On the ISO Flood Coverage Endorsement Form, CP 00 10 10 12,

​Does the form intend to cover:

​Water under the ground surface pressing on, or flowing or seeping through:  foundations, Walls, Floors, or paved surfaces, Basements, doors, windows or other openings. 

That is, is it picking up that which would be excluded on the CP 10 30 10 12 exclusion g. water (4)? 

Minnesota Subscriber

The coverage provided under CP 10 65 does not cover everything that is excluded under g. Water (4) of CP 10 30 10 12. The flood coverage endorsement does not provide coverage for water under the ground that seeps through doors, windows or other openings. Also, under the definition for Water damage in CP 10 30, it specifically states that …”there is no coverage for loss or damage caused by or related to weather-induced flooding which follows or is exacerbated by pipe breakage or cracking attributable to wear and tear”. There is no coverage provision within CP 10 65 that would provide coverage for this type of situation. 

Since there is no definition of 'flood' in either of these forms, the courts would rely on the standard definition. In relation to your question, Merriam Webster defines flood as follows:

1. a rising and overflowing of a body of water especially onto normally dry land; a condition of overflowing; 

2. the flowing in of the tide …

With respect to general flooding, coverage is for water that has overflowed its confines and as such, the water that enters in below the lowest basement floor or the subsurface of the ground should be covered.