Flood insurance
When we lived in the midwest our house was a split-level with a bedroom, family room and laundry area downstairs. The downstairs door opened outside to a small stairwell. The neighbor's downspout faced the stairwell. While we were at work a heavy rain storm filled the stairwell with water (there was a drain but it became clogged with leaves). The water came under the door and flooded the downstairs soaking all the carpeting. The insurance company said it was a flood and paid nothing. Lesson learned...
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