When dealing with flood insurance you have to keep in mind they work for you and not the other way around. Of course you need them to help you through the tragedy from Hurricane Sandy but if you take on any work on your home while waiting for a contractor to either be allowed on the island or into your area you are entitled to be reimbursed for your time. Even if you decide to do the work yourself you are entitled to be compensated from your flood insurance policy.
Here is the FEMA site to help you gather as much information on your own as possible to avoid making bad decisions. Good luck!!