Experience has taught me two things about insurance.
1) If your car or home loan is less than halfway paid off and a disaster hits (flood, tornado, hurricane, etc.), notify your lienholder and let *them* fight with the insurance company. After all, it's *their* investment too and they have lawyers to fight for you. The insurance company figures it's all in their favor when it is just you vs. them. You need somebody else to make it a fair fight - somebody who can hurt them if they don't play fair. Knowing the name of your state insurance commissioner is also a nice asset.
2) If your auto is damaged by a tornado or a hurricane, but not enough for a total, go out there with a baseball bat or a sledgehammer and finish the job before you call in your claim. Don't leave it up to them to decide if the car is a total or not. You'll be glad you did.