More on the Water Damage Exclusion
There is a danger of applying normal, lay reasoning to the interpretation of a policy of insurance. While the exclusion for loss caused by the backup of a public sewer line is unambiguous in most states courts like the court in West Virginia require an adjuster or lawyer representing an insurer to note that its courts now consider the exclusion ambiguous and require insurers to interpret the contract language in favor of the insured and provide coverage for a loss that appears to be excluded by the policy.
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