“A big misconception, those carriers have not been writing new coverage in New Orleans since Katrina so you can call Allstate and State Farm and get a true State Farm or Allstate policy or Farm Bureau policy or Liberty Mutual policy. They have other markets, different carriers that are not admitted that they’re using kind of under their All State name but they’re not through those traditional companies… there’s definitely a combination of carriers not writing new coverage pulling out all together or companies just saying we’re not going to write a new home and less the roof is 10 years or newer,” said Bourgeois.