A Texas-based home insurer is asking the Mississippi Supreme Court to follow federal precedent and rule out coverage for hurricane damage caused by a combination of wind and water.

The oral argument from attorneys for United Services Automobile Association came Tuesday in an appeal filed by Margaret and Magruder Corban over damage that Hurricane Katrina caused to their Long Beach, Miss., home in 2005.

USAA says it does not pay for damage caused by water, either alone or in combination with wind, under the exclusion written into the Corbans’ policy.

The Corbans want the Mississippi court to force USAA to pay for all damage to their home because the couple contends wind destroyed their property before the storm surge arrived.