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For Louisiana churches, property insurance crisis prompts tough decisions, radical solutions

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For Louisiana churches, property insurance crisis prompts tough decisions, radical solutions


After a year of preaching under a tent in the parking lot after Hurricane Ida destroyed parts of Tulane Memorial Baptist Church, the Rev. Ross Johnson had a moment of respite when he moved the congregation back into the repaired sanctuary where he has been preaching for more than 30 years.

Then a new crisis hit.

Johnson faced a difficult math problem. The church’s insurer, which had battled in court for a year over damages before settling, dropped them. The $40,000-a-year insurance premium Johnson was quoted for the building nearly doubled. And the deductible roughly tripled to $90,000 a year, about 40% of the church’s annual budget.

He was wary about losing coverage after Ida destroyed most of the church’s archival material — old pictures, obituaries and baptismal records — in a second-floor storage room. Eventually, its insurer, Lloyd’s of London, paid to renovate the church, which was originally established on Tulane Avenue in the 1860s and moved to Gentilly in the 1960s.

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But the costs of fully insuring the renovated church were too high, and Johnson chose to drop wind and hail coverage. Now, when it’s hurricane season, he sometimes drives to the church and prays that the building will stay safe.

“My faith is strong,” Johnson said. “But psychologically, there’s a lot of anxiety.”

All across Louisiana, churches are being uniquely squeezed by the insurance crisis that has gripped the state, causing turmoil in the housing market and threatening the most at-risk communities.






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Pastor Ross Johnson stands in the upstairs of Tulane Memorial Baptist in New Orleans, Thursday, Jan. 30, 2025. The roof was torn off the upstairs during Hurricane Ida, which caused a lot of damage. (Photo by Sophia Germer, The Times-Picayune)



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In response, a group of church leaders are working to set up a self-insurance fund. If successful, it could provide a lifeboat for churches who have been dropped by their insurer or who face staggering costs to insure their buildings. Still, challenges remain like getting enough protection from the global reinsurance market to backstop hurricane risk.

Churches are generally seen as hard to insure, in part because they often have old and valuable buildings. High-profile sexual abuse scandals have created liability issues for some as well.

Church Mutual, a Wisconsin company that specializes in covering religious organizations, was the main insurer for Louisiana churches for years. In 2019, before the recent spate of storms hit, it was the fifth largest commercial property insurer in the state.

Then, after devastating hurricanes in 2020 and 2021, Church Mutual faced huge losses, as well as a rash of lawsuits from churches who claimed it delayed or denied the payments it owed to them. Some of those lawsuits resulted in multi-million dollar verdicts against the company. Church Mutual pulled out of writing property insurance in Louisiana.

Since then, hundreds of churches have been left in the lurch. The number of churches getting insurance from Citizens, the insurer of last resort which charges higher premiums, exploded with a fivefold increase since 2019. The number has fallen by 115 since a peak in September, though it’s not clear how many of them are going without insurance.

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“Churches are the hub of many of the communities they serve,” said the Rev. Shelton Charles Dixon, head of the Louisiana Home and Foreign Missions Baptist Convention. “Unfortunately, many of them are existing without coverage.”

For Johnson, the insurance crisis is yet another hardship that he and other pastors in south Louisiana face. Hurricane Katrina knocked his congregation down from more than 700 to 300 members. Then the COVID-19 virus and Ida hit back to back, whittling membership to around 100, about half of whom attend service regularly.







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Pastor Ross Johnson holds old documents that were salvaged after Hurricane Ida at Tulane Memorial Baptist in New Orleans, Thursday, Jan. 30, 2025. (Photo by Sophia Germer, The Times-Picayune)

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Walking along the pews of the sanctuary, Johnson said he’s been going without pay at the church, taking on a day job as a re-entry support specialist for the Juvenile Justice Intervention Center down the street. And he sometimes tells members who relocated to Houston that they’re better off staying there.

“Why would you come back?” he said.

‘Cease to exist’

In response to the turmoil that began hitting the insurance market in 2022, a group of church leaders set out to create a radical solution.

