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For those who lost their houses, my thoughts are with you.
With the rebuilding, you will need to aggressively stand up for your rights. Complain if needed directly to the insurance commissioner. You will have to be very proactive.
This is a very sobering story from Bloomberg
http://www.bloomberg.com/apps/news?pid=20601203&sid=aIOpZROwhvNI&refer=i…
Victims of the Cedar file were victimized a second time around. Insurance companies will be slow-rolling and nickel&diming all the way out.
Good luck.
Bubblesitter
