people who are in a shelter who have absolutely no idea what's happened to their home and may not have any access to computers, whatever, are expected to file by friday? >> reporter: yeah. it's crazy. there's a new law that goes into effect at the end of next month, and that new law here in texas basically limits a homeowner's ability to challenge an insurance company adjuster estimate of damage. so let's give this a real-life scenario right here in victoria. you see a house behind me. it's boarded up and things look fine. however, we have here in victoria a slow-motion disaster that's under way. see down there? they just closed this road because that's the guadalupe river and the guadalupe river is rising. now, let's take look at the map because in cuero, just north of here, the electricity was on yesterday, things were just fine. then overnight and this morning