We are in a real panic situation and would appreciate some advice. On Christmas, our basement got flooded because the sump motor could not keep up with the all the water coming in from the melting snow. We have an Allstate Deluxe Plus Home Insurance policy with the "Sewer Backup" - we called them and after checking our policy they sent in the emergency services (Service Master) the next day... they confirmed that while they may not cover the price of a new motor, they will cover the damages... subsequently, the emergency crew came in and ripped up all the carpet and dry-wall and spent over 4 days with about 35 dryers/de-humidifiers... the basement is now dry but ripped apart... The next day we got a plumber in to replace the motor - even though it was humming we decided to repace it given that it was anyway old. Al along, Allstate has been telling us that they will be covering the replacement of the carpets and the emergency services. An adjustor came in last week and now tells us that our policy (even though it has the additional sewer back-up option) does not cover the results of the damage and that the claim will be denied. We are poring through the policy details now and notice that in (real small letters) it says that the sewer backup covers backups from sewers and drains... is the sump not considered part of this? We are not sure what our options or next steps should be - any advice would be greatly appreciated. Thanks.