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 66, 5 feet tall
Highest weight ever 246 lbs. in the fall of 2010
FitDay starting weight 1/17/11 240 lbs.
Weight 3/11/2013 222.5
Weight 5/1/2013 231
Weight 5/8/2013 227.5