Hello how may I help you? Hi I have a question about my poilicy Sure. What would you like to know about your policy today? I want to know if my policy covers water damage What exactly has been damaged? My basement is flooded I understand. Unfortunately your policy does not cover this kind of water damage. Oh dear. I though it would. It appears that if you payed for a higher premium it would, but in this case.. Nothing at all is covered. Ok thanks for letting me know You're welcome!