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Bills making it easier for Louisiana insurers to cancel homeowner policies advance

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Two bills that are part of Insurance Commissioner Tim Temple’s industry-friendly insurance reform agenda passed through their respective committees this week, Louisiana Illuminator reports. 

The proposals would repeal a consumer protection law in Louisiana that stops insurance companies from canceling homeowner policies without good reason. 

Senate Bill 370, sponsored by Sen. Adam Bass, R-Bossier City, cleared the House Insurance Committee on Wednesday, while its lower chamber counterpart, House Bill 611, sponsored by Rep. Gabe Firment, R-Pollock, cleared the Senate Insurance Committee. 

Both would repeal the state’s three-year rule, which prohibits insurance companies from raising deductibles, canceling or not renewing homeowner policies that have been in effect for more than three years.

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If either measure is approved, insurers would be allowed to cancel up to 5% of their policies each year as long as the policies aren’t all in one parish, though the 5% mark is not a hard cap. The companies can cancel as many policies as they want with approval from the state insurance commissioner. 

Read the full story. 





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Louisiana hip-hop artist shares her experience with domestic violence to help others

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Louisiana hip-hop artist shares her experience with domestic violence to help others


When Hip-hop artist Mim “Mimzy” McCoy performs in front of a crowd, it is with a feeling of confidence and empowerment.

She has not always felt that way, in fact, she has felt the exact opposite. But, that was before she finally freed herself from an abusive relationship that lasted six years.

She was the one woman, in the statistic that says one out of every three women will experience domestic violence in their life, according to the World Health Organization.

During that time, she lived her life in fear that she would become another painful Louisiana statistic, a victim of femicide, the intentional murder of women. Louisiana ranks 5th in the nation according to the Louisiana Coalition Against Domestic Violence.

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“I’m a living miracle, I have seen the angel of death in person,” McCoy said.

“We live in a world that allows domestic violence to occur,” said Project Celebration’s Outreach and Children’s Advocate Aslan Godfrey, who also stated that the first five 2024 homicides in Shreveport were femicides. “To put it in perspective, in the state of Louisiana, at least 100 children each year lose a parent to domestic violence.”

Located in Northwest Louisiana, Project Celebration is a nonprofit that provides direct services to survivors of domestic violence, sexual assault and children experiencing violence. It currently operates 2 domestic violence shelters that provide safe housing for women and children fleeing domestic violence as well as medical, personal and court advocacy. “Our hotline for domestic violence is ringing all day, whether that’s just for safety planning, or someone reaching out for counseling or financial assistance,” said Godfrey.

It’s a service that McCoy thinks is necessary but did not use herself. Her separation from her abuser took years.

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Today McCoy is most thankful to God. During one of the lowest points in her relationship, after years of abuse, she recalls God “speaking” to her. “He told me that my children and I would be restored.” It would take years to get fully free, much more time than it took for her to get into the relationship.

“I wasn’t really looking for anybody to come save me,” McCoy recalls of the beginning of her relationship. However, she admits that it was a troublesome time in her life, as she was living in between homes and couch surfing at friends’ houses. She was also very young, 18. He was several years older.

She remembers it was quick decision to move in with him and now feels she lacked the mental skills to make a more rationalized decision, “There was a lot of me feeling like I was already in the wrong, mixed with the desperation, and then the first man that showed me attention… I was like, yep, I’m moving in with you.”

She had yet to heal from a difficult childhood, leaving her vulnerable without realizing it, “I just didn’t get love as I should have as a child.”

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For a while, she felt she was the one in control. She describes herself as a rebellious child who did things the way she wanted. However, that control slipped away, and her personality slowly changed from the toll of emotional abuse she was experiencing.

“There’s so much psychological abuse that goes on with domestic violence. It’s so important to recognize the signs and symptoms,” Godfrey said.  

Some of the signs that a relationship is unhealthy:

  • Isolating someone form their support system.
  • Being verbally demeaning.
  • Gas lighting
  • Controlling finances
  • Preventing a person from making their own choices
  • Pressuring a person to do things and using threats or intimidation.

“Domestic violence is never the victim’s fault,” said Godfrey.

It was not long before the abuse became physical in McCoy’s situation.

It was a normal fight, but then it crossed the line, McCoy recalls, “It’s like flashes of lightning… you can’t even think because there’s a fist in the side of your head, or your heads being thrown into something, and you’re completely disoriented and don’t know where you are. There was nothing I could do. He was completely overpowering me.”

McCoy called the police, but when the time came for her to report the domestic violence, she had already listened to all his apologies. “He showed me all this love and then he was like, ‘I’m just I’m so sorry. I’m so sorry,’ and his apology was just so sincere. By the time the police got there, I was like, ‘No, it really wasn’t that big of a deal.’”

