Report back on this.... Hugely interested to know. I'd even pay 100 to switch. Mine are less than 6 months old.

Your are not correct. I’m just attempting to help you.

There are millions of people who would disagree with you.

There are now private markets for flood insurance that use the same policy [language] as the National Flood Insurance Program (NFIP).

Carrier won’t replace what you were working on, but will cover the resulting damage (pipe isn't covered but water damage would be). Key is sudden and accidental. If it’s a maintenance issue (damage occurred over time) or purposefully done (in a fit of rage you trash your house), you’re probably going to have some…