X

Thank you for sharing!

Your article was successfully shared with the contacts you provided.

Water is something needed by everyone; people, plants, animals and even the planet need water. Water also is needed in the right amounts; too little water leads to droughts which can lead to loss of crops, wildfires and other things, and too much water causes floods and other damage. Water as a cause of loss is something that can often be confusing as standard policy language deals with flooding, surface water, overflow and backup, with each term having a different meaning. Consequently, coverage varies depending on the determined cause of loss.

Recently heavy rains in Detroit led to flooding, but also led to the failure of sewer systems to handle the water which then led to water backing up through those systems and causing property damage. When that happens, what is the cause of loss—flooding, which as we know is generally excluded; or is it backup of a sewer or drain, which may be covered by the proper form?

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Request a Free Trial today to enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Trusted, quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

FC&S Editors

 

Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Q&A of the Week: When Limits are Exceeded ›

When the at-fault party's limits are exceeded and the injured party's carrier also pays out, how are the at-fault party's funds distributed?

Question of the Week Archive ›

Copyright © 2021 ALM Media Properties, LLC. All Rights Reserved.