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She decided to believe in her fantasy that he was her Prince Charming, with all the promises of a better life, “I was trying to figure out how to fix it because I loved him. I had a place to live, I had a man who was attractive, who was going to be contributing to the household, and that was going to be my white picket fence.”

When the next time came, there were more reasons to stay, and a little less of the original McCoy to fight back. She said that with the gaslighting, the narcissism and the manipulation, she was slowly, “being stripped of any bit of myself that I was becoming, or even was.”

“Domestic violence is about power and control,” said Godfrey, “It’s ‘what can I do to keep control over this victim?’, whether that’s mental, physical, emotional, financial, spiritual, there’s so many different types of abuse and tactics that abusers use to keep that power and control over that victim.”

For McCoy that meant controlling her finances, food and transportation, “He controlled every single aspect of my life, so I was completely reliant upon him.” He had also separated her from her family, “He was the only person I had to depend on. He was all I had.”

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It also meant she was still trying to ‘fix’ the relationship. McCoy felt that having a child would offer a solution, “I’m going to love the baby so then he’s going to love the baby. This is going to fix him; this is going to fix us.”  But, she said, it did the opposite, it made it worse. A second child also did not help.

As the years went by the beatings continued, “it’s like having a record on repeat.” Most of her bruises would be in places that did not show to the public. She learned to disassociate from her body during the beatings, “I would leave my body. I just didn’t want to feel it and if I knew it was coming, I would just literally, because of the pain, I would just leave my body,” she said.

It continued to get worse, the police were called numerous times, McCoy would be in a state of hysteria, and they would ask her is she wanted to go to a hospital. She would say yes. It became a reprieve from her dysfunctional home life.

It would also be the start of her education of what domestic violence was and what were the effects of it. “I would pay attention in groups to what they were teaching us and I would ask them for study material,” McCoy recalls, “I started studying psychology in depth.”

“’How am I going to fix it now?’” McCoy thought, “I was numb, I was so depressed, I was beyond depressed, I was jaded. I felt nothing, but I felt everything.”

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She decided she had to get out, there was no fairytale in this story. “My journey of ‘I have got to get the hell out of the situation,’” happened during a particularly bad fight McCoy recalls, “I was in full attack mode, I was sick of it. I was going to fight back.”

It would not be that night, which left her with a broken nose and describing herself as barely escaping death, but it would be soon. “I heard God say to me that I would leave, I would live, I would leave when I least expected it and literally the next day is when I left.”

Her life after she left was one of hiding, “I didn’t leave the house unless I absolutely had to, like if I had to go to the grocery store, and it was just constantly looking over my shoulder.”  

“A lot of survivors that we know will deal with PTSD,” said Godfrey, “You’re constantly hyper vigilant, wondering, ‘What’s next? What’s going on? Is something going to happen? Am I safe?’”

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McCoy started to remember who she used to be, “I remembered I was talented and I’m still talented. So, I just started painting and writing and rapping, I poured all of myself into it.”

“It was really my grace,” McCoy says about her art, “It just opened it up for me to be able to see myself as a beautiful talented, intelligent, loving kind and not sick person. Whereas I had been told the entire time I was with him the exact opposite of that.”

“I’m free,” she says 10 years later, “I decided I wasn’t going to look over my shoulder anymore. It’s pretty cut and dry. I just decided that I was not going to be scared to live.”

“It is such a “taboo” topic to talk about,” said Godfrey, “but it is so necessary to educate our youth and break cycles of generational trauma.”

Today McCoy lives her life with a lot of introspection, she relies on “knowing there’s a higher power that’s in control of everything. Sometimes, you have to let go of the situation in order to gain control of the situation.”

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“For a very long time, I was suppressed, I couldn’t speak, I couldn’t do anything. I had no ability to reach out for help. And then one day, all of the heart and all of the emotions surfaced.” recalls McCoy who began exploring her love of writing and music. “I put my poetry into rap,” she said, “I was able to get all of this emotion and all of this hurt and all of this pressure up and out of me.”

“Never give up,” McCoy says about the journey of healing, “no matter how many times you have a panic attack, no matter how many times you have anxiety attacks, no matter how many times you feel like you may never trust anybody again.”

As a way to help other victims McCoy has joined the Caddo/Bossier Domestic Violence Task Force. She believes that telling her story not only helps her but also might help others.

“Anyone can be victimized by domestic and sexual violence. Anyone can also be the perpetrator of domestic and sexual violence,” said Godfrey, “Whenever someone asks me what “advocacy” is, I tell them that it looks different every day. My job is to show up educated, unbiased and collected in order to meet survivors where they are at in their healing journey.”

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Louisiana congressional map ruling appealed to the U.S. Supreme Court

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Louisiana congressional map ruling appealed to the U.S. Supreme Court


SHREVEPORT, La. (KSLA) — The Louisiana NAACP, the Power Coalition for Equity and Justice and nine individuals appealed a ruling on Louisiana’s congressional map to the U.S. Supreme Court on Wednesday (May 1).

