Insurance check up

I work on-call with the federal government doing damage assesments following natural disasters. This is the season when I review water damage. I see home after home where the owners thought they were fully covered only to find out they have zero coverage.
When water enters your home, HOW it got there is critical to your coverage. If it seeps in because the sump pump broke, could not keep up or had no power you may not be covered. If the floor drain backs up and lets sewerage into your home, you may not be covered. Check your policy or call your agent to be sure you have coverage for these types of common occurrences.
If your yard does not drain away properly or maybe your neighbor's yard drains towards your home you probably are not covered. When a severe storm hits the run off will be more than normal. If the water breaks a window or finds another way in, it is overland run off and that is not covered under most policies.
Is there a river or stream anywhere near your home? Rising water/flood is not covered under your typical policy. You may need to buy flood insurance under the federal program. Your agent can help you buy this coverage.
Recently I heard of a neighborhood lake that has not been maintained for the past 40 years and the owner does not have the hundreds of thousands of dollars needed to fix the dam. The owner does not have the liability coverage or assets to fix the damage if the dam fails. There are 25 homes below the dam that are at risk of flooding and have no coverage unless they buy flood insurance on their own. No one advised them or their insurance companies of the risk. The only ones who are certain to have any protection are the ones who bought flood insurance.