Well the worst thing abut insurance is after paying for years is what isnt covered,,afte r finding out later flood,,water dmaage is totally seperate,from homeowners ,,"limit of limit of liability " isnt the same as actual cash value,,,flood means a totally sepreate thing as homeowners,,,collections are seen as alien by adjusters ,,as is paper,,books and magazines,,"what you dont have speciallty coverage with loyds etc..?????? meaning a lot of un qualified un certified by any state adjsusters are on borrowed time when they tell you bout your non coverage,,,and they are in your living room with no roof,,while you contemplate the time to lok and load ,,,,,,,,ground zero,hurricane andrew 1992,,,survivor in the mad max world of s florida,,,