Last year I took a course to become an insurance claims adjuster. The section on claims from hurricanes was very brief--the words "Total Loss- limits of policy" were mentioned repeatedly.
In Alicia we were luck (RE: My dad was a mastar carpenter and he supervised ever aspect of the construction of my families house to assure it was done just the way he wanted it.) we just lost the back half of the roof, it was tile and the slid into the pool. Only a few were broken and we had spares. My dad and two of our neighbors who also had tile roofs spent the next day fixing the three roofs. My brother and I had to dive into the pool to get the tiles out.