No one online can answer this most complicated question. There is no way on earth that you can bring suit, pro se, about a situation such as this. You must hire counsel, they will will implead all the necessary parties.
I wish I could be more help, but your intial consulation along with reviewing the documents and reports will take a couple of intensive hours.
Good luck though, I hate ot hear this sort of thing, people in need after storms , taken advantage of.



