My home just DID flood a few weeks ago. Fortunately, we had coverage...unbeknownst to us. Some little clause that if the drains back up we are covered. All for $5 a year.
I know of not one other neighbor that had this coverage and now FEMA is here handing out money. I have mixed feelings about this. For the record, we are not on a flood plain...just a freak overabundance of rain.
Because I live in a liberal area, I'm betting that many are taking advantage of the situation whether they need it or not. On the plus side...FEMA seems to be checking out each and every situation.
I stand corrected, then. But, FEMA arriving in every instance does concern me. In the future will they write checks if a home burns down due to faulty wiring? I'm just being skeptical because I don't trust the government when they just want to throw money at a situation. I feel this way because it is MY money they are spending.
Good luck to you as you put the pieces back together.