Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: Regarding the the ISO Flood Coverage Endorsement Form, CP 00 10 10 12, does the form intend to cover water under the ground surface pressing on, or flowing or seeping through foundations, walls, floors or paved surfaces, basements, doors, windows or other openings? In other words, is it picking up that which would be excluded on the CP 10 30 10 12 exclusion g. water (4)? 

— Minnesota Subscriber

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