We have a claim situation where there was hurricane damage, but the premises also flooded. The insured claims the damage is from the hurricane, but the insurer says it was from flooding. How is this dispute resolved? 

Puerto Rico Subscriber

In such cases, you need to look at the damage and the facts of the loss. Did wind from a hurricane damage the roof and let water into the building? That is not flood damage and would be covered under the commercial property policy. However, if the hurricane caused water to rise up around the the building, enter it, and damage the floor, walls and business personal property, that is probably flood damage.