You need to work with an insurance boerkr who is used to dealing with these issues. Foreign travel and foreign citizenship are specialized life insurance risks. It will depend on your citizenship, how often and how long you visit, what type of visa you have here, etc. If you are approved without excluding certain territories, it will cover you regardless of where you are.
We think we might have a crack in the foundation. It's midniight and too late to call insurance. We just found a ton of water in our basement and seems it's seeping in from one corner of our basement. May be cracked foundation. Where do we start? Any words of advice? We are thinking we have to take out all basement contents. My basement is fully finished with a sub floor. The water is under the sub floor at the moment but the concrete part is totally wet all under the carpet and sub floor. Help!