In some cases, insurance companies argued that houses were damaged by flood, not wind, which their policies cover more generously. That may seem like capricious hair-splitting to people who have suffered a major loss, but such terms are in the insurance contracts that they signed, whether they understood them or not.
在有些案例中，保险公司声称房屋毁坏的原因是洪水而非大风；而对于大风带来的损失，他们愿意慷慨赔付。对这些遭受严重损失的人们来说，这是在细枝末节上纠缠，而且结论不定。但这就是他们签下的保险合同，不管他们是否真的看懂了。