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

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.