Insurance 101 – Chapter 4 – Volume 35 – More on the Water Damage Exclusion

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.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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