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？