FILE - Debris and electrical wires are piled up in a front yard in Chauvin, La., on Sept. 27, 2021. In the aftermath of Hurricane Ida, Louisiana lawmakers said Wednesday, Dec. 1, 2021 they are seeing slow responses to damage claims, constant switch-ups of insurance adjusters assessing the destruction and low payment offers forcing people unnecessarily into litigation to get a fair deal. (AP Photo/Jessie Wardarski)