENTAL ROLESIN POST-KATRINA DEBRIS REMOVAL ACTIVITIES -- REFERENCES -- FEDERAL LIABILITY FOR HURRICANE KATRINARELATEDFLOOD DAMAGE* -- ABSTRACT -- INTRODUCTION -- BACKGROUND -- LEVEE FAILURE -- THEORIES OF LIABILITY -- The Federal Tort Claims Act -- The Discretionary Function Exception as Appliedto Corps of Engineer Projects -- Flood Control Act of 1928 -- ANALYSIS -- Federal Tort Claims Act -- Flood Control Act -- Negligence -- CONCLUSION -- REFERENCES -- REBUILDING HOUSING AFTER HURRICANEKATRINA: LESSONS LEARNEDAND UNRESOLVED ISSUES* -- ABSTRACT -- INTRODUCTION -- Katrina Was Unprecedented -- ISSUES FOR CONGRESS -- IMPACT -- Initial Proposals for Recovery Coordination -- WHY REBUILDING SEEMS SLOW -- Severity -- Severity Triggers More Reviews -- LESSONS LEARNED AND QUESTIONS FOR THE FUTURE -- Future Disasters -- What Should Be Done About Uninsured Losses? -- Where Should Responsibility and Authority Rest? -- SUMMARY -- APPENDIX -MAP OF AREA MOST IMPACTED BYHURRICANE KATRINA -- REFERENCES -- HURRICANE KATRINA: TRENDS IN THEOPERATING RESULTS OF FIVE HOSPITALSIN NEW ORLEANS BEFORE ANDAFTER HURRICANE KATRINA* -- RESULTS IN BRIEF -- BACKGROUND -- West Jefferson Medical Center (West Jefferson) -- East Jefferson General Hospital (East Jefferson) -- Touro Infirmary (Touro) -- Tulane University Hospital and Clinic (Tulane) -- Ochsner Health System (Ochsner).

OPERATING RESULTS DECLINED WITH HURRICANE KATRINA, BUTSOME IMPROVEMENT NOTED FOR MOST OF THE HOSPITALS -- Hospital Operating Income or Loss -- Hospital Net Income or Loss -- Hospital Earnings before Interest, Depreciation, and Amortization -- INCREASED EXPENSES CONTINUE TOAFFECT HOSPITAL OPERATING RESULTS -- Contributing Factors Based on HospitalOfficials and Hospital Information -- Views of Credit Analysts -- CONCLUDING OBSERVATIONS -- AGENCY COMMENTS AND OUR EVALUATION -- ENCLOSURE I: SCOPE AND METHODOLOGY -- ENCLOSURE II: SPECIAL PAYMENTS RECEIVEDBY THE FIVE NEW ORLEANS HOSPITALS -- ENCLOSURE III:WEST JEFFERSON MEDICAL CENTER(WEST JEFFERSON) -- Hospital Description -- RESULTS OF REVIEW -- West Jefferson Operating Income (Loss) -- West Jefferson Net Income (Loss) -- West Jefferson EBIDA -- Impact on Hospital Bonds -- Impact on Hospital Financial Position -- West Jefferson Trends in Other Financial Information -- ENCLOSURE IV:EAST JEFFERSON GENERAL HOSPITAL(EAST JEFFERSON) -- Hospital Description -- Results of Review -- East Jefferson Operating Income (Loss) -- East Jefferson Net Income (Loss) -- East Jefferson EBIDA -- Impact on Hospital Bonds -- Impact on Hospital Financial Position -- East Jefferson Trends in Other Financial Information -- ENCLOSURE V: TOURO INFIRMARY AND SUBSIDIARIES (TOURO) -- Hospital Description -- Results of Review -- Touro Operating Income (Loss) -- Touro Net Income (Loss) -- Touro EBIDA -- Impact on Hospital Bonds -- Impact on Hospital Financial Position -- Touro Trends in Other Financial Information -- ENCLOSURE VI: TULANE UNIVERSITYHOSPITAL AND CLINIC (TULANE) -- Hospital Description -- Results of Review -- Tulane Operating Income (Loss) -- Tulane Net Income (Loss) -- Tulane EBIDA -- Impact on Hospital Financial Position -- Tulane Trends in Other Financial Information -- ENCLOSURE VII: OCHSNER HEALTH SYSTEM (OCHSNER).

Hospital Description.