Will Home Insurance cover basement flooding because the sewer pipe wasn't hooked up?

The City didn't come they said it effects our personal property so they are not touching it. Also, we didn't know this, but because our basement has flooded so many times, it has been infected with sewer water and all the germs that comes with it. Who pays for all this? We really do not have the money :( The insurance company said that they will help with part of the plumber's fee. We have to dig out the front yard now to find the sewer line.

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