I remember there was a plaque on our in house that said there was insurance, by Generali. My father was a careful businessman, so naturally he would have had insurance to protect his business and his family. Many survivors also remember those plaques, or an agent coming around every two weeks to collect premiums, but most of us 3were too young to know the name of the insurance company. Of course we have no documents for obvious reasons. In 1998, we worked closely with our Florida Insurance Commissioner, Bill Nelson, for a State law to make the companies publish all the names and allow survivors to go to court if they wouldn’t settle. That is when the companies came up with the idea of the ICHEIC commission – because of pressure from the states. Still, everyone told us ICHEIC was voluntary and not binding unless you agreed to a settlement. So, with all those promises, I applied to ICHEIC. They said they could not find my father’s name. They sent a check for $1000 as a“humanitarian payment.”ICHEIC sent out 34,000 of those $1000 checks. Survivors deeply resent the idea of a ‘humanitarian payment’ instead of the funds we know our parents set aside in case of a disaster. The whole thing was an insult to survivors, and it still is.