How is your homeowner's insurance for flooding?
Home owners insurance does not cover flooding at all, only sewer back up. You can only get flood insurance form the Federally subsidized flood insurance program. They do not cover basements for flooding, only the electric panel, water heater and furnace if it is below ground, as these can not be removed.
I sympathize as I have had basement trouble in every home I have had. In Canada we had a ground water flood, that was not too bad. Then we moved to the Red River Valley, and had a basement flood almost up to the floor joist just 3 months after moving in.
Then we had the the Great Red River Flood of 1997. I built a massive dike all round the house. It nearly got topped. We had pumps everywhere. We got away with minimal water damage. I organized a massive community project in my neighborhood. The daft city engineer made fun of me on the radio! We only lost two homes. One because the owner did nothing and laughed at us. He had severe damage, and we lost a basement because a floor drain plug came out.
Then the hospital decided to hire the idiot city engineer. As clinic building chairman that was a real thorn in my side. Dealing with someone pig dribble stupid who lacks judgement is really tedious.
Then at the lake we only had about two feet of the back of the house below ground, and we still had trouble. Before the frost came out of the ground each year the snow run off would seep into one corner. I ended up having to go a big sump project with a pump.
So I made absolutely sure I built this house without a basement! I think with heavy rain fall events everywhere, basements should be against code in new construction now.
So I really do sympathize with you Mpsafranski. I know what you are going through. It is not fun at all.