Also, if you have a mortgage on your property, don't let your lender bully you. You need your insurance money to keep a roof over you and your family's heads. Our lender wanted us to sign over a $250,000 check and they were going to send us $15,000 and send someone out to decide what they (the lender) thought we should do and how much money we really needed. (yes you read those numbers correctly). We had 5 feet of water inside our home for 3 weeks. Anyone who wants the whole story can PM me. Don't want to go on and on, just inform y'all of what you might expect.