Newsradio WFLA's Read Shepherd talks with former Tampa police officer Ruben "Butch" Delgado, now head of a Special Investigations Unit for Heritage Property & Casualty Insurance.  We're talking about things a homeowner who suffered damage from Debby needs to do---especially if they don't have "flood insurance."  We're also talking about the "predators" who scam unsuspecting homeowners out of money and do no repair work.