Flood insurance is different, it is a separate federal policy issued through your regular insurance provider. But you missed the point. I should have clarified by saying "Plus, I predict Texans will see the same nonsense about "acts of god" and water vs wind damage as the companies routinely stamp "declined" on insurance claims."

Flood insurance or not, the companies are going to find ways to deny claims by making up the rules as they go, usually by calling it something different than what it is. The wind may have started the damage but if the house is wet after the wind opens it up, they'll call it flood or water or act of god damage and you're declined. Or they'll find some way to deny wind damage. Or the tree that fell on your house was an excluded species. Whatever.

SRS