The Check's in the Mail; Thousands of people who lost their homes to Katrina are battling to get paid by insurers. The issue: wind vs. water: U.S. Edition Edition

Many policyholders grumble that insurers have been dragging their heels on claims, hoping homeowners will get frustrated and settle for less. Moss McCarty's New Orleans home was flooded when a nearby levee broke, and the exterior and second story suffered an estimated $100,000 in damage from [Katrina]'s 125mph winds. Weeks went by without any money from Allstate. The third adjuster finally gave McCarty and his wife $3,000 for a few damaged roof shingles. The next adjuster cut them a check for $15,000.