2. Which enters into and overflows from within a sump pump, sump pump well or other type of system designed to remove subsurface water which is drained from the foundation area."

The insured has a basement window with a window well that contains a thick layer of pea gravel for drainage. Our argument is that this is not "a system designed to remove subsurface water" and coverage would not apply if water accumulates and runs through the window, or even through the foundation area. What is your opinion?

Arizona Subscriber

The purpose of a window well is to let light and air into the basement, as well as serve as a way out in event of emergency. If a window well was part of the drainage system, it would have to drain somewhere else. It is not part of the plumbing or sump system; it is a window well, pure and simple.