insured until you make a claim

Insurance well I think people a panicking a bit as the old saying goes you are insured until you make a claim. I to live in sunny Qld and have experience some substantial loss have had water poring through my roof since the 27th December I have been told I will get to see an Assessor on the 17th January. You are covered by water falling but not by water rising. There is the difference. You have to take out flood insurance to be covered that is an expensive ad on most people can't afford it. The finite clauses to you polices are usually on page 8432 of your contract in number one font. I wonder if the people down from the Wivenhoe dam will be covered once they release this. Wivenhoe dam is at 140% capacity now that will be man made flooding it is neither storm water or rising water wonder how the insurance companies will define this one.