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As an insurance agent and past claim rep I wouldn't own a house with that big of a stairwell.
I have had multiple clients tell stories of seeing water spurt around the door jams and seeing it 2 feet deep on the outside.
Even with adequate drainage all it takes is that little pile of leaves to clog it and your finished basement is wet.
Water coming under the door is not covered by insurance either.
One of my clients who has one that flooded his basement during a huge thunder storm built a rather elaborate cover he deploys that sheds water off to one side.
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