I was President of a condo on Hutchinson Island when Jeanie and Francis hit the island which is a barrier island. The condo had 2 building with 108 units (54 per floor). The hurricanes did between 2.5 and 3 million dollars in damage. There was significant beach erosion which I am sure will happen again with Irma even if it is a West Coast hurricane. You find out quickly how greedy some people can be and it is disgraceful. They demand shares of the Insurance revenue even though they are not entitled to flood etc. The contractors will not be honest and in some cases owners will sue for damages which did not happen. There is a chance the building location will change because of changes in the Florida statutes. As an example the club house blew out and because of a Status change it would have to be rebuilt in an area of a swamp. What saved the day was that it only changed if the building was "rebuilt" but not if repaired. We were able to save 2 walls and declare it was only being repaired so we were able to keep the same blue print footage. If you get water intrusion call Serv Pro. They were outstanding. Go to Home Depot or Lowes and buy "Petrie Dishes" to see if you got mold as it will tell you by just putting the dish in places you think it may be mold and let the dish stand for awhile, (e.g. follow directions). Put some of the things you want to protect in the trump of your car as they will stay dry and be there if you have to drive off, don't let even the smallest thing stay outside where it can become a danger with high wind. Don't buy into the manic emotions of some of the key people on TV, stay calm and smart, If you know your neighbor is away wither on a trip or snnowbird do what you can to help protect his or her property, (e.g. pick up things that can fly with the wind, etc. There are other ideas but it would make the note too long.
