September 2010 Dec Page

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Question of the Month

 

A standard feature of property insurance forms is the exclusion of various categories of loss associated with water. The water exclusion clause in the commercial property program of the Insurance Services Office (ISO) and in the ISO homeowners policy excludes loss caused by flood, surface water, water that backs up from a sewer or drain, and water under the ground surface. The language of the water exclusion clauses has raised many questions and has been the source of many coverage disputes between the insured and the insurer.

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