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Storm surge. As a hurricane closes the gap between sea and land, its winds push a huge volume of ocean water ashore, which is a storm surge. (Photo: Shutterstock)

With 20 days remaining in the already record-breaking 2020 hurricane season, it is likely that insurers will eventually be asked to cover hurricane-related water damages. Litigation stemming from hurricane damages can last for years. The distinction between the types of water that flooded the insured property could help an insurer to avoid court, the lengthy litigation process, and the associated costs.

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