From InsuranceNewsNet.com, One U.S. senator thinks the solution for wind vs. flood disputes over storm damage should be -- in the case of a disagreement between insurers -- to initially split the coverage 50/50.

So, Sen. Roger Wicker, R-Miss., introduced a bill in the Senate that would do that, amending the National Flood Insurance Program to ensure that disputes don't leave the insured hanging.

However, as with a number of other bills dealing with bedrock homeowner coverage issues, it's unclear that the Senate will find time to act this year. This has been the final week of the House session before the August recess sends lawmakers back to their districts until mid-September; the Senate will work one more week.

The "Coordination of Wind and Flood Perils Act of 2010" would "remove the burden of determining flood and wind loss allocation for the purpose of insurance claims from the insured and to place such burden on the entities that are responsible for the payment of such claims," according to the bill. In the event of a dispute between the flood insurer and a wind insurer after an incident "arising from the combined perils of flood and wind," each would immediately pay half and move the conflict to a Federal Emergency Management Agency arbitration panel.