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... 2 percent of homeowners claims in Louisiana and Mississippi were disputed either through mediation or litigation. "Insurance companies have paid an estimated $40.6 billion to policyholders on 1.7 million claims for damage ... flood insurance does and presents a theory as to how it ought to work. The second section provides the early history of the flood insurance program. It outlines how the federal government first took on the responsibility of protecting the nation from flooding and how Congress ...