USAA Home owner's insurance

James D. Richardson

2551 Chatsworth Drive

Elizabethtown, KY 42701

I understand thousands of homeowners have property near or inside

flood plains and don't have flood insurance. I have a separate problem;

We are nowhere near a flood plain, however, had 5 inches of rain in one hour

this past weekend. In fact our county was declared a disaster area. My

wife and I were both away during the storm. Local electricity was out for

several hours and apparently our sump pumps (2) went to battery back-up and

exhausted the batteries before the electricity was back on. We received an

inch of water throughout our finished/carpeted basement. Once phone service

was reestablished the next day, Sat., 23 SEP. my wife contacted USAA and

informed them of the above. Today, Tuesday, 26 SEP., I had still not been

contacted by an adjustor. I called USAA and was given the phone number for

my adjustor where I was required to leave a voice mail, and finally received

a return call only to be told we were not covered by flood insurance. I

explained the above and was told I should have had a sewer/sump pump back up

amendment on my policy to be covered!

My wife and I (53 year olds) cut and removed all the carpet and pad

and luckily I can afford, through personal savings) to cover the loss.