Have you considered dumping the exceedingly expensive barrel tiles and
re-roofing with something that will be covered by the $11,535? Here in
Mississippi, a LOT of folks had to "downsize" some of their cosmetic
appeal (self included) in trade for something more practical and more
in line with their financial situation.
You might find a roofer who will take the barrel tiles off your hands
in trade for some of the labor costs. Taking that route "might" allow
you re-roof with a nice architectural shingle for the $11,535 you
already have in the bank, negating the need for more funds from FEMA.
But, in answer to your original question - yes, FEMA actually did quite
a lot for many in Mississippi (again, self included) but my situation
is a little different in terms of extreme loss. With five feet of
water in the house, virtually everything was destroyed, making it
necessary to strip the entire house to the studs and the floors to the
joists. And even with FEMA, my out-of-pocket expenses have (and will)
far exceed what I recouped from both them and State Farm.
Pre-Katrina, I was not destitute at all and live in a modest
neighborhood. However, post-Katrina, my wife and I lost our jobs at
Grand Casino - both of which we had been in for eleven years. Perhaps
FEMA looked at that too as a reason for their generosity... That, and
the fact that we were NOT in a flood zone (we're 24 feet above sea
level here) may have contributed to their decision as well.
Generally, folks here who "only" had roof damage (I know it's all
relative) were unable to recoup much money from FEMA.