The approach of a hurricane is not the best time to discover that your home may not be adequately covered and once a tropical storm or hurricane watch or warning has been issued, insurance companies will not allow homeowners to obtain new or additional insurance coverage. Be informed of what your getting as a payout from your carrier before agreeing on a settlement.
The damages caused by a plumbing leak or water damage are an indirect loss and they are covered under the dwelling coverage of your policy. For example one small damage to a kitchen sink may be a cause to replace all your cabinets or more. Kitchen damage /bathrooms,A/C leak, etc. you may qualify for full room replacements of your damages.