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The Louisiana Baptist Convention convinced the Legislature to pass a bill in 2023 allowing them to set up a self-insurance fund. The plan would allow any nonprofit religious organization to buy insurance from the nonprofit fund, which would act as an insurer. It would take in premiums, buy reinsurance in case a catastrophe struck and pay claims if members suffer damages.

Unlike a for-profit insurer, which has pressure from shareholders to deliver profits, the church fund would keep its money in reserves, invest it and give some of it back to members when the reserve gets big enough.

Steve Horn, the president of the newfound Fellowship of Louisiana Churches and Non-Profit Religious Organizations, said the group has a board of directors and an adviser with Arthur J. Gallagher, the brokerage giant, and hopes to start accepting members later this year.

It’s not clear how many churches are going without insurance. Horn, who also serves as executive director of the Louisiana Baptist Convention, said he believes hundreds are going without wind and hail coverage. Some pastors have told him they are weighing tough decisions, like deciding whether to lay off associate pastors or keep their insurance premiums.



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Stained glass original to the building remains visible from the sanctuary at Tulane Memorial Baptist in New Orleans, Thursday, Jan. 30, 2025. All the other windows were blown out during Hurricane Ida. (Photo by Sophia Germer, The Times-Picayune)




“We believe there’s a huge future crisis on the horizon,” Horn said. “It’s not if but when the next catastrophic storm happens. There could be dozens, I don’t think it’s an exaggeration to say hundreds of churches … that cease to exist.”

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The loss of churches would not only affect the congregations, Horn said, but would also affect a host of social services that happen in church buildings: AA meetings, disaster relief, food banks and more.

The group is still trying to put together enough initial funding to build up a reserve to allow it to start taking on members. Horn and others have spent months pulling together detailed information from potential members about their buildings and risk exposure.

Insurance Department spokesperson John Ford said that Insurance Commissioner Tim Temple is confident a series of laws passed last year will work by making it easier for insurance companies to do business, but “it’s going to take time.” He said a lack of affordable property insurance is a “major, and sometimes existential, issue for churches and other religious organizations.”

“While self-insurance funds require significant funding and can be complex to set up, the LDI is here to help organizations that are interested in exploring that possibility,” he said.

While the fund would be the first of its kind for property insurance in Louisiana, according to the Department of Insurance, it has precedent. Terry Duke, a broker with Arthur J. Gallagher who is helping the churches set up the fund, said it’s the same idea as similar funds for loggers, affordable housing and the Catholic church. While the idea was pushed by Baptists, any religious organization can join, and the group has Pentecostal leaders on its board.

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The New Orleans Catholic Church didn’t respond to queries about its insurance issues, but bankruptcy documents indicate the Archdiocese is part of a national self-insurance fund of the Roman Catholic Church in the U.S. and Canada. The self-insurance organization covers losses directly and acts as a broker to get insurance from other companies.







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Tulane Memorial Baptist in New Orleans, Thursday, Jan. 30, 2025. (Photo by Sophia Germer, The Times-Picayune)

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The self-insurance fund that churches are trying to create would not be taking on all the risk. They would instead would buy reinsurance, a global network of companies that underpin the cost of property insurance. Insurers pay a portion of the premiums they collect to reinsurers in London, Bermuda and elsewhere, and the reinsurers promise to pay certain claims, often when a major disaster strikes.

The reinsurance industry has been upended by climate change, inflation and high interest rates that caused an exodus of capital from the market. As a result, the rising cost of reinsurance coverage is a key driver of Louisiana’s insurance crisis.

Still, Duke said the fund would mean churches are “controlling their own destiny,” offering better rates for buildings with more fortification and delivering savings to members instead of shareholders. And he said reinsurers have given the group promising signals on rates that could work.

“We don’t have stockholders looking to us for money,” he said. “Right off the bat, our costs should be lower than a traditional insurance policy.”

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One challenge with these types of funds is that all the members will have the same type of hurricane risk, requiring a backstop like reinsurance, said Carolyn Kousky, head of the nonprofit Insurance for Good and a longtime researcher on insurance and climate.

But she noted that mutuals can encourage building stronger by delivering “resilience dividends” to members to help build stronger roofs and the like.

Insurer pulls out

The turmoil for churches followed a similar path to the crisis facing homeowners.

