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The economic losses could be significantly higher, given that only a third of home-insurance policies in Germany include natural hazard cover.

Thousands of homes and businesses have been damaged by flood waters in at least seven states over the past week.

Some aspects of claims are easy to overlook in the rush to service insureds.

Multiple failures led to underpaid claims, under-insured losses and enough blame for everyone.

Multiple failures led to underpaid claims, under-insured losses and enough blame for everyone.

FEMA is working on settling litigation with hundreds of Hurricane Sandy victims who challenged denials or alleged underpayments of flood insurance claims.

When dealing with Superstorm Sandy claim delays, a key problem was the lack of available flood-insurance adjusters, an industry official said. A N.J. senator, though, says the entire claims process is "tilted against homeowners."

When dealing with Superstorm Sandy claim delays, a key problem was the lack of available flood-insurance adjusters, an industry official said. A N.J. senator, though, says the entire claims process is "tilted against homeowners."