I don't have flood insurance since area is not flood zone. A huge construction for a school with land, up hill coming down to my house so if raining water come down to my house from that huge land of school. The construction company did not plan good water control pattern for their property and all water pure to my house and was flooded very serious. Even for risk of fire and other problems since water had force, fire station showed up that night while raining and shot the power and asked to leave the house if possible.
My own insurance is not covered by flood as well, this is not a real flood (just a bad plan from construction company hired by public schools). Should I report to my own home insurance and they go after other party or just sue the public school and construction company?