Only two of 10 homeowners impacted by Harvey have flood insurance coverage.
Even those with insurance are bracing for a battle with their insurance company.
How do insurance companies come up with their estimates? What recourse do victims have when insurance companies low-ball them?
Loy Vickers has been a licensed public insurance adjuster since 2003. He's fought for homeowners after dozens of disasters including Hurricanes Andrew, Katrina, Rita and Sandy. He's licensed in 10 states and sits on the Board of Directors for the Texas Association of Public Adjusters.
In this interview, Loy uses Harvey as an example of how we all should protect ourselves against insurance companies.