Could be - I haven’t read as much about the Joplin tornado as some. It is so heartbreaking - I hope they don’t have to wait long for their payouts.
After Hurricane Ike, as I said our house was fine. But we lost food in the freezers and the refrigerators. We lost enough of the old wooden fence that we decided to put in a new fence. I turned in a $10K claim. I got $1500. My deducteble is about 10%, so you have to lose a roof to cash in. Our roof was fine, didn’t lose even a shingle. Our neighbors lost roof, just shingles but still you must fix it to keep rain out, lost fence, lost screen pool enclosure. Insurance paid for some of their repairs. I liked the old way they did home insurance. It was all just State Farm and deduc was $1500. Now we have FEMA flood, Texas Wind Storm Hail, and State Farm home insurance. It is expensive and the only one reliable to pay a claim is State Farm. There are still many lawsuits running against TX Wind Storm Hail. The lawyers are making a mint on it all.