After 4 to 9 inches of rain fell Tuesay in central Miami-Dade County, the threat for locally heavy rains continued Wednesday.

A flood watch remains in effect for all of Miami-Dade County through 8 p.m. Thursday, the National Weather Services says.

A record 5.54 inches of rain fell in Miami Tuesday, easily eclipsing the previous high total for May 22, according to the National Weather Service.

The National Weather Service issued a flood advisory for northeastern Miami-Dade and southeastern Broward until 1 p.m., including the areas of Tamarac, Sunrise, Pompano Beach, and Plantation.

Flooding was reported in areas throughout Miami-Dade, even causing Miami-Dade College to cancel classes on its West Campus. Morning classes were again suspended Wednesday.

Some of the heaviest flooding was reported in Doral and Sweetwater, where record rainfall was recorded.

In Doral, officials reported severe flooding on several streets, including: Northwest 79th Avenue between Northwest 25th Street and Northwest 58th Avenue; Northwest 84th Avenue at Northwest 36th Street; Northwest 87th Avenue at Northwest 36th Street; and Northwest 33rd Street between Northwest 82nd Avenue and Northwest 97th Avenue.

Doral Public Works personnel were doing a citywide assessment Wednesday.

“We are trying to provide people with an alternative. If they’re experiencing some flooding issues we’re providing sandbags free of charge,” Public Works Director Eric Carpenter said.

The water was about an inch deep in Dennis Honeywell’s house in Doral.

“We were up until two in the morning bailing water out of the house,” he said.

Streets in Honeywell’s neighborhood near Northwest 97th Avenue and Northwest 25th Street looked like canals, as photos he took showed.

Just two blocks away, Rick Carcas’ street was dry, as the storm drains there appeared to function better. He said only so much water can go down the drain “when you have canals that are not going out to the ocean anymore.”

“Mother nature is Mother Nature. At some point you have to give her the credit for some of this,” he said.

Sweetwater officials said all city streets were dry Wednesday and there were no reports of residential or business flooding.

For Wednesday, expect cloudy skies with scattered downpours and highs at 84. Some thunderstorms are possible and rainfall amounts could range from one to three inches.

The threat for heavy rain across South Florida and the Keys will continue overnight. Low temperatures will level out in the mid-70s.

While there might be a little more sunshine Thursday, afternoon showers and thunderstorms are still possible.

Storm chances continue through the work-week with more sunshine in the forecast over the long holiday weekend.

As weather disasters strike with more frequency, homeowners first get hit with the destruction or total loss of property. Many are then hit with the unexpected loss of homeowners insurance policies as insurance companies re-evaluate their financial liabilities.

South Florida, last year, R. Paula Lazzari’s home was badly damaged. The retired teacher found broken windows, missing siding and a damaged roof. Her insurer offered to fund repairs for one broken window and some of the siding. It took nine months — and mediation services from an independent adjuster and the Massachusetts Division of Insurance — to get her bills paid, according to the parties involved.

In this era of unpredictable weather patterns, Lazzari’s case is not unique. Insurance companies are raising rates, cutting coverage, balking at some payouts and generally shifting more expense and liability to homeowners, according to reports from the industry and its critics.

“Insurance companies have significantly and methodically decreased their financial responsibility for weather catastrophes like hurricanes, tornados and floods in recent years,” the Consumer Federation of America said in a statement after studying industry data.

The industry concedes that it is trying to avoid getting trounced by those same punishing weather patterns.

“Last year (2011) was an extraordinary year for natural disasters,” said Michael Barry of the Insurance Information Institute (III), an industry trade group. “Insurers have taken a step back to assess whether or not they can absorb severe losses.”

STATES LEFT IN THE COLD

Some insurance companies have pulled out of weather-challenged states — meaning they will not write new homeowners policies and may not renew contracts with current policyholders.

In the wake of Hurricane Irene last summer, for example, Allstate informed some 45,000 North Carolina policyholders that it would not renew contracts that were not bundled with auto insurance.

After a spate of tornadoes last April caused $11 billion of property damage in Alabama, Alfa Mutual Group announced it would not renew 73,000 Alabama property insurance policies.

“The increased frequency and severity of storms over the last decade have highlighted the need for Alfa to review its overall property portfolio,” Alfa President Jerry Newby said in a statement.

Florida, where insurers have been dropping coverage since Hurricane Andrew in 1992, is a good example of where this can lead. With an annual average of $1,460 per home, homeowners’ premiums there are second-highest in the country (Texas, at $1,511 is first), according to the most recent data available, a 2010 report from the Insurance Information Institute.

“Florida’s off the charts when it comes to pricing,” said Mike McCartin, an Ashton, Maryland, independent insurance agent.

The state has stepped in to cover some 1.5 million properties via its publicly funded Citizens Property and Insurance Corporation as insurers drop more and more homes.

“You simply have major private insurers that are unwilling to write policies in Florida,” said Robin Westcott, the state’s insurance consumer advocate.

