Your roof is damaged and rain ruins your floors and furniture. Your policy covers the roof, floor and furniture. Flying debris breaks windows and rain damages the indoors. Again, homeowners to the rescue to pay for the windows and the rain damage. Flying debris lands in your pool, breaking tiles or the filter.
Homeowners covers it.
Pressure from waterlogged soil cracks the walls of your pool. Pools aren't covered by flood insurance, either. Your car is flooded inside your garage. Look to your auto insurance's comprehensive coverage for help. High winds knock out your electricity for days, ruining hundreds of dollars worth of food in your freezer.