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  1. Always *always* get sewer/drain backup coverage on your homeowners insurance. People don’t realize that you usually cannot successfully sue municipalities when something goes wrong like this. They are immune from almost everything.

    This type of damage to one’s home could be financially ruinous without any “responsibility party” to pay.

  2. here’s the difference between the rich and the poor:


    Rich: omg my house is ruined and the very ground must be purged from existence


    Poor: Tis a minor mess, it can be cleaned up, life continues


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