The insurance is all coverage with exclusions plus an endorsement for systems designed to remove seepage from foundation.
Seepage from the foudnation is excluded to the extent that it exceeds $5,000 coverage udner endorsement.
The house is 100 years old.
I owned the house for 3 years. It was the first time that the basement floor drain was used.
I am not a plumber. I didn't know that the drain was not vented or that it needed to be vented.
The backup sewer endorsement specifically states that overflow from systems designed to remove seepage from foundation is included for up to $5,000 of coverage.
The house has a crawl space under half the house and basement under half the house. Everything in the basement was on pallets, apparently to keep it from coming into contact with seepage from the foundation. The basement had a floor drain. The basement kind of worked like a sump well (words used in endorsement as a system like).
When the seepage from the foundation overwhelmed the drain, the drain overflowed because it was not vented.