Anatomy of an insurance meltdown

What does the failure of a dozen private insurers tell us about how the state protects its homeowners?

Thanks for starting your week with Morning Headlines. Here are some of today's top stories.

Louisiana's collapsing insurance market has failed thousands of policyholders. Don't miss Sam Karlin's look at the patterns among a dozen failed insurers who took over policies from the state’s insurer of last resort and profited from premiums in quiet years only to fail when hurricanes hit.

Louisiana’s restrictions on gender-affirming medical care such as puberty blockers, hormone treatments and surgeries took effect Jan. 1. James Finn has this look at how families who need to provide that care to their children are faring.

The woman responsible for the lion's share of challenges to library books in St. Tammany Parish — 160 of them — has withdrawn those complaints, saying she is confident that the parish and state will intervene to address her concerns. Bob Warren has the story.

Today's your day to prepare for plunging temperatures, which should begin to drop this evening. Jillian Kramer has what you need to know about when it's going to drop below freezing.

Thanks for starting your day with Morning Headlines. Check out all the latest news, sports and entertainment coverage from The Times-Picayune.

Chad