Bethany - big hugs to you. Won't your homeowner's insurance cover it? Floods are generally rising waters from either a rainfall event, rivers bursting their banks, oceans kicking up some really wild waves (tsunami). If it's water inside the house, and origniated inside the house, then your homeowners should cover it.
Of course, insurance companies like to find someone else to pay the bill. How else do they afford owning football stadiums.





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