Ground water is something that is not normally covered under a homeowners policy. We have seen cases where the water goes down the downspout and hits the ground and then enters the home and the claim is denied by the insurance company, we have seen water flooding from nearby ground entering the home and this is not generally covered. Rising water from creeks due to flooding is not something that is normally covered.
Be sure to get a clear determination from your insurance company to see if your particular loss is covered. In this way you will know if you have to pay for the repairs or if the insurance company will be funding the repairs.
Donn Peacock
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