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Jean Chatelier gets a ride from a passing motorist after walking through a flooded street from Hurricane Irma to retrieve his uniform from his house to return to work today at a supermarket in Fort Myers, Fla., Tuesday, Sept. 12, 2017. (AP Photo/David Goldman)

Hurricane Irma’s powerful arrival in Florida has led to significant damage from a combination of wind, flood and storm surge.

The life-threatening and property destroying storm surge was forecasted to be 10 to 15 feet, but as the storm dissipated over land, so did the extreme storm surge forecasts. Nonetheless, Irma’s impacts on Florida and the greater South are a stiff reminder of the importance of understanding how your insurance policy will respond to all aspects of a natural disaster.

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