“It is great that you are looking to make improvements to your home to prevent future losses! Unfortunately, upgrading the driveway will not be covered under your homeowners policy, and there are few reasons why.
First, standard homeowners policies exclude floods, especially as defined as rainwater accumulating at a rapid pace. And a flood policy wouldn’t cover a gravel driveway because it is not a structure.
Your homeowners policy can provide reimbursement for supplies that are used to prevent further damage to your property at the time of a loss, but it is the nature of a gravel driveway to lose gravel from shifting, so this option would not apply here, either. “