Homeowner and auto insurers are dealing with thousands of claims in the aftermath of Hurricane Matthew. And some policyholders are discovering - or rediscovering - a hard truth: Standard homeowners’ policies typically do not cover flood damage, that is, damage from rising water. While comprehensive auto insurance can cover flood damage, that’s not the case for homeowner’s coverage. Protection from flood damage to homes must be obtained separately through the National Flood Insurance Program, which is typically purchased through one’s existing homeowner’s insurer.