I have a natural spring that runs through a drain system in my basement. It drains to a sump pit and is sucked up and pushed out to the municipal sewer. My sump pump died and the drain backed up and water started coming out. This morning there was 14-18 inches water in the entire basement. I have an endorsement on my insurance that states "We pay up to $2,500 for direct physical loss to covered property caused by water which backs up through sewers or drains." The only thing that is listed that nullifies the endorsement is negligence. So I called the insurance claim person and started to explain what happened. She said, oh, your the 3rd call today, everyone has water leaking into their basements. It's not covered. So I told her explicitly that the water was not leaking or seeping in the basement, that I had had an inspection 2 years ago and an appriasal 2 weeks ago and neither came up with any water issues. I explained the drainage system and exactly what happened. She talked with the manager and they are going to send an adjuster. So, I'm out a water heater, possibly a washer and dryer (they told me to wait a week to try them out) and a whole bunch of clothing. I'm hoping that they inturrpert this the way I do. The way I look at it is that it's water and it became backed up through a drain. Anyone with a similar problem dealt with their insurance? How did it go? Also, our monthly "dump day" is Wednesday. I would love to get rid of these clothes and other ruined items then if I could. Do I have to wait for the adjuster to come or would an itemized description and pictures work? I set everything out in lots, like all t-shirts, all pants, all cami's and tank tops and srubs and took pictures. The lighter coloered peices show significant discoloring.