No. Describe what happened accurately, including where water originated and how it entered; do not guess or change the description to fit a policy. A burst pipe, sewer backup, foundation seepage and an overland flood can fall under different coverage or exclusions. NFIP flood coverage uses a defined flood event, generally affecting at least two acres or two properties, including yours. Homeowners coverage generally excludes flooding, and backup protection may require an endorsement. Neither policy should be assumed to cover ordinary seepage. Ask the insurer to explain the applicable wording.
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