One lesson I learned from Hurricane Katrina was to take your insurance papers with you when you leave. If a major storm surge hits, the local insurance agency is going to get hit as well. It may wash away or not open for weeks. Owners of property may find their own property washed away along with the insurance papers carefully tucked away. The National Guard and police may prevent you from going back to your property for weeks. While many—but not all—can remember their insurance carrier, which Write Your Own flood carrier is on the declarations sheet is usually a guess without the paperwork.
I wish I had said that in this segment on Fox News two nights ago:
Key West is getting pummeled and must be underwater. I am certain that it will be a long time before that unique place in our country gets back up to what it was just a few short hours ago.