I arrived two weeks after Hurricane Andrew struck Miami, just as the power came back on!
My neighborhood rotated cookout duties all that time, bringing neighbors even closer together. Afterwards, I was amazed at the amount of insurance fraud, and wasn’t surprised that State Farm Insurance abandoned Florida shortly afterwards.
It's a shame, but it happens after every storm.
A few years ago, in a neighborhood where I no longer live, I noticed that many neighbors were having their home siding replaced.
Then, some guy knocked on my door, and said my house had "hail damage" and that he could show me the damage, and work with me and my insurance company to get new siding. I told him I had no damage, and to take a walk. He wasn't happy.
A few months later, the guy and his employees were all arrested. He was defrauding several insurance companies. He would take a screwdriver, and poke at the siding, showing the "damage" and the homeowners would agree and defraud their insurance.