Reply #76: She is correct -

[lynne]

- and insurance claims are settled "per occurrence". In this instance, there were two separate occurrences on two different dates. The hurricane and the damage it caused and the flood and its damage caused by the levee burst.

The damage caused by the flood will be excluded by all but flood policies. Some will have a homeowners or property policy which will pay for damage caused by the hurricane and also have a separate flood policy for the flood damage. As they are two different policies written by two different companies, the appropriate "per occurrence" deductible will be taken from each.