Mike, I hope the storm passes you by! Good catch on your flood insurance!
You are right that some people have no idea that their inefficiency can be truly devastating. So sorry things are so screwed up for you right now. Hopefully all will be resolved soon.
Big hug to ya!
Age 67, 5 feet tall
Highest weight ever in the fall of 2010 246 lbs.
FitDay starting weight 1/17/2011 240 lbs.
Weight 3/26/2014 223.4
Current weight 4/4/2014 221.2