I was curious about this. Took a look on Google Earth.
It appears that this refers to the embankment just to the east of the ark, and not where the creek is (bridge crossing)... good luck with a flood claim is ther is no creek. The 4/2018 image implies where the failure was cracking in the pavement. There is surface drainage installed running to what appears to be the toe of the embankment slope (not a great idea)
Groundwater might have been an issue, but I doubt it was stormwater (surface), unless they successfully managed to divert their stormwater straight along the toe of the slope they made. More likely the failure was due to crappy layback and/or not stepping in a side hill fill. This is shown as being likely true due to the 2/2020 image slowing the embankment toe being much further down, which means the slope is likely shallower than it was in the 4/2017 image. All of this is likely why the insurance company told them to feck off.
Sadly, this wasn't an Act of God, but an act of cheapo design/contracting, and not having Jesus signing off on the plans.