You didn't have insurance? Why not? You live in a flood zone.
You want answers? Ok, brace yourself...there was ice, there was a thaw, there was a flood. Got it?
I feel bad for you, but not because you got jobbed. You knew where you moved. You knew there was a creek there. You knew you had to have insurance while you had a mortgage, yet ditched it when you didn't...
What kind of answers do you guys want?