After the attorney general of Mississippi filed suit against insurers over the lack of coverage for certain types of water damage arising from last year's hurricanes, we asked the readers of National Underwriter: "What are the ethical issues raised by these lawsuits?"

Responses centered on the actions not only of the Mississippi attorney general, but of insurers and their representatives--agents and adjusters--as well as consumers themselves. No one escaped ethical examination, although most respondents focused on the ethics of the attorney general and insurers.

A broker from North Carolina anticipated that the 2005 hurricanes would lead to public debate of ethical quandaries: "Anytime covered (wind) and uncovered (flood) losses come together from the same occurrence, a significant number of claims will be in dispute. Some public official will bring the disputes to light in the press."

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