I don't disagree with the facts of this article, but I don't understand the conclusions they reached. In LA, many people were not satisfied with their insurance settlements, but the predominant groups that got their claims satisfactorily adjusted were those who complained to the authorities, and this group was predominantly white. They did not say blacks were denied claims or denied the right to contest thier settlements, they said blacks didn't bother to contest them. They, the black homeowners didn't feel the battle was worth it. So, what conclusion did they draw? That blacks are being disenfranchised. I don't get it. They stated that when blacks did contest their settlements they were settled satisfactorily at the same rate as whites, but blacks mostly didn't contest, they just accepted the low settlements.