I love cloudy/rainy/windy days simply because I have fished them alot and learned alot that others dont take the time to learn. On rainy cloudy days I really like suspending jerk baits...Especially the Rapala Husky Jerk in silver on most water. I fish them in about 8 feet of water with quick jerks not moving the bait fast forward but keeping it in constant motion. I also like spinnerbaits when there is a good overcast. I look for spots where very shallow water drops quickly into deeper water. I cast into the shallow and reel the spinner slowly down the drop. I also love the Senko, cotton candy in clearer water and junebug in stained water. I use them with a 1/16 ounce bullet sinker and fish them in the same spots I fish the spinner. On some of these days your best weapon will be simply your mental attitude and persistance in finding and catching these fish.
As for cover...Well if the area is clean the fish will be around cover but not tight to it. If the rain causes a runoff and stirs up muck in the water the bass will relate to the cover very tightly. When there sight is impaired by dirty water the bass find securtity in cover. Dropping texas rigged senkos or ribbon tails on them with a quiet presentation can be deadly if the water is stained or muddy due to the rain.
I hope I have given you some useful tips and good luck buddy.