Flooding is not our problem say insurance companies

Much of the damage in the gulf coast is caused by flooding rather then by wind, flying debris or other things covered by standard home owners policies. Because of this many insurance companies will not be paying claims, after all flooding is specifically excluded from home owners policies.

So which came first and was the root cause? The hurricane or the flooding?

I think the root cause is obvious and this is not like the flooding caused from torrential rains that do no damage other than flooding. The mid-western flooding of 1993 was a good example of flooding being the real problem and I would accept that flood insurance was needed. In the case of the aftermath of devastation left by a hurricane I think insurance companies claiming it is a flood problem is criminal, even in the case of New Orleans.