When we hear about hurricanes, tornadoes and earthquakes we just assume that our homeowner’s insurance would cover our loss, but that’s not always the case. The first thing the insurance company will do is determine is if the damage was caused by wind or water. Much of the damage Hurricane Irene was caused from flooding. Most homeowner's policies only cover wind. Flood insurance and Earthquake insurance are extra, so most people don’t have them!
So it might be a good idea to look at your insurance policy to see what actually is covered. This is a list of what most homeowner's insurance policies cover.