Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here! Question: We have a homeowners' insurance policyholder (HO-3 5/11) whose yard flooded, which caused the septic system to back up and flood the home. There is some discussion here on coverage and we wanted to get your opinion.— Virginia Subscriber