katrina.. New Orleans.. Hurricane hit, major damage.. Flood hit, vaporized everything.. People had home owners insurance and required FEMA flood insurance if they had a mortgage..
Each insurer wanted the homeowner to prove what destroyed their homes.. The damn home was gone.. Wind, flood their was nothing but a foundation..
Both refused to pay until the homeowner could prove what caused the damage.. Went to court, fail.. Lot of poor people never got their money.
Insurance companies say the $11 billion they have paid for damage to houses in Louisiana is unprecedented. But they have refused to pay for damage they contend was caused by flooding - which is generally not covered by homeowners insurance - even though many people here believe much of that damage was caused by hurricane wind, which usually is covered.