“It’s just a tough market to be in,” said Phil Supple, a spokesman for State Farm, which was once Florida’s largest property insurer. It stopped writing new homeowners’ policies there in 2007.

CHERRY-PICKING OF CUSTOMERS

Even though companies are not abandoning states at will, many opt to drop coverage on individual homes or customers that may seem prone to file claims. Insurers generally work on three-year contracts with homeowners, Barry said. At the end of those contracts, insurers can decide to raise rates or not renew.

When frozen pipes caused flooding in Phil Berger’s Ijamsville, Maryland, home last year, he got a $6,000 check from Allstate for the damages — and a policy review. Berger said an Allstate contractor told him to make $100,000 in repairs to his home at his expense or he would lose his coverage. He refused, and instead found a less expensive policy with a company that required only one smaller repair before covering the home.

“You just need to be on your toes at all times,” Berger said.

Allstate declined to comment on Berger’s case, but sent an email response to general questions about the company’s nonrenewal policies.

“Allstate responsibly manages its risk by opting to not renew policies as warranted,” company representative Kevin Smith wrote. “These actions are carefully considered, and help ensure Allstate’s continued ability to provide a wide variety of insurance products to consumers at a competitive rate, while remaining financially strong in every community we serve.”

PAYING MORE FOR LESS

Even homeowners that renew every year may find new limits buried in their policies. The Consumer Federation report said insurance companies have “sharply hollowed out the catastrophe coverage offered to consumers” by raising deductibles, capping replacement costs, and — significant for folks in the path of tornadoes and hurricanes — removing coverage for wind damage if another non-covered event (usually a flood) also occurs.

Industry groups say this misstates the facts.

“The …(CFA) could not be more wrong,” said Dr. Robert P. Hartwig, president of the Insurance Information Institute. “Cities such as Tuscaloosa, Birmingham and others are being rebuilt today because of private insurance companies paying losses — not from ‘hollowed out coverage’ policies.” Insurers have paid “literally billions” of dollars to “hundreds of thousands of claimants” affected by natural disasters, he said.

Hartwig also defended the practice by some insurance companies of leaving certain states or regions.

“If you tell an insurance company that they can’t raise rates despite nine hurricanes in two years, obviously insurers are going to have to reduce exposure,” he said.

But homeowners’ insurance premiums have been rising sharply. They have increased an average 6.33 percent annually between 2002 and 2009, according to the National Association of Insurance Commissioners (NAIC). This year, insurers have asked for rate increases of 18 percent or more in 11 states, according to the Consumer Federation.

Robert Hunter, the author of the consumer report, has questioned whether limit-laden policies are worth the rising costs. But mortgage lenders require homeowners insurance, and anyone who has observed a devastating house fire or storm is unlikely to be willing to go without coverage.

COMPARISON SHOPPING

So how can consumers, who have little choice but to keep their coverage, do as Berger suggests and keep on their toes?

Hunter tells homeowners to shop carefully. “Go on your state’s insurance policy website and look for houses similar to yours to compare prices,” he said.

The NAIC provides a map to all state insurance offices on its website, www.naic.org/state_web_map.htm), and provides information about consumer insurance complaints.

Hunter also recommends checking comparison websites such as insuranceproviders.com (www.insuranceproviders.com) or insweb.com (www.insweb.com) for companies with favorable consumer reviews for in your state.

Another step is to get a professional agent to help, said Jim Donelon, Louisiana’s insurance commissioner and president-elect of the NAIC.

“I recommend you talk to as many people as you can. Get an independent agent — someone who’s not attached to a specific company — and get in touch with captive agents but know that captive agents can only represent their company.”

The agents can check to make sure no important coverage — like wind — has been carved out of the policy.

Compare what the agents offer with what you can find online, said Randy Moses, assistant director with the South Dakota Insurance Department.

Even after getting coverage, consumers may find they need extra help. Lazzari needed both an independent broker and a public adjuster to resolve her case. Her insurer, Norfolk Dedham Insurance, not only initially refused to pay for most of her home repairs, but also planned to drop her as a customer, she said. Francis T. Hegarty Jr., president and CEO of Norfolk & Dedham Group, confirmed her version of events, but said it was not unusual for claims such as Lazzari’s to take time to resolve.

Lazzari contacted an independent broker who worked with Norfolk Dedham to successfully complete her home repairs. But the broker said switching insurers would increase her payments 185 percent. That’s when Lazzari contacted the Massachusetts Division of Insurance to find a public adjuster, who eventually persuaded Norfolk Dedham to keep her on its rolls.

“We were eventually able to work things out with Ms. Lazzari,” said Francis T. Hegarty Jr., president and CEO of Norfolk & Dedham Group. “In these kinds of cases with independent adjusters, the claims tend to get strung out and tend to take longer to resolve than they would otherwise. But cases like case are pretty common and, all in all, we’re pleased with how things turned out with her.”