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Why insurance might not cover billions in hurricane Irene damage

Damage estimates run in the billions for hurricane Irene, but with flooding the main culprit, a majority of damage will be items not covered by insurance claims, experts say.

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Counting the cost of damage left by hurricane Irene
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Hurricane Irene leaves in its wake an economic toll that includes inland flooding, power outages, and costly shutdowns of big-city transit systems.

Although Irene downshifted to a tropical storm before passing through New York City and beyond, damage could still total more than $5 billion, according to one assessment.

Among the storm's largest effects:

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