For the past two weeks, insurance representatives, adjusters and federal inspectors have been parading through John and Donna Provenzano's 3-year-old Miller's Island home to assess the damage inflicted by Tropical Storm Isabel.

The French doors on the ground floor were ripped out by the storm surge that washed away furniture and belongings, destroyed the garage doors and tore down an outside shed and fence. The Provenzanos estimated damage to their property at about $25,000, not counting three flood-damaged cars.

They learned last week they will be getting an insurance check for $2,000.

"The check is to replace a hot water heater and for the cleanup inside the house," John Provenzano said.

Like many families living along the waterfront in Baltimore and Anne Arundel counties, the Provenzanos discovered that their policy with the federal National Flood Insurance Program - the only source of flood insurance in the nation for the vast majority of homeowners - didn't cover all of the damage.

If they hadn't had flood insurance, the Provenzanos probably wouldn't be getting a check at all.

Their homeowners' insurance won't pay for any of the damage because it was flood-related, and they don't know yet if they are eligible for a grant from the Federal Emergency Management Agency as part of its disaster assistance.

"We knew that the contents weren't covered because we had flood insurance only on the structure," Donna Provenzano said. "But we were never told what the flood insurance would cover."

Confusion about insurance coverage has many coastal residents angry and frustrated. They say they have received conflicting answers from insurance companies and adjusters, if they can get answers at all.

Donna Provenzano said she has a basketful of correspondence and insurance papers, but she can't get a direct answer as to why her French doors aren't covered. Her family pays a yearly premium of about $300 for $227,800 in coverage on their home.

Mark Stevens, a spokesman for the NFIP in Washington, said structural elements of a home and mechanical equipment such as furnaces, electrical wiring and air conditioning systems are generally covered.

But items such as furniture, carpeting and most basement contents and finishing materials are not.

Flood insurance also doesn't cover outside buildings, piers, bulkheads, equipment out in the open and most motor vehicles.

Flood policies are available up to a maximum of $250,000 for a house and $500,000 for a business. Homeowners also can purchase up to $100,000 worth of content insurance. Businesses can insure their inventory for a maximum of $500,000.

Annual premiums for $100,000 worth of content insurance could range from $172 to $818 for a single-family home like the Provenzanos', said Evan Hecht, owner of the Flood Insurance Agency in Charlottesville, Va., which writes only flood insurance policies. Rates are based on a multitude of factors, such as base flood elevation, or the height in feet to which a 100-year flood would rise. Rates decline when the structure is built above that elevation.

Noting that there are 57 pages in the 400-page NFIP flood insurance manual - which is updated twice a year - to describe the lowest floor of a structure, Hecht added: "Flood insurance is hard to understand."

Until they started talking to their insurance representatives, some residents believed their homeowners' insurance would cover some damage.

Jim and Peggy Stolba of Miller's Island lost their one-story house on Chesapeake Avenue and all of their personal belongings the night of the storm. Jim Stolba said the family has "minimal" flood insurance on the house, but none on the contents.

At a meeting with an insurance representative, they discovered their homeowners' insurance wouldn't cover any of the damage.