Question about Buying A House Before A Hurricane

[Dana Walker]

I've always wondered this and now seems like a good time to ask.  Lets say you buy a property right before a hurricane.  I realize that there is a cut off time for new purchases before a storm but if let's say you get in before that, close the deal, but the hurricane destroys the property before the deed and mortgage get recorded in the public records, then who is on the hood for the damage?