Always strive to learn something useful. --Sophocles

I had not realized 'flood' as in rising waters and 'flood' as in broken plumbing were covered by the same clause. That explains why the mortgaging bank wanted flood insurance on my mother's house even though it was located on the top of a hill. We used to joke that if that house were ever flooded by the river rising from below, we'd need a new Ark.