My neighbors home has been vacant for 9 months or more.In Jan. a pipe in their home broke on the second floor no one knew this for a least a week!! It completely filled their basement (7′ of water ). I live down hill from them. Since we had alot and I mean alot of snow I didnt realize the water i seen in my back yard and on my drive was flooding water not melting snow. The excessive water came in my basement and now My walls have begun to bow out I video taped all this when it was discovered. Walls are cracked and now every time it rains even the melting snow my basement gets wet. My home policy dosen’t cover flooding since I live in a high area but dosen’t their’s cover when their property causes damage to someone elses like say a tree falling for example my insurance company told me to contact them they have said they will send someone out. By the way the home owner next door his company denied his claim. He didnt notify them that the house was vacant.