Shot Doc. Sometimes it's better not to have insurance. I heard from a friend near the Lake County Fire here that FEMA is working first with those without insurance. Also FEMA has been much better running their programs because of how badly they treated Katrina losses under the Bush Administration. I hope for you that your house is at least livable while you wait for financial help. They say it will come, but not quick enough for most.
I have an interest following how well FEMA helps because someday we will need them here in California when the earthquake they say is overdue happens. No one here has insurance either. It would cost me almost $2.000 a year and has a 15% deductible. My thoughts go to you and your family and please, don't ever say you are sorry for not posting. Posting should be the farthest thing of importance in your life right now.
+1. I'm with Sandman here. Best of luck to you and your family during this rough time. Your RX family is here.