After a devastating hurricanes hit in 2020 and 2021, many churches reported delays, denials and underpayments from their insurers. And a host of them took to the courts.

Dozens of churches sued Church Mutual after the storms, court records show. In one case brought by the First Baptist Church of Iowa over Hurricane Laura damages, U.S. District Judge James Cain of the Western District of Louisiana wrote that Church Mutual settles far fewer cases before getting deeply tangled in court than other insurers. He said the company established a “pattern of systemic failure to resolve insurance claims.” The case went to trial, and the jury awarded the church $1.9 million.

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In another case, a church in Leesville won a $9.8 million verdict over unpaid Laura claims.

Hurricane Laura appeared to hit Church Mutual particularly hard, financial records show. The company took in $13 million in property insurance premiums in Louisiana that year while losing $82 million, according to Department of Insurance records. That loss rate was more than double the statewide average for commercial property insurers.

Church Mutual Chief Underwriting Officer Pam Rushing said in a statement that the company no longer provides property insurance coverage in Louisiana because “shifts in severe weather have moved Louisiana into an area now considered high risk,” though it does still write professional liability coverage.

“We do not make these types of decisions lightly,” Rushing said. “However, for us to remain financially strong, viable and best able to serve our mission, we need to mitigate the severe impact catastrophic weather has had — and will continue to have — on our bottom line and our ability to serve customers nationwide.”



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Neuty, the beloved Bucktown nutria rat that charmed Louisiana, has died

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Neuty, the beloved Bucktown nutria rat that charmed Louisiana, has died


Neuty, the iconic Bucktown nutria visits the state capitol, with Myra Lacoste, Denny Lacoste, Lieutenant Governor Billy Nungesser, Dennis Lacoste Sr., and Louisiana state Senator J. Cameron Henry Jr. Neuty was an orphan, rescued by the Lacostes. In March 2023, LDWF agents attempted to confiscate the illegal pet.  



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Louisiana State Police arrest 18-year-old in Vidalia crash t…

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Louisiana State Police arrest 18-year-old in Vidalia crash t…


VIDALIA, La. — Louisiana State Police arrested 18-year-old Gregory Steele early Sunday morning on two counts of vehicular homicide, one count of underage operating a motor vehicle while intoxicated, one count vehicular negligent injuring and one count careless operation, according to Concordia Parish Jail records.

Steele, 18, a white male, was arrested in connection with an accident that occurred at approximately 1:54 a.m. on Sunday morning on Minorca Road in Vidalia. Two passengers in the vehicle were killed. Steele and another passenger were able to escape the vehicle.



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On this Mother’s Day, three Louisiana mothers grieve the deaths of eight of their children, seven killed by their own father | CNN

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On this Mother’s Day, three Louisiana mothers grieve the deaths of eight of their children, seven killed by their own father | CNN


Christina Snow bends down and whispers something in her daughter’s ear as the 11-year-old lies in a white casket, eyes closed as if she were simply asleep.

On the morning before Mother’s Day, Sariahh Snow’s small, lifeless body is one of eight – all children – lined in open white caskets along the front of a church hall in Shreveport, Louisiana.

Except for the low murmur of church organ music drifting through the sanctuary, Snow’s muffled sobs momentarily silence an audience of hundreds who have gathered to grieve alongside the three mothers whose children were all fatally shot by the same man: the father of seven of the eight killed and an uncle to the eighth.

The shocking act of violence, which also left two of the mothers seriously wounded, marked the nation’s deadliest mass shooting in more than two years, a catastrophe so staggering it forced an already grief-stricken country to once again confront the deadly collision of a mental health crisis and America’s unrelenting access to guns.

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“This is not a Shreveport mourning,” Congressman Cleo Fields said in his tribute. “This is a nation mourning.”

Now remembered as the “Eternal 8,” Jayla Elkins, 3; Shayla Elkins, 5; Kayla Pugh, 6; Layla Pugh, 7; Mar’Kaydon Pugh, 10; Sariahh Snow, 11; Khedarrion Snow, 6; and Braylon Snow, 5, were killed in the April 19 shooting.

As grieving attendees lined up to pay respects to the children, one woman shut her eyes after peering at one of the children, Kayla, who wore a white dress, her fingernails carefully painted pink. Just behind her body stood a photograph from when she was still alive, her sweet, wide eyes impossible to reconcile with the stillness of the tiny body in the casket.

