Our client, under a commercial policy, suffered water damage to a condo unit after a torrential downpour, which also damaged a culvert, possibly directing water into drainage systems within the condo complex.

The site work completed on these units diverts water from the units downhill away from each unit into a fire pond/water runoff pond. With this particular unit there is a drainage pipe a few feet from the front door, which picks up any water flow and diverts it to the pond below.

After investigating the loss, it was determined that where this drainage pipe meets the pond, a large boulder had crushed or collapsed the pipe, not allowing free flow of this water.