Paul, that is just heartbreaking.........I'm so sorry.
I'm guessing the insurance companies are trying to claim "storm surge" is a flood. What a maddening "technicality" since it was wind driven. It sounds like a class-action legal test could be in order, if they actually stick to that position.
Clay
'98 Unique #9299, 427FE side oiler (452.1-stroker), top-loader (close), 3.31 rear
Annapolis, MD