Overflow is used in the water exclusion but relates to flood, surface water, tides, tidal water or spray, as well as a sewer, drain, and other equipment. This is the only reference to overflow in the policy, so only overflow of sewers, drains, sumps, sump pumps or related equipment is excluded. Caption: Credit: DW labs Incorporated/Shutterstock.com
Editor's note: This is the second installment of a four-part series on water losses and claims from FC&S coverage experts. The first piece is available on PC360. The next installment will review how home policies handle these losses and the series concludes with a look at some real-life cases.
In the first part of this series, we defined terms commonly used in both the commercial property policy and the homeowners policy. However, just defining the terms isn't enough to fully understand the coverage. How the terms are used within the policy, and the surrounding language including exclusions and exceptions, is critical to determining whether a given loss will be covered. In this article, we review the terms as found within the ISO CP 10 30 causes of loss special form and explain what that means for coverage.
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