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Just to follow up on a sore spot for me:
Hurricane Sandy was deliberately declassified from a "hurricane" to a "super storm" to allow people in the northeast to claim damages on their homeowners' insurance, since most didn't have hurricane insurance. This was one of the biggest frauds ever perpetuated against the rest of the country that paid insurance.
Technically (nerd hat on here) there are scientific backings for not calling Sandy a Hurricane (even though it started as one) when it made landfall and calling it an extratropical cyclone.
Extratropical cyclone - Wikipedia
Post-tropical cyclone - Wikipedia
Had to do with the latitude its at and the weather surrounding the storm when it hits said latitude. And that terminology started long before Sandy.
Anyway, I think it's far more shady on insurance companies not trying to make payouts by saying "hey, you didn't have hurricane insurance" for something homeowners might only encounter every 30-50 years in that part of the world.