Remember storm drains are those that carry water away from a street, parking lot, etc. In order for coverage to apply here, water would need to originate from a storm drain off the premises that discharges or overflows and causes mold or fungus to grow hidden behind the walls/floors/ceilings of the premises. Credit: Petra Richli/Adobe Stock Remember storm drains are those that carry water away from a street, parking lot, etc. In order for coverage to apply here, water would need to originate from a storm drain off the premises that discharges or overflows and causes mold or fungus to grow hidden behind the walls/floors/ceilings of the premises. Credit: Petra Richli/Adobe Stock

Editor's note: This is the third installment of a four-part series on water losses and claims from FC&S coverage experts. The first piece is available here, and the second installment is here. The series will conclude with a look at some real-life cases.

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