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Get going insurance

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I. Have booked for a package holiday to Orlando on the 5 th October 2017 and have contacted my insurance about possible problems occurring e.g. Flooding at the resort due to hurricane Irma.

They have informed me I will NOT be covered due to

Under not being able to use pre booked accomdation
"No cover is provided for any claim when a natural disaster happened BEFORE you left home"

does this apply to the whole holiday eg flights, accomdation, Disney tickets, train fares?

When asking the insurance, she 'hung up on me'

Any advice please....

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