So a hurricane hit our home... now what?

Make sure you have pictures of every square inch of house and furniture

Start ripping out sheetrock 6" above water line.

First off, I'm so sorry for your situation. I've been in your shoes. 6ft in my house from Katrina.

Secondly, I'm afraid without flood insurance you're going to be hard pressed to be made whole again. FEMA should be your first contact. Your next best bet will likely be to apply for an SBA loan for what you'll need to rebuild. Also, if your family is involved in a Church, seek their help. There will be multitudes of out of town church and volunteer organizations swarming into the area looking to help as soon as they can get in. Seek them out but be very sure to verify they're who they say they are. The good ones will be there to help in virtually every way they can(food, clothing, shelter, house gutting, rebuilding, etc).

Praying for you all.

Someone needs to look at the home for a floor line. If there is a flood water mark at 3" or 3" or any other line, then an engineer will more than likely be ordered by the insurance company to determine what damaged was caused by whwind and what was caused by flood. They will look at storm surge times and wind times to help determine when what damaged happened. No flood line is a great thing. Wind damage to the roof is good, in this case, so is water damage from above.

If you had damage to your roof that allowed water in, you can argue that the damage was caused due to the wind damage. There is pretty much no way they can prove when the damage first occured.

Bottom line is, set up your account with FEMA. You will be able to get some assistance from them regardless, such as reimbursement for temp housing. File a claim with your homeowners/wind damage insurance immediately. And go ahead and set up an account with SBA. You have to go in for a meeting/interview before anything is official for a loan anyway so if you don't need that assistance, you can simply deny it.