Ill put it this way. Try making a claim with your insurance company but instead of one claim you have at least four claims. Two for flood two for homeowners and you cant have the same adjuster for all of them. Make times to meet them andm they dont show up. Finally go to your house and they tell you exactly what you want to hear. You actually think you are going to get enough money to rebuild your house. Then when you finally get a check two months later it is one-quarter of the amount that they told you. For labor prices two montths before the storm i had my roof changed for 5600 i just got a price of 13000 for the same thing.