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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Water damage also drives more than 20 percent of handset insurance claims during the summer months as consumers look to stay cool and connected by the pool.

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There will undoubtedly be wrangling between insurance adjusters, homeowners and the feds over what water damage was due to the storm, and what is attributable to the rising flood.

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If you have had water or other damage, check out my post on next steps to take, including how to file an insurance claim.

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