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I just have to say.. I live in a flood zone, am required to purchase flood insurance at the cost of $1200 per year, and it doesn't cover anything in the basement except the washer, dryer, furnace and hot water heater (expected items to be in a basement). So, I do ask that question often, because if there was a flood, which part of the house would get ruined without a doubt??? The BASEMENT! The insurance industry is truly insane.
Dee
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