lived through that.

Much more wind damage than anticipated. 
No dial tone.  No DSL.  No power.

Yes, we will need insurance, fire, flood, wind, disaster in general,  liability, theft,  all those things we don't think of as possibilities.  I would like to insure against the risk of riot or other public disorder.

Sooner is better.  As soon as you can is best.

Yes is my only possible answer to you.

 I will deal with your list in detail another time

In haste.