tornado that rocked moore, oklahoma. for homeowners forced out of their properties by a natural disaster, the painful process of rebuilding and insurance claims starts now. mary and tom walls know a thing or two about that. seven months ago their new jersey home on the shore was flooded during hurricane sandy. >> i think there was a certain shock when the water was coming in my house. i couldn't believe it. and it didn't knock the front door down. it just kind of rose up. >> bubbled up through the carpeting. >> through the carpeting. >> what's the first call you make after everyone's safe? is it the person who sold you the insurance policy? >> the first thing you should do is get in touch with your insurance company. let them know the extent of the damage and where you can be reached. when you're covered for wind damage, for fire, for falling objects, the two big disasters that are not covered, one is flood and the other is earthquake. and you need to get separate insurance for those types of