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able to determine action deﬁning liability associated with basement associated with ﬂooding associated with resolving avoid basement ﬂooding backup of sewer basement backups Basement Flooding Protection claimants Clair County Components continued and improved Council of Governments current legal framework damages when ﬂooding deﬁning municipal liability essential if insurance exposure for claims ﬁrst ﬂooding damage ﬂooding does occur Flooding Protection Program implement improved insurance protection Improvement November 2000 insurance available insurance issues insurance premiums Insurance Protection November issues related judgement levies leaves insurance providers Legislation deﬁning municipal legislative action deﬁning liability for basement Liability Insurance ln addition municipal risk management municipalities are accountable negligent/responsible for property protect property owners protection for basement protection when ﬂooding providing remuneration reasonable ﬁxes reasonably estimate exposure related to insurance SEMCOG sewer backup Sewer System Improvement signiﬁcant costs associated Southeast Michigan Council System Improvement November taxes through judgement technical ﬁxes type of insurance Vice Chairperson