A Louisiana public service commissioner told KSLA News 12 they filed the appeal because they are going to keep fighting to have two majority-minority districts since one-third of the state’s population is African-American.

Read the appeal:

On Tuesday, a federal three-judge panel overturned the map that includes a 6th Congressional District that stretches from Shreveport to Baton Rouge.

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[ Louisiana won’t immediately get a new majority-Black House district after judges reject it]

“The court’s decision yesterday puts us in complete flux because we have elections coming down in November. The state has argued they need a congressional map by May 15,” District 3 Public Service Commissioner Davante Lewis said Wednesday. The Democrat is one of the plaintiffs in the case.

Earlier this year, a judge asked Louisiana lawmakers to create a new congressional map because the previous one violated the Voting Rights Act.

A Louisiana state senator said he supports the court’s decision to overturn the latest map.

“What the court said is that the racial component would be a violation of the Fourteenth Amendment protection laws that are provided under the United States Constitution,” said District 38′s Thomas Pressly, who is a Republican.

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The Louisiana Democratic Party issued the following statement:

“Despite this ruling, it remains evident that a second Black majority district is essential for ensuring fair and equitable representation for Black voters in Louisiana. We are steadfast in our commitment to advocating for the fundamental rights of Black Louisianians whose voting influence has consistently faced significant dilution.”

A Shreveport resident told KSLA News 12 it is important for the state of Louisiana to have fair representation with the congressional map.

Another person who identified herself only as Mrs. Peggy had a different thing to say. “I am neutral.”

They say they only have 14 days to have the district boundaries set in place, and the qualifying period for the fall election is in mid-July.



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Wealthier and Whiter: Louisiana School District Secession Gets a Major Boost

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Wealthier and Whiter: Louisiana School District Secession Gets a Major Boost



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A recent decision by the Louisiana Supreme Court handed a decisive win to backers of a long-running campaign to create a new, overwhelmingly white Baton Rouge-area school system, further concentrating poverty in the remaining, majority-Black part of the district. 

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When finalized, the secession will likely cost East Baton Rouge Parish Public Schools 10,000 students and 25% of its $700 million budget, school board President Dadrius Lanus estimated. 

“This is all rooted in institutional racism,” he said in an interview. “It’s about what white, middle-class people want for their kids.” 

Barring complications, it will be the fifth time in nearly a quarter-century that part of the district has broken off and formed its own school system. Currently, the district — Louisiana’s second-largest — has 40,000 students. Ninety percent are impoverished. 

A complicated tangle of laws governs the creation of new school districts, with the most straightforward path being the formation of a new municipality corresponding to the area seeking to break away. A decade ago, residents of the affluent southeast quadrant of the parish began campaigning to create a new city, St. George.

In 2019, 54% of the area’s residents voted to incorporate as a standalone municipality. Baton Rouge leaders sued, and in late April the state’s high court ruled in favor of the new city’s proponents. Republican Gov. Jeff Landry will now appoint St. George’s first mayor and five city council members.

The St. George area is represented by East Baton Rouge School Board member Nathan Rust, who backed the breakaway. Rust could not immediately be reached for comment, but his campaign website includes a statement decrying the condition of local schools.

“Our schools in District 6 are overcrowded and fraught with violence, disruption and an exodus of quality teachers,” it states. “After 20 years of Board Tenure, how is this the best public education offered to our children?” Many parents, it adds, “resort to spending their hard-earned money on private schools because they have no better option.”

In 2109, The 74 published a deep dive into a decades-long school integration scheme that shaped the district, the first four secessions and the potential implications of a St. George breakaway. Under the terms of a desegregation order — no longer in force — many East Baton Rouge students attend magnet schools that are spread throughout the district. Consequently, many children who live in the most impoverished neighborhoods — many still devastated by recent floods — attend schools in the St. George area. 

According to Lanus, the existing district has 90 days to “annex” the 10 existing schools and two properties where it had planned to build schools within the new city’s boundaries — all of which were purchased or built by parish taxpayers. St. George residents would then have a choice: pay to build their own schools, or attempt to buy existing school facilities and lots from the East Baton Rouge district. As yet unknown is whether the district would be willing to sell and, if not, how many students would be bused into the new city to attend existing district schools. 

The secession would also shift an unknown but significant amount of local tax revenue to the new city, further straining the East Baton Rouge district’s coffers. Lanus estimates the district will lose some $150 million in per-pupil state and federal aid, plus money that is supposed to flow to children in poverty, magnet school students and those receiving special education or gifted-and-talented services.  

“I can’t tell you how many calls I’ve gotten from parents saying, ‘What’s going to happen to my kids?’ ” said Lanus. “We don’t have any time to waste.”


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