Good news for us today: Unifund has reconsidered their earlier position and decided that they will cover all of the losses in our basement - structure and possessions.
I'd like to think it was my ominous "We'll see." when the adjustor told me they wouldn't be covering anything but I'm guessing it has more to do with pressure from the government and the stories from the inspectors that most of the basements flooded from beneath simultaneously from above.
We're still going to be flood-hardening the basement, not using it as before and building "up".
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