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Billion. some companies are sending in mobile offices to process the thousands of claims. adjustors are going from house to house documenting the damage. taking measurements. and estimating the losses. a daunting task with so many homes in ruin. >> i've seen a lot. i don't know how it gets any worse than this. look around, how does it get any worse than this? >> there it is, gone. >> like it just sucked them out. they were heavy chairs. took two good men to bring them in here. >> reporter: gaddis and his wife expect to get full coverage on their policy. >> the check from the insurance company ...

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Again refiling paperwork even though they can document lost wages all the way through the end of the summer already. the second thing is that the bp adjustors they've been dealing with just don't understand enough about their business -- fishing, running a charter boat operation, so they miss certain expenses and people feel they are not being paid what they're owed. >> you know, i have immaculate records but it seems to not matter. bp just decides that, you know, and then you have to wonder -- >> what do you mean? >> well i guess they decide what you're going to get and that's not fair. they ...