When his $45,000 salary was cut in half because customer demand for the Gulf’s tourism industry had dried up, Michael Joyner found part-time work at a local construction company. Months later, he was forced off the job by a back injury. Joyner hesitated to seek legal counsel. And he worried that any payment received could be recalled, which had happened to friends in the aftermath of Hurricane Katrina. “After Katrina, everyone was running anywhere they could to get money,” Joyner says. “After the smoke cleared, a lot of them had to pay some of that money back” for erroneously paid insurance claims.