Insurance Claim Water Damage?

Hi,

I was driving my vehicle one day. As I was driving, all the lights on the dash came on and my car stalled. Had car towed to dealership thinking it was a batter issue. Turns out I have severe water damage which was a complete and utter shock.

The tech found almost a foot of water in/underneath the car. I had no smells in the vehicle, no signs of water, nothing! They told me the water drainage pipe is broken which causes all the damage. I promptly filed an auto insurance claim.

I was informed that this might be my responsibility as this is maintenance. If the sun roof was clogged with debris (which it never was) this would have the caused the pipe to "back up" which isn't the insurance co's responsibility.

This is so surreal to me. I just brought my car in for scheduled service, and everything was fine. I had no signs there was something wrong with my car until it gave out. I took really good care of my car, and really, I hardly ever drive it.Do I have any recourse? Any suggestions is greatly appreciated.
Please help.

Thanks!

I didn't find the right solution from the Internet.

References:http://www.city-data.com/forum/car-insurance/2820628-insurance-claim-water-damage.html

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