There's no point to trying to shelter in place when the place is likely to fall down and fill with water. Get out. If the storm isn't as bad as expected, you can always go back.

Re: Insurance. An ins. agent friend of mine once pointed out that the insurance companies are in the premium-collecting business, NOT the claim-paying business. They only pay because they have to. BTW, I read somewhere that the insurance companies are trying to get the Bad Faith laws (the ones that force them to abide by their own agreements) overturned. <img src="/images/graemlins/mad.gif" alt="" />

Sue