Mud/Rock Slide in Idaho

[Gman]

I'm not sure why insurance wouldn't cover water coming into the basement from the outside.

... but life is what happens when you make plans.

ETA: I have to wonder if there will be more appreciation for what you took care of in the relationship after you're gone.

[Irving]

Because ground water is specifically excluded. In every policy I've ever read anyway.

[Gman]

If the water hit the ground from heavy rainfall and then intruded into the home, how does that make it "ground water"?

[Irving]

You already answered that in your question.

[Gman]

Storm runoff is different from "ground water".

Surface Water Exclusions in the Homeowners Policy

Managing the Risks of Groundwater Damage

[Irving]

That's good, but not applicable to this situation. May be coverage for landslide, but that's out of the scope of my direct experience.

As the the very specific situation that you posted, each state handles those issues differently. Some states, if you regrade your yard in a manner that floods your neighbors, you are liable for the damage (still not necessarily covered by insurance), other states tell you it's your neighbor's problem.