Sewer back up or not, covered by insurance
I recently discovered, after a flood in my finished basement of my Condo, that a pipe in the ground under the foundation had collapsed. This was causing any water I used in the house to come back up into the basement. The plumber said it was a collapsed pipe. My insurance agent has told me that they are not responsible for the repairs, because this would be "sewer back up" which requires an additional policy premium and I do not have it. Is a collapsed pipe different from "sewer back up"? I believe it is and this should be covered.