People who lose their homes in floods, hurricanes, and other disasters look first to their homeowners or renters insurance policies for financial recovery help, and if they don't have any or enough insurance, they turn to FEMA, SBA, or other sources such as charities and loans.  But there is no question - it is almost impossible to recover and rebuild after a disaster if your insurance company doesn't pay your claim.  Individuals, businesses and communities need our property insurance system to be healthy and fair.