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Flood Was Excluded In Nationwide's HO Policy, Mississippi Judge Rules

Insurers claim victory in first post-Katrina wind vs. water trial although judge says some words

By Steven Tuckey | Updated on August 20, 2006

The first post-Katrina trial over the flood exclusion in a homeowners policy ended with insurance groups proclaiming victory last week. U.S. District Judge L.T. Senter ruled that the great majority of damage to a Mississippi home was caused by flood, and therefore was not covered under the terms of a homeowner policy written by Nationwide Mutual Insurance Company.

“There is no evidence to support the finding that this insurance contract should be reformed,” wrote Judge Senter in his opinion in the bench trial of Paul Leonard and Julie Leonard vs. Nationwide.

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