I wish we could get that kind of response, sometimes less is more. After you fight your way through the state and local level government, you then have to deal with a federal disaster in itself, otherwise known as FEMA. All this comes into play in trying to get permits to repair your home, and before your insurance company will talk to you. Basically, they want to know if you got any "freebies" from FEMA. I too could go on about this one for a long time. We submitted our claim 1.5 months after the storm (ever tried to list every single thing you own it is very hard, especially when all you have is a slab and photos for reference) and finally got a check an additional 7.5 months later after negotiating/threatening/irritating our insurance company.

I too know the insurance code for homeowners like the back of my hand, you are definetley right about the fine print........