Ida flooding in PA - basement claims

Hurricane Ida remnants flooded our basement in the Philly suburbs. Ended up being one of the worst floods in our areas history.

Pennsylvania specific things I learned: 1) PA doesnt require sewer backup coverage but you NEED it. 2) State has a disaster relief program that can supplement insurance. 3) PA insurance department is actually helpful - they mediated our dispute. 4) If flood comes through a window or door its often covered as "water damage" not flood. Our claim was approved as surface water intrusion not flood, which mattered a lot.