The infrastructure that connected these homes to the most basic of services was severed when hurricane-force winds brought trees down across power lines and transformers were fried in a deluge of salt water.
Eliminate the restrictions of buying and selling insurance across state lines, we force insurers to maintain multiple infrastructure when one could be sufficient.
Like UPS, these companies have the trucks (their product lines) and the drivers (their sales force) and what they need now is a regular source of new packages (products) to deliver to customers.