I spoke with my insurance company and my flood insurance only covers back up
or overflow of sewer and/or sump. Damage from water sitting outside and
causing pressure on the walls is NOT covered on any part of my Homeowners
Insurance. There is not even a policy on it that I can purchase.

ng_reader wrote:
To answer your point, though, not really.

You may have some recourse with whomever sold you flood insurance that caps
at $5000.

Although that plan likely covers only the dwelling and not the contents, but
you try and hire a contractor to build you a new home for 5k. Not bloody
likely. So - you are UNDER insured.

The rule of thumb in insurance is rising water is not covered, falling water
IS. The opposite for flood.

HTH

I have lived in my home for 6 years. When I bought the home, one of the
biggest selling points was the dry basement. Neither the street I live on
[quoted text clipped - 41 lines]

Where do you live?