SEATTLE (AP) — Though natural disasters cycle across seasons and regions in the U.S., it’s often a shocking discovery for property owners how expansive and expensive flood and water damage can be when a major storm devastates their homes, businesses and communities. That’s because oftentimes insurance doesn’t cover what the policyholder thinks it does — or thinks it should. The disappointing surprise is that while the standard home insurance policy does cover fire and wind damage, even good property insurance typically doesn’t cover things like flooding and earthquakes, which usually require a special and separate policy for each.