Some evidently haven’t been paying attention to each flood - or is that inundation or act of God? - in the wake of which there’s controversy over what people thought their insurance covered. Believing that some words you read mean you’re covered for X is not the same as your insurance company writing a cheque when X happens.
Here’s an idea, TIEW: Write to one or more of the insurers you quoted, and ask them for a ‘yes’ or ‘no’ answer, in writing, to a specific scenario. “If the owner of a home adjacent to the airport where my aircraft is parked has one of your policies of insurance, will the policy respond if the roof of the home blows off and destroys my aircraft? Yes or no.”
I’ve been through these exercises a number of times. The answers are instructive - disappointly so. I suspect the answer to the specific hypothetical question I posed above would be neither yes nor no, but rather “Why did the roof blow off?” But I’m happy to stand corrected.