Insurance Coverage Q&A: Backups, Overflows, Sewers and Drains
We are starting to see an influx of claims where the loss report states the plumbing backed up into the sinks, showers, and/or toilets. Some of these claims…
March 27, 2023 at 05:29 AM
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We are starting to see an influx of claims where the loss report states the plumbing backed up into the sinks, showers, and/or toilets. Some of these claims have ensuing water damage to the immediate areas (drywall, flooring, etc.) and some with no ensuing loss at all. With or without ensuing loss, coverage remains in question under the DWG and HO policies based on the exclusion and anti-concurrent causation language. Thus, it is very important to ensure we are operating on the proper definition of “backup” and “overflow”.
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Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines.
Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.
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