Are you able to identify the source of water intrusion to your home?
If water is running from the base cabinets under the kitchen sink it would be safe to conclude that the source of water intrusion is the sink. However, contrary to this scenario, should flooding occur in an unfinished basement, it'd be difficult to draw a single conclusion as to what the source is.
In many instances (especially those where rainfall totals are high - or large amounts of snow is melting rapidly just outside the building structure) water may enter through a crack somewhere in the foundation. This type of loss is referred to as a "Groundwater loss" in our industry.
Sump pump failure can contribute immensely to these types of losses.
Typically, Groundwater losses are not covered under standard Homeowners Insurance.
TIP: If you have a sump pump in your basement be sure to have a backup power generator in the event you lose power during a Storm. This will keep your sump pump going and may prevent a Groundwater loss!