Actually, it's not crap.
Read your policy.
And I said: They do.
And then you said: Thats crap, a hurricane broke the flood containment system and caused massive flooding...
Read your home owners policy; I can guarantee you it has something close to this in it:
Under exclusions:
"Number 1) We do not insure for loss caused directly or indirectly by any of the following: such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss:
c.) Water damage, meaning:
1.) Flood, surface water, waves, tidal water, overflow of a body or water, or spray from any of these, whether or not driven by wind.
2.) Water which backs up through sewers and drains or which overflows from a sump; or
3.) Water under the surface of the ground, including water which exerts pressure on or seeps or leaks through a buidling, sidewalk, driveway, foundations, swimming pool, or other structure.
Direct loss by fire, explosion, or theft resulting from water damage is covered.
Then you admit that it is flood damage and not falling-water damage. And flood damage is not covered in the standard policies.