Black helicopters? Are yu wearing your tin foil hat to protect yourself from their mind control machines. They brought them in by the truckloads instead of bulldozers.
Seriously, I’m a Ike evacuee from a Clear Lake condo that may never be rebuilt. I’ve had to wade through the Fema bureaucracy to get help—but some of it was caused by my own mistakes in filling out their assistance app. I think their apps could stand some tinkering and helpful comments about how to fill them out. On the insurance question, I put down that I had insurance, thinking about the insurance on the condo buildings but not about the lack of insurance on my own condo unit and personal property.
I found the FEMA people on the ground to be very helpful and sympathetic but perhaps it was because I made an effort to be charming and praised them for their efforts. I find that often works with bureaucrats. The only problems I had were caused by the FEMA folks who I couldn’t personally interface with who were simply looking at their files on line from an office somewhere. The folks at the local FEMA centers took up my problems and tried to work them out.
I know they didn't bring bulldozers (grrr...) but you're teasing about the black helicopters "by the truckloads", right?