Funny my water well collapsed, and I called homeowners was not surprised when they said it was not covered. A friend of mine went ballistic, said "thats bullshit call a public adjuster" I know one personally texted him in front of the gay and the adjuster said "no damage? not covered" anyway still waiting ion the driller to come out. i had the estimate and the money quicker than anything. The driller was like "15 grand" I said lets do it, I think he wasn't expecting that ...