Compared to other disasters we've worked with, this is unprecedented.

They are being considered as they come in.

This is unlike any disaster we've ever had to handle.

Many lenders may not have discussed the STAR program specifically with the borrower.

One lender could have been really strict and specific about the borrower providing the documentation to prove that they were affected by the Sept. 11 attacks, and another banker may not have, or may have had ulterior motives for approving loans.

Most general casualty policies do not cover flood damage. Many require additional riders for windstorms. Consider adding coverage for likely perils, especially flood insurance.