Yep this happened to us when they flooded out NJ a few years back. Insurance gave us nothing. I had to battle with FEMA for months. We finally got help. We lived without hot water, heat or air conditioning. It was a nightmare. If you know these people, please tell them to be relentless with FEMA. I was just on the phone with someone from my homeowner's Insurance saying that we should have gotten funds for housing during that time. After paying for premiums, they gave me nothing! Prayers for these folks and I pray something breaks soon to help Americans because I really don't think people at the top understand the pain on Main Street.