As everybody knows Glenda was the good witch. She made everything alright. I thought that is what Insurance Companies were supposed to do.
I actually have good companies, they seem perfectly willing to pay the actual amount of the damage. They don't however seem to be willing to assist in actually replacing damaged property, for pretty good legal reasons I guess. I might be willing to pay an excess fee if the Insurance Company were agreed to provide a wrap around policy which would include a assurance that in a catastrophy, all coordination and facilitation was covered, including finding temporary housing, flood and storm damage hiring and paying the contractors. A sort of life interruption policy.
The Insurance Company would coordinate coverage with FEMA and I'd bet Congress would offer some incentives for this kind of arrangement. If the policy included reasonable mandatory alternate dispute resolution (by the Insurance Commissioner?) on a expedited basis, that would be a positive.