BC
Here is who "they" were/are.
First of all I have lived on the MS gulf coast since 96, was here for Katrina and plenty of other hurricanes and worked at the local Lowes from Sept 05 until well into 09 So I saw and heard what "they" said and did up close and personal.
With a few exceptions all the houses that were "destroyed" were withing eyesight of the gulf, go inland no more than 3 or 4 blocks and the extant of the "damage" was flooding and just flooding, 3 or 4 in some rare instances maybe 6 feet of water that came and went in 5 or 6 hours.
Prior to Katrina I had worked in Gulfport in a single story building not much more than 2 blocks from the gulf, all it saw was flooding, the chinese restruant across the parking lot, the two apartment complexes and 6 or so building all within a few hundred yards all withing 4 blocks of the water saw nothing but flooding 7 or 8 feet at most no structural damage at all.
Even way over tot he West, Waveland or Bay St Louis this was the norm well within a mile of the water, maybe a few feet higher and stuck around a hour or 2 more.
Yes a few houses "floated away" but that was the exception.
So with the exception of the "lower 9th ward" in New Orleans where the water had to pumped out that because people were stupid enough to live BELOW SEA LEVEL a sea that was mere yards away the s the "vast majortiy" is as I described, that is who "they" are.
The typical house "they" owned was a 3 or 4 bedroom 1&1/2 or 2 bath 1800 to 200 sq, ft ranch that was 15 or 20 maybe 30 years old and prior you could have bought any day of the week for 150K and plenty of them for 120 something.
To "repair" these houses from a normal "insurance claim" standpoint, just get then back to what they had been you were talking nothing more than new flooring and in many cases ceramic tile or vinyl survived just fine, new exterior insulation, paint and drywall, new appliances, not much more and that would have cost including labor 30 or 40 grand, 50 grand tops.
But that is not what happened, once the "grant money" AKA "road home" in LA got going in 06 mostly run by contractors BTW who it is no way an exageration to say they were "overly generous" the norm was they maxed out, 126K as I recall pretty much every claim. not much more than, 1. you lived in one of the 6 counties, 2. you could show you owned a home and 3. you made a claim for grant money. you got a check for 126K, house is only worth 90K, had maybe 10K in actual repairs required, you had literally no insurance of any type on it none of that was a problem still the max.
Once "they" got that money then they were all the sudden more than happy to settle with the State Farms of the world for 40 or so cents on the dollar so there was another about 50K
So with 175K to spend and plenty of "volunteers" that were here for years and might still be here if it had not been for Sandy giving you all or most of your labor for free they turned those nondecripts ranchs into "McMansions" that typified everything you saw in all those "flip this house" type of shows of the time and the norm we saw in "housing bubble houses" adding new big "master suites" with big "glamour baths" new kitchens, with granite or marble counter top, stainless steel, often "restruant type" appliances. Home theater/media rooms big new "man caves" etc etc
The irony in more than few cases was that after those former 120 grand rannches got assesed for upwards of 400K "they" all the sudden found out they could not pay the new higher property taxes and more than a few were lost to the county in tax sale.
"cash for clunkers" these same people were first in line to cash in on that and were the very people who in 09 were "TEA Party members" bitching and complaining about how "those people" get what they call "free stuff"