Let me clearly understand your suggestion. If you lost power for 24 hours even if it was an inconvenience, you should be sure to get your money from FEMA which is intended for emergency relief.
And you can get yourself even more money using magic words about food even if you don't have a food emergency and are doing fine and were able to replace your food losses because can afford one refrigerator's worth of food replacement.
It is exactly that get what you can without really being economically at need that comes from the same mentality as all the phony roof claims. I'm not doing anything wrong, the roofer says it was from a hail storm I never noticed and I need a new roof.
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Men plug the dikes of their most needed beliefs with whatever mud they can find. - Clifford Geertz
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