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Damage from hurricane events, especially in our coastline areas have high exposure to both windstorm and flood damage. This creates the wind vs. water controversies that fill our courtrooms following hurricane events. Why?  The primary reason is that property contracts that do cover windstorm normally exclude the peril of flood, and flood policies cover flood but not the peril of windstorm.  What happens when your property becomes damaged by a hurricane, especially near our coastlines?  Will the windstorm carriers and the flood carriers point fingers at each other, and leave you, the policyholder, caught in the middle?  Our experience is if you have a loss from wind and flood you need to be prepared to prove which caused what part of your damage. Note that the National Flood Insurance Program (NFIP), part of FEMA, underwrites the flood policies. How does one sort out this controversy? The public adjusters at Abba Claims Consultants frequently become part of this equation to assist policyholders in sorting out what is wind and what is flood.