They do cover damage done by winds from hurricanes but if it is like my state of Georgia who experienced the 1994 500 year flood you have to buy extra flood insurance for it to be covered when the damage is due to flood waters.
Many of the homes/businesses in our area had never ever been in a flood zone so they didn't have flood insurance and lost everything they had and still had to pay their mortgages on top of that if they had one. Many beautiful homes on one of the creeks were lost due to the water being up over the roof lines and stayed that way for weeks.
From experience this is going to get a lot worse before it gets better. It doesn't matter if Harvey has been downgraded to a tropical storm. What does, and will matter is that he is hovering over the same areas which will cause extreme flooding most have probably never seen in their lifetimes from the rainfall.
It doesn't help that many of these areas are at or below sea level and Houston has so much concrete where the rain will have no place to runoff like it would if it had a lot of grassy areas to catch some of the rain.
When it happened to us we literally were trapped in our area for a week. For thousands it stayed that way for over 6 weeks before it finally began to subside. In times like this you will see different types of insects, worms you have never seen before. The fire ants will be in the water in the millions along with the slime and erupted oil/fuel. It is very dangerous to even walk ankle deep in the water the higher it gets and the longer it stays. Its going to get a lot more dire in the coming days. Those who have even a tiny cut or abrasion can become very sick from the contamination in the water including raw sewage. All of the creeks, lakes, and rivers will overflow causing more flooding. Even lakes, creeks, rivers above the main affected areas who also have rain ...........that rain will have to come into the other tributaries in the badly affected areas before it goes into the ocean.
Those living close to lakes, rivers, creeks be very mindful of how quickly the water will rise. It can catch people off guard. This happens when all tributaries are overflowing already and have no where to go but in areas it most likely has never gone before.
Please be very alert my dear Texas friends. Things can change drastically in a very short period of time.
