Charley's coming round

I'm about to experience my second hurricane, but the first I shall remember. Hurricane Charley is going to hit Philadelphia in the next three hours or so, and, although it's now downgraded to a tropical storm it should be quite an experience. The devastation in Florida is quite shocking. Watching some footage now I cannot imagine what it would be like to return from a shelter to find your home and everything you have destroyed. What would I do? I have genuinely no idea.