Any landlords have experience with natural disasters?

[Alex Monaco]

The basement of my 4 family investment property in NJ was flooded out in Hurricane Ida. All mechanicals were destroyed and I didn't have flood insurance as it was not in a flood zone. It doesn't look like my insurance company will help much, and FEMA does not help with investment properties. My accountant said the government will probably allow help through writing it off and maybe even pulling money out from prior years expenses. Wanted to know if anyone has any experience with this or similar stories. How did it work out for you?