My next door neighbor has home insurance/hurricane insurance with Allstate. After 3 storms ripped through our area in a month's period, I don't think there's a single person in the neighborhood who doesn't have extreme roof damage and most have interior water damage. My roommate's insurance (State Farm) gave her more than enough to cover the cost of fixing the damage. Our neighbor is not so lucky. Her second floor is sinking into her first floor. Her dry wall has turned to mush. Her roof has a hole in it. Allstate gave her $3500 which will probably only cover new paint to the interior. This is happening to people all across Florida where insurance companies are basically trying to find loopholes to give their customers as little money as possible. My neighbor had an independent contractor come out who estimated her damage at $28,000.
She certainly doesn't have the money to pay that money for repairs and then feed her kids. She is asking FEMA for help. She had insurance coverage but Allstate isn't helping her. I suppose this makes her an idiot.