The walls are cement block with paint over it (here cement block
construction is very common and is referred to as "CBS") and yes we
live in Florida. As we live in a "high" area at least for Florida, we
do not have Flood insurance.

Our damages from this water intrusion were basically minor....just
water stains on the wall and one damaged piece of furniture. If our
insurance company comes through with what they seemed to indicate,
we'll be happy with the settlement. I'd just like to know if there is
anything I can do to prevent this type of water intrusion again.

By the way, during all three hurricanes (which we got pieces of), we
NEVER had any standing water outside and the line between the
foundation and the block walls (pointed out to me by the
adjuster..where you could see a line of moisture) was well above
ground level. On some areas of our exterior walls, you can see where
a layer of ? (cement?) has been spread over the connecting areas but
it's only done in places. Come to think of it, it's been done in the
areas that leaked. Maybe a previous owner tried a repair.

Is there anything I can do to fix this or should I just move the
furniture when the next "blowhard" comes calling!?

Sandy