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Insurance Coverage Q&A: A Retaining Wall and Water Accumulation

Water behind a retaining wall causes it to collapse. Could the failure of drains to remove the water make this a water backup situation?

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I have a case where I am trying to determine how coverage would apply. The situation involves a building that has electric meters attached to an exterior wall that is below grade. To access the meters, a retaining wall was built of wood that has a set of steps to get to the meters so they can be read. This area that is below grade has drains that are designed to carry away water that enters this area.

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Water behind a retaining wall causes it to collapse. Could the failure of drains to remove the water make this a water backup situation?

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