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One utility has already said it may need to cut power to 50,000 Southern California homes and businesses to prevent fires.
Meteorologists are describing the flooding as a 'once-in-200-years' event.
Torrential rain from Storm Nicholas could last for days, knocking out power and unleashing floods across Texas and Louisiana.
The organization's insurers argue they shouldn't have to pay claims related to abuse that could have been prevented.
