Oh, that makes sense then.
We've found that usually any water damage whatsoever has to be covered through flood insurance and where we live we also have a separate windstorm policy just for hurricanes in addition to homeowner's and flood.
Windstorm is a state mandated policy for anybody living within 5 miles (IIRC) of the coast and the premiums got so out of hand after the last hurricanes that a large number of the the folks who had their houses paid off here on the island dropped their insurance polices altogether. Speaking with my agent a few years back I was told that some of his customers with large homes were paying upwards of $50-$150k annually just for the windstorm policy.
