Insurance companies pay for what your policy says they'll pay for. I know when I was looking at ocean front property that was one of the things that scared me off - it's hard to find a company that will cover all hurricane damage. It's also why you read the terms of your policy so you know WHAT you're getting and not getting
Also, in the US, there are dozens of ways to borrow money for very low interest rates to repair storm damaged homes in declared disaster areas. It's not the best but if you're living paycheck to paycheck and don't have anything in savings for repairs, and you're living in an area you KNOW can get hit by a hurricane, you really can't ask for much more than what you bargained for.