Inside the funeral pamphlet, Kayla is described by her family as “K-Mae,” a sweetheart with a big smile who never asked for much, but when she did, melted hearts. She loved “going to school, playing with her sisters, brothers, and cousins, and being outside running, jumping and even wrestling with those she loved.”

The seven other entries read as sweetly. Sarriah was described as “sunshine,” a creative, smart, and loving girl. Khedarrion loved helping his family and adored his principal. Braylon was sweet and gentle. Mar’Kaydon, or “K-Bug,” was a cheerful child who loved telling his grandmother what he learned at school every day. Jayla, also known as her family’s “little J-Bae,” taught her family “more about unconditional love, strength and resilience than words could ever express.” Shayla was warm and quiet. Layla adored her siblings and cousins so much she “would stand up for them no matter how big the other person was.”

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It’s a tragedy that sends chills racing down your spine and leaves a lump in your throat. Throughout the hall, people clung tightly to one another, wiping away each other’s tears. Children filled the pews — sweet, innocent and suddenly feeling even more precious to everyone there.

The Saturday funeral service was carried by the reverberating melody of gospel music that rattled through the hall like waves, sending prayer hands into the air and tears spilling from the eyes of loved ones and strangers alike.

But there were smiles too; and white, pink, blue, and purple bloomed in the crowd of black funereal clothes, woven among bright dresses, pressed shirts, ribbons and flowers.

“Lord, we ask right now a special prayer for Summer Grove School. Lord God, we pray for Lynnwood Public Charter School,” Pastor Al George said during his tribute, praying for the two schools the children had attended.

“We pray for all of those teachers, those principals; Lord, they need you right now. Those students need you right now. They’re going to school and see empty desks; Lord God, they need you right now.”

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Some of the funeral attendees were family, friends and teachers, and many were complete strangers – people who drove more than 12 hours just to stand witness to the unimaginable loss of children they had never met.

“I had to get here,” Kelvin Gadson told CNN. He had arrived a day earlier, having driven from South Carolina, and attended an open viewing of the caskets at a funeral home – the first time the mothers were able to see their children’s bodies.

But Gadson wasn’t just there to honor the children lost. He came for the children still here, the ones now carrying images no child should ever have to carry. With him were two costumes: Minnie and Mickey Mouse. The kids could pose with them as a distraction from what they’d just witnessed.

“They come out scared. But I’m really here because this violence has to stop. It’s killing our children, our precious babies,” Gadson, the founder of Giving a Child a Dream Foundation, told CNN. “My mission is about preventing gun violence.”

Little ones who came out of the casket viewing with their parents wore expressions of confusion and shock after witnessing eight bodies that didn’t look so different from their own.

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One of the children was Micheal Thomas.

“I’m kind of scared of funerals. I’m scared of the dead bodies, and they were pretty kids,” the 10-year-old said, sounding wiser than his years. “They were little. I wish I knew them, we would’ve been playing basketball, football, it would’ve been so fun.”

His friends at school don’t talk about the children as much as he does, he said. Then he points to his little brother, who hides behind his legs and clings tightly to him. “I care because imagine that was your kid. If it was my brother, I would be dying; I would be down bad.”

One day, he said, he will meet them in heaven and tell them, “Hey! How you doing? I’m doing good. You broke my heart, but I was talking about you.”

He hasn’t cried about seeing their bodies but he knows he will. The tears “don’t want to come,” but when they do, he promised he won’t push them back.

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Plastic trucks and ribbon-wrapped dolls

Days after the shooting stunned Shreveport, a whirlwind of police lights, camera crews and grieving relatives swarmed the neighborhood where the killings unfolded, the streets vibrating with sirens, the air shrouded in questions and disbelief.

But today, the home sits almost unbearably silent.

The main road leading to the Cedar Grove house where the children were killed is under construction. Jagged pieces of cement push through the dirt as orange and white caution cones warn drivers of danger. While less than half a mile away, innocent children received no warning at all before encountering the worst danger imaginable.

