The (insurance) company has determined that flooding was the proximate cause of the damage, as it diverted water and put pressure on the sewer line, and listed "flood" as the exclusion. We don't think the claim should be denied based on flooding. (Credit: Ozgur Coskun/Shutterstock.com) The (insurance) company has determined that flooding was the proximate cause of the damage, as it diverted water and put pressure on the sewer line, and listed "flood" as the exclusion. We don't think the claim should be denied based on flooding. (Credit: Ozgur Coskun/Shutterstock.com)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

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Coverage & Policy Issues
Personal Lines