the storm, you will be able to document the specific damages that are obvious and apparent to you. >> aishah: that's a good point. i don't think people have time to do that now but for the next storm. talk about maybe the worse worst for folks to be in obviously not having insurance but hopefully folks in florida do. what is the worse-case scenario, what is the worse situation you've ever seen? >> sure there are many people who either don't have insurance or don't know what their insurance policy says or may not be aware that the insurance policy is not even in force because they either failed to pay or failed to renew their insurance. it is so important for people understand or make sure you have a copy of your insurance and to look at it and say what do we have coverage for. there are two kinds of coverage, one is flood coverage, separate