[SuziQ]

My s-i-l has friends who had a home in Diamondhead. They didn't stay during the storm but a man they knew did stay. He watched as long as he felt he safely could, and saw the winds tear the houses apart BEFORE the waters rose and the big wave came in and washed everything away.

Her friend ended up with a sailboat in their yard, and their boat ended up 6 MILES away at the bottom of a pile of other boats in the center of a town. They had already finished the deal with the insurance company when they got the call that their boat had been found. She just told the guy calling to call the insurance company since they owned the boat now.

[BigSkyFreeper]

My dad has flood insurance, not because he was forced into buying it, but because the policies are so broad, that some cover more than just floods. His crop insurance policy also extends to other such acts of God like hail damage.