What is this policy from 1907 that they use to reject claims?

Good luck i hope all of you are made whole. Even the rain (from i believe 2 weeks ago) caused a flood in the basement, albeit not as bad as ida.

In my area, i believe the choice is to close off some sort of gate that prevents flooding the highway. This action ends up flooding the residents instead. This has been happening for years (potentially over a decade) with no end in site as consistent empty promises are made after every occurrence to alleviate the issue. It’s passing the buck down the line every time