This might be off-topic, but I wasn't sure of a better place to post it.
Last Xmas our sump pump failed and as the result our basement got flooded. The damage was not that extensive: we had to remove carpeting from basement bedrooms and throw our miscellaneous junk that got damaged by water. We did not file an insurance claim at that time. It appears now, however, that there is longer term damage: our basement have had a fairly strong meldewy smell for a couple of months.
Can we still file a claim now? We live in MD in a Wash DC suburb.
Check with your insurance company. You can always file a claim, whether they will honor it is totally a function of the specific wording of your policy. By the way, have you read your policy? Most policies specifically exclude groundwater, and unless you have flood insurance, probably exclude surface flooding as well, but it is certainly worth checking.