A Hurricane Katrina victim leaves no doubt that he would like a visit by the State Farm insurance adjuster in Gulfport, Miss., Wednesday Sept. 21, 2005. The insurance industry says it didn’t insure for floods, and that’s what Katrina’s storm surge was. Flood insurance is offered under a separate federal program, costing the average homeowner about $650 a year for a $250,000 limit on damage. But in lawsuit filed last week against major insurers, including State Farm, Allstate and Nationwide, The Miss. State Attorney general argues they should pay for all Katrina damages, whether caused by wind, wind-driven water or storm surge flooding. (AP Photo/Steve Helber)