I am so sorry to hear of your disaster! Insurance sounds like a good idea until you want to collect! I think it gives us a false sense of security!
My sisters sewer drain collapsed under her driveway! What a mess. Then found out it had been "leaking" or backed up so she had major damage to the main beam under the house! $$$$$$ She has the house leveled up now and no more creaks when she walks across the room! But what a job! And insurance didn't cover that either! And she is in AR also! :?