A property owner suffers a devastating flood, makes the panicked call to their insurer, and is told the policy does not cover “overland flooding,” or that the sewer-backup limit falls far short of the repair bill. For many that is the end of the road. But a denial can be a clue that the real problem is not the rain at all, but a construction defect in how the home was built, and that opens a very different path to recovery.