I’m living through the proposed scenario right now. We had Hurricane Ian visit us with 40” of the Gulf of Mexico 9/28/22. I voted for option 2 but won’t necessarily need to spend the entire amount recovered, which is still to be determined. We still have a couple months until we get back in and settled.
Thankfully our excess flood insurance (structural coverage) finally came through this morning. We are waiting on the excess contents $ amount to be confirmed before I’ll have clarity on replacing all that was lost.
Home theater in the family room isn’t my highest priority and I’ve settled in with some older gear and speakers. Will have new subs for it.
My man cave 2 channel room is my baby and will be total departure from its previous setup but not because it wasn’t enjoyed deeply. Time to move on.
@Ron Texas feel for ya and what you’ve been through.