Since this issue is "small" it would be handled in a small claims type court and those seem to be notoriously lacking in legal formality.

I looked it up and it seems like you might be screwed either way, even people who had Flood Insurance are having claims denied because of the 2 storms having different types of damage.

Same with food and claiming we need to produce more food.

  ( Umbrella)  So, if you had a claim/judgement on your car, for example, and the judgement was for an amount higher then the policy limit, the umbrella policy will kick in the rest. 

What is the best way to assess and submit for claims with insurance with least resistance from the insurance company ( assuming it’s not a smooth process.

its a Quit claim deed but many get confused and call it different names.. we all learn

Keep in mind @Mario Morales that they take premiums, invest them so there is a profit component on invested returns, and hence amplifies how far the $ can spread on payouts. less than stellar returns and expanding claims, yes, rising premiums is a certainty. 

They also claim move-in fees avoid court disputes.

Currently we are working on 3 properties that we have hired an attorney with a title company to navigate through the taxes and who all may have claims to the property. 

I actually just want the banks to get their $71k so that when I start probate on the bank accounts no one at all can claim any of the monies from the few bank accounts.