Juan Ramos’s wife, Maria, became concerned after a violent storm caused disastrous flooding in a community not too far down the river from where their house was located. She felt comforted when her husband told her that they were fully protected against flooding by their homeowner’s insurance policy. The following spring, a flood caused serious damage to their home, and Juan’s insurance agent told him that his homeowner’s policy did not cover flood damage. What recourse do the Ramoses have against the insurance company?