Some areas on ground water have toxic levels of Aresnic and if a Tenant ever decides to sue could own your property.

It supposedly is taking in under ground water?

Also, if another peril (cause of loss), such as wind. causes damage that allows the water in (ie. wind blows roof off so raing damages the interior) then there could be coverage.Any ground water that seeps in, surface water that gets in or damages the structure, or similar are normally insured with a Flood Insurance policy.

The property is/has:7 acre cave20-30 foot ceilingsVehicle accessible (can even take a tractor trailer through it)2 acres in front of the cave that have been cleared and are along a roadMillions of gallons of groundwater (I'm talking enough to canoe on)Located in a medium sized city near a metropolitan areaIf anyone has any suggestions, or would like to know more information, please don't hesitate to message me.

In the other extreme, the area may have chronically high ground water and or low percolating soils and you're fighting it each year.

Prepares offers to purchase or purchase agreements, listing contracts, agencydisclosures, real property residential and agricultural rental agreements, real propertycommercial rental agreements of one year or less, and groundwater hazard statements,including any modifications, amendments, or addendums to these specific documents.

I have one friend who owns a building in Berwyn where there was an under ground water leak.

Air pollution, ground water pollution when it rains on what’s left and it soaks into the ground . . . . .

If you have a flood, busted pipe, ground water, you pretty much just let it dry and maybe go over it with paint and sparkles once a year. 

Rental dwelling policy exclusion does not cover ground water in Virginia.