I especially feel sorry for those who are not insured. They face having to do some of the work themselves and paying out for builders to do it for them, and you can guarantee there will be a shortage of these as the insurance companies will be bagging most of them for their clients. And, unless they can find alternative accommodation with relatives or friends they will have to fork out for rented accommodation for 9-12 months.
Then there's everything which will have to be replaced; electrical goods, carpets, furniture and so on. I hope there is some way these people can have unwanted items donated to them 9-12 months down the line when/if they are able to move back.