应该跟保险公司打官司吗？

有一个出租房，sump pump 通往外面的水管爆裂导致地下室被淹。

Insurance company said they won't cover it due to this clause:

Losses We Do Not Cover Under Coverages A and B:
A. We do not cover loss to the property described in Dwelling Protection–Coverage A or Other Structures Protection–Coverage B consisting of or caused by:

1. Flood, including, but not limited to, surface water, waves, tidal water or overflow of any body of water, or spray from any of these, whether or not driven by wind.
2. Water or any other substance that backs up through sewers or drains.
3. Water or any other substance that overflows from a sump pump, sump pump well or other system designed for the removal of subsurface water which is drained from a foundation area of a structure.

想问一下保险公司该不该赔？需要打官司吗？

所有跟帖： 

• You can always try.... -borisg- ♂ (95 bytes) () 02/06/2019 postreply 11:11:42

• 我说得比你好：这是房客的权利。 -sweetptt- ♂ (62 bytes) () 02/06/2019 postreply 11:21:16

• and your lawyer will always bill... -柠檬椰子汁- ♂ (0 bytes) () 02/06/2019 postreply 11:22:45

• 结果从来没人真告过我。。。 -borisg- ♂ (0 bytes) () 02/06/2019 postreply 11:26:25

• Not covered because -柠檬椰子汁- ♂ (348 bytes) () 02/06/2019 postreply 11:20:48

• 读完这句话让我有点儿接不上气儿来。也许最近气短。 -毛人- ♂ (0 bytes) () 02/06/2019 postreply 12:50:35

• basement backup需要买endorsement。没买不cover -sweetptt- ♂ (0 bytes) () 02/06/2019 postreply 11:22:05

• basement flooding coverage needs to buy separately. -FollowNature- ♂ (0 bytes) () 02/06/2019 postreply 11:44:55

• 打。下雨打孩子，不打白不打 -山高路远- ♂ (0 bytes) () 02/06/2019 postreply 11:58:45

• 这个你赢不了 -越王剑- ♂ (0 bytes) () 02/06/2019 postreply 12:14:18

• 记得flood保险要额外买 -新年好运- ♀ (0 bytes) () 02/06/2019 postreply 12:52:41

• 应该赔偿的，经历过朋友赔偿地毯更换 -如醉如痴- ♂ (0 bytes) () 02/06/2019 postreply 15:52:57

• 我邻居游山玩水忘了关水龙头，保险公司包他们旅馆全屋更换地毯 -如醉如痴- ♂ (0 bytes) () 02/06/2019 postreply 15:54:59

• 以后保费涨吗？也许他们买了flood险？ -新年好运- ♀ (0 bytes) () 02/06/2019 postreply 18:09:42

• 我家的sump pump 坏了是cover了的，你这是水管坏了也应该cover。这跟flooding不一样吧。 -Peewee- ♀ (0 bytes) () 02/06/2019 postreply 21:34:01

• 我们的保险是不cover flodding的 -Peewee- ♀ (0 bytes) () 02/06/2019 postreply 21:35:35

• 你是设备坏，不可控的，保险公司当然赔；这里的水管爆裂，可能sump pump安装不规范，人为的 -Yummy2000- ♂ (0 bytes) () 02/07/2019 postreply 06:25:10

• 地面水进入basement，保险公司不管，要卖额外flooding保险。 另外，地震险也要单独买。 -Yummy2000- ♂ (0 bytes) () 02/07/2019 postreply 06:19:49

• 是sump pump没有安装好？（找安装公司，他们有保险） 还是停电？（这个保险公司可能会赔） -Yummy2000- ♂ (0 bytes) () 02/07/2019 postreply 06:22:50

• 如果专业公司安装，家里暖气正常， 水管不可能冻住。只有停电这种情况，家里没有暖气了。 -Yummy2000- ♂ (0 bytes) () 02/07/2019 postreply 06:27:40

• 你可以争辩，是天气导致水管爆裂，还不是水倒灌。 -一品- ♂ (0 bytes) () 02/07/2019 postreply 16:48:49