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SECURITY-WIDEFIELD, COLO. -- Since the Waldo Canyon Fire, there has been a lot of talk about flooding in regard to mudslides, but not much has been said about the other types of flooding, including groundwater from rain.

The Gonzalez family lives in the Security-Widefield area near Bradley Road and Grinnell Street.

Last Monday, July 30, the family's basement flooded during a rainstorm.

It was the same storm that also caused flash flooding in Manitou and mudslides on Highway 24. 

Carlos Gonzalez said the water backed up in his yard, an filled one of his window wells to the top.

"Within minutes something drained in one of the yards and it filled up as far as it could go," Gonzalez said.

Eventually the glass gave way, and water and mud rushed into his home.

Now, more than a week later, all that remains in Gonzalez's 1,000 square foot basement are some fans, debris and a ten-inch high water line.

"The mud came through and pushed its way into the house, all the way to the bedroom," he said.

Panicked, Gonzalez said he pulled out his homeowner's policy only to find it does not cover flooding caused by groundwater or mud flow.

"If a pipe broke from a sewer line, or a pipe broke from a sink or a washer or dryer and the basement filled up, then that would be covered," Gonzalez said.

"This is nationwide, homeowner's policies do not cover flood," AllState Agent Tamie Farris said. "It is the major exclusion in a homeowner's policy, and it has been that way for quite a long time."

Farris said homeowners who qualify, have to purchase a policy from the National Flood Insurance Program.

"Most homeowners do not have it," Farris said. "However flood is the major catastrophic event in the U.S. every year in every state."

In addition Farris said most flood damage occurs in moderate to low risk areas, which is why Gonzalez wants others to hear his story and learn from it.

"If one person looks at their policy, you will be interested to see what is covered and what is not," he said.

If you have questions Farris said the best thing to do is call your agent for clarification.

She said they also might be able to get you set up with the National Flood Insurance Program.