Have you ever read your homeowners #Insurance Policy? Do you know what is excluded? Are you covered for sewer backup? Do you know if your insurance will cover mold damage from a water or sewer backup loss? What if the spring runoff water gets into your home and cause damage? Is that covered by your insurance? Probably not if you do not have a separate flood insurance. Talk to your insurance agent or broker and find out what is covered and what is not.