[jrdavid68]

I have kept my parents house in Iowa and am currently renting it to a long time family friend. It is located in a town that fortunately has not had a tornado, but there has been water and sewage backup in the basement. I do have an Aunt (she is fine) that lost her house in the Parkersburg tornado.

I have a rental policy on the house, but sewage backup and water issues are not covered - not even an option with State Farm for a rental.

It's not going to be that big of a deal to get this one cleaned up, but I'm wondering if it's time to shop for another home ins. co., or if this is a typical thing rental owners have to deal with.

Anyone have similar experiences?