If IRS reconstructs your income with the bank statements, you need to have a audit trial of what all the money coming in are for. 

It's funny how events like these can refocus and reconstruct your perspectives on a lot of things.Suddenly, I started remembering the "Rich Dad, Poor Dad" book I ready a decade ago, and how much that changed my perspective of assets at the time, yet took no action about it. 

Her father was a famous brain surgeon in the area and had the foresight to buy a ton of property in Madison County when there was nothing up there.

If you are a surgeon making $200,000 a year then you can probably pay most major expenses out of your monthly income.Everyone's financial situation and risk level is different.

That being said, there are reasons you may want to hire an adjuster such as, not being able to meet with the insurance company adjusters, not being familiar with the coverage, not being familiar with the reconstruction process.On the claim process in general, gather what documentation you can on the items damaged or the parts of the house damaged.  

He had one of his more experienced staff reconstruct my books on their system, which includes, asset costs, depreciation etc. and reviewing the balance sheet, it was totally different than what I had.

As for the reconstruction work.....since most of the damage was from flooding, I’m guessing most owners did not have flood insurance which means owners will be paying out of their own pocket.....leading to a lot of homes not being rebuilt/repaired and a lot of DIY repairs by homeowners, due to a lack of money.

question, they are trying to get rid of several large yard trees without having to pay a tree surgeon for the removal :-)

I understand your point about liability policies but what happens if you personally get in a car accident and kill a high income individual like a young brain surgeon or lawyer?

On one end I read about investors that take advantage of the Act 22 tax exemption, on the other end the government struggles with debt and reconstruction of Hurricane Maria damages.