I sent a letter to the City Insurance people explaining that the water in my house was not caused by a plugged pipe (did I really argue against that?) but by bad engineering years ago, so that if there was a problem the water had no place to go but into my house. My point is that had they modified it correctly water would have run, harmlessly, down the street and caused no problems.
When the modification was made years ago, I was told it was for my protection.
My verdict: bad engineering!
Insurance company said it was actually easier for them with the city out of the way, that they would go after the city later.
Sounds good, but nothing that the bank will accept on my account!