"I now have flood insurance... my stuff will be replaced by a nice fat insurance check."

Did you actually read the policy? Is what you think is covered, really covered? And what percentage of the value are they paying?

I read a pet insurance policy many years ago, and after wading through the gobbledygook, the pet was insured against loss under about three unlikely circumstances: 1) If your house was hit by the flood of a bursting dam, and the dog was tied to the doorknob at the time; 2) If the dog was on a railroad trestle and the trestle collapsed; 3) If the dog was kidnapped/killed by space aliens in the form of clowns. And the 'value' of the dog was based on purchase price, pro-rated.

Read the policy.