As you can imagine, there is lots of Press on Hurricane Hilary. While fortunately, it appears that there has been minor to no damage to report, requests for Flood Insurance policies have increased. Most homeowners insurance policies specifically exclude damage caused by floods. While certain forms of water damage can be covered, there is the necessity to educate people on the difference between water damage as it could be covered on a homeowners insurance policy, versus flood damage that could be covered by a flood insurance policy.