The exclusions in standard insurance policies mean that many homeowners and businesses may face significant financial risks during hurricanes. Flood damage, a common consequence of hurricanes, is not covered by most home or commercial property policies unless a separate flood insurance policy is purchased. Businesses in coastal areas may also face high deductibles and exclusions in windstorm insurance policies. Without proper coverage, individuals and businesses may struggle to recover from structural damage, inventory losses, or operational disruptions caused by hurricanes. Additionally, delays in filing claims or inadequate documentation can lead to denied payouts, further exacerbating financial strain.