Eight balloons sway weakly in the wind above a makeshift memorial – eight crosses staked into the damp ground, covered in handwritten messages. Toys cover the lawn: stuffed animals, plastic trucks, dolls still wrapped in ribbons, left behind for children who will never come outside to claim them.

Besides the permanent stain the massacre has left on the neighborhood, it remains, in many ways, still beautiful — homes resting in the midst of lush green grass, children playing on porches, and neighbors blasting Michael Jackson as a family gathers around a table outside.

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A young girl sits slouched in a chair, chin in her hands, bored. It is a neighborhood that, in quieter moments, feels almost like childhood nostalgia made real — fragile, ordinary, and proof of how quickly innocence can be shattered.

In front of the memorial, a small gray cat sits in the rain before wandering to the front door of the gray and white home, curling near the entrance where blood had been spattered just weeks earlier. The gunman was identified as 31-year-old Shamar Elkins. Shreveport Police Cpl. Chris Bordelon told CNN affiliate KSLA the shootings were “domestic in nature.”

As the shooting unfolded, some of the children tried to escape out the back, a state representative said at an earlier news conference. Bullet holes could be seen in the back door of one of the homes.

Every now and then, a car slows to a crawl before pulling over beside the memorial, the people inside sitting silently behind fogged windows, perhaps reminiscing, perhaps praying, perhaps simply trying to make sense of a loss too enormous to truly understand.

Not far from the now empty home, stripped of the laughter and the innocent chaos of excited children that once filled every room and hallway with life, the three mothers, dressed in all white, sit side by side before the eight caskets.

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Keosha Pugh — sister of Shaneiqua Pugh, the gunman’s wife — walked into the funeral leaning on a cane, a painful reminder of the injuries she suffered after jumping from a roof with her daughter, Mar’Kianna, while fleeing the gunfire. The fall shattered her pelvis and hip. Shaneiqua Pugh escaped physically unharmed, but Snow was shot in the face during the attack.

All three mothers carried the visible weight of trauma throughout the service. Their legs trembled beneath them, their hands and heads shook with anxiety, and at times Snow, in tears, curled into the arms of friends and loved ones.

Prayers were recited over the bodies of their babies after horse-drawn carriages carried the children slowly into the cemetery as mourners followed behind, some arms carrying flowers and others carrying young children.

Roses were gently laid across the caskets before eight white doves were released into the sky, their wings unfurling into the clouds — a cruel irony beside the eight young lives below, cut short before their stories ever had the chance to unfurl at all.

Among the mourners was Dollie Sims, who had met the children when their father brought them to her community programs. She recalls being struck by how deeply loved they were. When she learned of their killing, she said she was stunned and retraumatized.

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“This was reliving the gun violence of my son, who was shot 15 times walking down the street. This is surreal, and as a parent, I think all of us out here are just devastated because what makes this situation so traumatic is that it was by their father, who struggled with mental illness,” Sims said, donning a white fur coat and dress as she waited for the family to arrive at the cemetery.

Her son, who survived, was 19 years old at the time of the shooting.

“This should open the eyes to Shreveport, Louisiana, and Louisiana period, about gun violence and its seriousness, and what we need to do to help this situation to make it safer … We need to advocate and support other families and show up and try to find a way to make it better to keep the next family safe.”

Sims believes the full impact of the tragedy has not fully hit the mothers who have not yet been given time to grieve, she said.

“Mother’s Day is just going to be the beginning of them realizing that those babies aren’t there anymore.”

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A few blocks away from the cemetery, Sharon Pouncy had up a folding table beside the road to sell Mother’s Day gift baskets. She lost her own child years ago, she said, after he became sick.

“I want these mamas to know that every mother is holding them in their hearts today,” Pouncy said from the driver’s seat of her truck. She’s wearing a Minnie Mouse shirt – unbeknownst to her, the character is a favorite of the children she had come to honor.

“We know your pain. Once you feel that loss, it never really goes away, you just …” She pauses, and a sad smile flickers across her face. “Well, you just find a way to live with it forever.”

At the same time three mothers lay their babies into the earth; another mother, years into her own journey of grief, finds herself thinking of her baby too.

A man pulls over and points to a basket he’s interested in buying. A card pokes out from a pile of teddy bears: “I love you, Mom.”

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