The debate over wind-versus-water homeowner claims is not quite as cut and dried thanks to a ruling last month by the Mississippi Supreme Court in a Hurricane Katrina case.

The decision by the court in Corban vs. USAA means that wind damage from hurricanes might still be covered even if excluded flood damage caused by a wind-blown storm surge is also present. The suit was filed by the Corban family following USAA’s rejection of their claim for damage to their Long Beach, Miss., home during Hurricane Katrina.

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