The aftermath of Hurricane Harvey will unfold for months to come. Unfortunately, natural disasters have a way of pointing out some of the more unsexy aspects of our financial lives, like the details of property and casualty insurance coverage. Of course the time to review and become familiar with the terms of your policies is not in the aftermath of a severe event, but before it occurs. That said, many victims of a flood learn quickly that standard homeowners’ policies cover structural and water damage only in limited circumstances, like when a falling tree knocks a hole in a roof or breaks a window, allowing rain to fall inside.