Private insurance will cover some of that, but many homeowners are finding that they were covered only against damage by wind, not water.

私人保险将弥补一部分损失，但是许多家庭发现他们的保险只负责由风造成的损失，水造成的不管。

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The division between flood and hurricane now sets up the spectre of endless lawsuits between insurers and the homeowners over whether the damage was caused by wind or water.

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By looking at past storms, the researchers created a formula that says damage is proportional to wind speed multiplied by itself and then taking that number and multiplying it by itself, after adjusting for inflation and factors such as population.

WSJ: Few Precedents to Help Predict Hurricane Damage

Insurers are balking at paying for "flood damage, " which they differentiate from "hurricane damage" that is caused primarily by wind.

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