Florida growers have yet to determine how much damage their crops suffered from the cold snap that gripped most of the country the first week of January, but insurance experts say much of the expected losses will be covered. Freezing temperatures descended on South Florida and much of the Southeast for more than a week, causing anxiety for farmers, particularly orange growers. Some agricultural insurance experts said growers may have avoided large freeze losses, while growers’ groups still were assessing how much of this year’s orange crop will be lost.