After luis in 1995 the people that had insurance got zip... Most companys ran for the hills, and when its a huge catastrophe you never get enough to rebuild... Plus the cost is outrageous, and deductables. For now, not only is the Island suffering from massive destruction, but gangs are going around stealing, and looting.. Imagine poor people trying to protect there property? they are calling for more dutch milatery... We have heard nothing from anyone on Island, but we have no hopes that our home is standing considering what we are hearing and seeing, and no we do not have insurance... Not to mention, we are not young people that can wait years to reconstruct.. What to do is the question... That is our home away from home, so thank god we have our residence here in pa...Very sad situation... People will be not making money for a very long time...