In the wake of Hurricanes Helene and Milton, many homeowners are waking up to a nasty surprise when realizing their homeowners’ insurance policy doesn’t cover damage from flooding. Both hurricanes have caused extensive floods in the affected states, and cities along the Florida Gulf Coast reported storm surge levels comparable to Hurricane Ian in 2022. In addition to killing roughly 150 people, the two hurricanes have caused approximately $100 billion in damages, with Helene costing $47 billion in and Milton expected to cost in excess of $50 billion. Flooding is covered by the National Flood I…