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Holding Water - Water Terms Used Within the Homeowners Policy

Water issues are often confusing and involve multiple undefined terms such as plumbing, sewer, drain, overflow, or discharge. This article reviews how the terms are applied in the homeowners policy.

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In the article Holding Water – Definitions Needed to Understand Water Losses, we defined terms commonly used in both the commercial property policy and the homeowners policy. Then in Water Terms Used Within the Commercial Property Policy we explained how those terms are used within the commercial property policy, and what that meant for coverage. This article does the same for the homeowners policy HO 00 03 03 22; it reviews where the terms are found in the policy and how coverage applies.

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Christine G. Barlow, CPCU

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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