Insurance policies may or may not cover all your damages from a storm like a hurricane. In general, for residential policies, most policies cover damages caused by high winds, such as damaged roofing shingles, broken windows, water entering damaged building components, or damage from toppled trees.
The tricky part comes when your home or business is damaged by water. This is where a forensic architect or engineer can help. Their job is to determine the cause of the damage--floodwaters or rainwater--to aid in settling with insurance companies.
Hurricanes can damage the building envelope and cause leaks into your property. Wind or debris can damage your roof, walls, and windows, which then allows water inside your property.
Most insurance policies will not cover water damages due to pre-existing conditions; conditions that can be attributed to a lack of maintenance, such as old roof damage, holes in exterior walls, or leaky windows. Some policies do not cover damages from wind-driven rain through existing openings in buildings.
The above is a general overview of typical insurance policies related to wind versus flood damage. We advise people more interested in this topic or concerned about their coverages, to contact an insurance professional.