I have a case where I am trying to determine how coverage would apply. The situation involves a building that has electric meters attached to an exterior wall that is below grade. To access the meters, a retaining wall was built of wood that has a set of steps to get to the meters so they can be read. This area that is below grade has drains that are designed to carry away water that enters this area.

During heavy rains the volume of water was too much for the drains, causing this area in question to accumulate water and saturate the ground. The material from under and behind the retaining wall washed out during the rains causing the wall to collapse.

The adjuster cited several other exclusions form which I would like your opinion. A copy of the denial letter is attached.