By John Ellison, Luke Debevec, Kevin Dreher and Shruti Engstrom (September 12, 2017, 2:08 PM EDT) -- Homeowners, businesses and other policyholders impacted by Hurricane Harvey's destructive impact need to begin considering how their insurance coverage may assist in their recovery from the storm. Following a major storm, policyholders and insurance companies inevitably find themselves in disputes about historically complex issues, such as the cause or causes of the property damage (and whether they are covered or excluded), valuing the loss, and the relative responsibilities of the policyholder and insurer. A challenging issue many policyholders will also need to consider is whether there was a single or multiple occurrences (or events) due to Hurricane Harvey making multiple landfalls in Texas and Louisiana. The answer to that question will directly impact the amount of each insured's insurance recovery....