On a side note, mom and dad made it home from Florida just fine. BUT they came home to many not so happy surprises. First, they had to put out $300 for a service man to come on a Sunday to fix their thermostat so they could warm up the house. Second, they had to call an adjuster to come because a large branch fell from one of their large trees and took out their fence. Third, the truck battery was dead and had to be recharged before he could start it. Fourth, they went down to the family room in the basement to find they had water damage and to top it off black mold had set up residence in their walls. And to add insult to injury the adjuster informed them they would not cover the damage in the basement due to the fact that is was surface water that got in the basement and they do not cover that type of damage. You need to have flood insurance to get this type of water damage covered. Who would have ever thought they should have gotten flood insurance. They do not live anywhere near low areas that would have been effected by "flash floods" nor have they ever had a problem with water getting into the basement.
Got to love those Insurance Companies. What mom and dad do not realize yet is that even though the insurance company will not pay they will still have a claim against their account. And that is what is truly not fair.