In the summer of 2020, Amanda Daniels found herself, for the third time,
in a flooded apartment that she rented in Chicago. Over the past five years,
Daniels had lost $10,000 worth of personal belongings and rented three
separate apartments that she learned, too little too late, were prone to
flooding during storms. None of Daniels’ landlords alerted her to the
possibility that those rentals might flood, and she could not recoup her losses,
as her general renters’ insurance did not cover flood damage.