Well, sure, you'll see lots more rain that I have at the moment-- tho our annual rainfall has to be going wonkers. ...tho don't forget my floods from last year! -not to compare natural disasters
I don't envy your position-- our rains are merely annoying, a hurricane is/can be dangerous.
As to insurance-- claims are usually paid quickly in disaster times-- within days of the occurance. What is paid out first is the 'cash value' of both the home and any personal property lost/damaged. Once receipts for the purchase price of new items are turned in, the 'replacement price' is then added to the initial payout.

As to insurance-- claims are usually paid quickly in disaster times-- within days of the occurance. What is paid out first is the 'cash value' of both the home and any personal property lost/damaged. Once receipts for the purchase price of new items are turned in, the 'replacement price' is then added to the initial payout.