Cowgirl
Well-Known Member
We got massive amounts of rain in a short time early Sunday morning, and of course our sump pump failed. Basement flooded (only 2", thank goodness) and insurance is covering it. We have to pay the deductible and our rates will go up, but our agent just told my husband that if the claims rep determines it was caused by an act of nature, our rates will not go up (but we still pay the deductible). I'm just confused about that, because if I tell them the rain came in through the cellar door, will they say that was a flood? It clearly was not a flood, it was just rain from downspouts. Should I tell him I don't know where the water came from? :shrug: Or should I just say it came from the door and it only caused damage because the sump pump failed? :shrug: