"They expect the insurance company to pay for it so they say to do it all and do it now."

When it comes to flooding, a lot of people find out the hard way that flood damage is not covered by their homeowner's policy. Most people don't have flood insurance unless their mortgage holder insists on it. As far as I know, there is only one company that deals with flood insurance, and that's the NFIP (National Flood Insurance Program).

Sue