I have had experience with homeowners claims after a tornado - they paid promptly and without question, however, it is my understanding that after Hurricane Katrina and Hurricane Ike, there were many folks who were kept waiting while entities fought over wind or water damage claims. I was stunned to learn that some hadn’t been paid after more than a year. It does make FEMA a little more valuable if you are completely wiped out, no where to go and no insurance payout in the foreseeable future.
The scope of the disaster comes into play. With large hurricanes the insurance companies did not have the funds to pay all the claims. So they started delaying and rejecting claims.
Perhaps they are doing that with the massive floods and tornado storms.
When FEMA showed up here in town after Hurricane Ike, Sept 13, 2008, many people said GO HOME WE DON’T NEED YOU! They really didn’t seem to have a clue what to do! Our mayor and city employees and cops did a GREAT JOB! But then we are Texans! Proud and free!
A California teacher friend of mine is in CTA - branch of SEIU. She believes all the lies that CTA tells her. She said if the schools, firemen, cops, don’t get (billions that could be cut from some program, I don’t remember what it is called) that soon there will be no firemen, no cops, no public schools.
I should have told her, well a lot of people here do Home Schooling, or send kids to private school. Our fire department is Volunteer Fire Dept. And we all have guns. So maybe that would be a perfect world without all the government “help” LOL