You also could do an "Above and Beyond Requirements" inquiry in the local neighborhood. Knock on a few neighbors' doors, tell them you're an appraiser (card shown), and that you saw an abundance of water under their neighbors house. So, you were wondering if they have the same problem and would they like for you to check. Then, you would have several close by similar locale areas for documentation in your report. "Such and such address to the north, south, east, or west has similar standing water from the heavy rains and this owner or that owner indicated it is (or it is not) a common reoccurance." But, like I said; it is still there and has to be addressed in the report about curing it.