I would sure try all three. It would be interesting to know if this type of damage would be covered by insurance at all. The damage is definitely water damage (albeit "frozen" water).
A number of years ago, FEMA attempted to have our shoreline put in the same flood insurance category as the ocean coasts down South that are subject to hurricanes. At that time, they told us that wind blown water from the Lake would not be covered by federal flood insurance. So, they were basically asking people to pay hurricane zone insurance rates to cover events that would not happen here. Needless to say, that did not go over well with shoreline owners here.
The regular homeowners policies would probably not have covered it either since they would have considered it a "flood".
I am going to have to try and track down the folks who own those houses and ask them if there was any insurance coverage for the damage.
