yeah, when my parents lost their home in Hurricane Ivan, Liberty Mutual was the "scummiest" people you could ever deal with. Although their home was basically ripped apart by a gi-nomous waves, many inches of rain and 125mph winds; neither the flood people nor Liberty mutual would take any responsibility for their loss. The rep from Liberty Mutual told my parents to take the very small settlement or sue them but told my parents they couldn't afford to sue Liberty. In the end, we took Liberty to arbitration and won 100% of the claim. However, you better be prepared to slog it out and have a ton of time to continuously file papers, appeals, studies and such. Like said ^ here.
Also, since this has not been deemed a Class 1 at the time of landfall, many insurance companies are already denying liability and balking on claims. Its gonna get ugly.