I would like to add: many owners in the disaster zones can't afford to rebuild even with insurance's help. Due to actual cash value policies with non-recoverabl

I would like to add: many owners in the disaster zones can't afford to rebuild even with insurance's help. Due to actual cash value policies with non-recoverable depreciation, homeowners with older homes get much less money back. Add insurance companies intentionally writing poor estimates, code upgrades that aren't covered, and the market inflating due to the large number of projects -- many homeowners can't make it.