Insurance coverage for flooding and mold in basement

[Don Jackson]

My tenant moved out without telling anyone. My property manager finally figured it out when they stopped by to check on things and saw that the property was vacant. They went in and said that the property was in decent shape and that they will clean it up and get it rented ASAP.

Three weeks go by and I start asking questions. They finally send someone back out to look at the property again, and this time they tell me the basement had been flooded and there is mold growing up the walls.

I'm not real pleased with how the PM treated things, but now I need to deal with insurance. I talked to my agent and he is telling me:

1) If it is a sewer backup - NOT covered

2) If the tenant left the toilet running and it overflowed onto the carpet, then it might be covered.

Has anyone dealt with insurance on anything like this? What was your experience?

Thanks.