My experience has been that with large storms you do not deal with a local agent,
The insurance company sends in adjusters from all over the country and they could care less about you, unlike your local agent, who has to deal with you after the adjusters are gone.
My daughter’s father-in-law is an architect/engineer who designs custom “colonial style” buildings, i.e., buildings that use techniques and materials available in 1700’s. (Okay, it’s a small market.) He is also a claims adjuster for certain insurance companies. When a storm hits New England and damages colonial era buildings, or recreations like Old Sturbridge Village, or hoity-toity colonial era replica homes, he goes and makes the adjustments. He says he has never had is estimates (or expense reports) challenged by the insurance companies and has never felt any pressure to low ball estimates. He just gives them an honest estimate.