Oh my sorry to hear that. I had my basement flood this spring after living there 10 years and not one stitch of water. Turns out the main sewer line was clogged and I didn't have a Y in the pipe for a snake out, and insurance wouldn't cover either. TICKS me off to no end, but if I paid an extra $200.00 per year for the last 10 years I would have been covered for sewer back up. errrrrrrrrrr