No sense in blaming the victims here. People were paying good money for their coverage, believing that their agents were giving them the best possible representation. I am sure it was presented to them at the time of sale as being wholly adequate for their needs. You jolly well know that the insurance agent was upselling every possible feature to jack up the premium and explaining how protected they would be.
It is only now, after the fact, after paying premiums for policies that are generally useless, that the companies are truly being a pain in the ass. The companies are looking for every possible loophole to get out of paying, and devising a few of their own. Of course the policies explain what is covered and what is not--but how about the companies looking for ways to creatively change the course of events by renaming them as something not covered under the policy (superstorm vs hurricane)? These are merely homeowners, not magic oracles able to forsee the imaginative ways their companies will try to undermine them.