CHOCTAW, Okla. (KFOR) — It's been over ten days since tornadoes ripped through Oklahoma. Homeowners are now faced with navigating insurance claims and starting the long road to recovery. "We're kind of in limbo right now and it makes it very frustrating, especially for you know, we want to get things done and we're stuck," said Richard Bussey, homeowner in Choctaw. Some homeowners like Bussey feel helpless, as they watch those around them begin the cleanup process. However, experts say moving quickly is not always the best option. "Truly a person should not be demoing their house or throwing anything away unless they actually already have the estimate from the insurance company and they've agreed it to it," said Alice Young, owner of Brown O' Haver. The reason being is that Oklahoma is a fair market value state. Oklahoma Insurance Dept. shares storm tips "Just because you have a total loss doesn't mean it's policy limits and you still have to prove that it is," said Young. While homeowners may focus on big-ticket items such as furniture, detailed inventories of even the smallest items are essential for a full claim. "Let's just say you have a policy limit of $100,000, the insurance company does depreciate that, which means that you get less, so you actually need to make your inventory that you can't stop at 100. You got to go all the way to 200, so that if it's depreciated, you can get the full amount," said Young. It may look like others are moving on, but Young says it doesn't mean they got a fair amount. "There is actual studies that show that 90 percent of people take whatever the insurance company offers them and the fact of the matter is that they make so much money on those 90 percent that they are willing to fight the 10 percent of people who are willing to actually fight," said Young. Experts say it's up to the homeowner to decide if it's worth it to wait and get the full amount, or move forward quicker but receive a lesser amount from their insurance company. Young also says while the initial visit from insurance should happen within one to two weeks, getting a full settlement can take months, even up to a year or more. Homeowners should prepare for a prolonged process.