The concurrence of Flood Exclusions and Wind Coverage is in many ways a specialized subject. See, e.g., Dennis J. Wall, § 7:5, "ACCC or 'Lead-in Language'," and § 7:6, "Water and Flood," in John K. DiMugno, Steven Plitt, and Dennis J. Wall, "CATClaims: Insurance Coverage for Natural and Man-Made Disasters" (West Publishing 2008; 2011 Supplements).
The Catastrophe called Irene has left a growing awareness in her wake that out of the great Damage she inflicted while she was among us, much may be Excluded. See Michael Cooper, "Hurricane Cost Seen As Ranking Among Top Ten / Limits on Insurance / Many Policies Exclude Payment for Losses Caused by Flood" p. A1, col. 6 (New York Times Nat'l ed., Wed., August 31, 2011).
This is one of the lessons Hurricane Katrina left us. Having lived through Hurricanes Charley, Frances, and Jeanne myself, I can definitely say that it is better to have such problems, than to have nothing at all.
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