We have an HO-3 (5/11) Policy where the yard to the insured risk flooded causing the septic system to back up and flood the home. There is some discussion here on coverage and we wanted to get your opinion.

Virginia Subscriber

You don't mention if the policy has the water backup endorsement. On the HO 00 03 05 11, water that backs up through sewers or drains is excluded, and that exclusion is preceded by anticoncurrent causation language.

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