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Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

Question: The insured owns an office building with a basement. A water main ruptured directly under the basement floor. The water caused the basement floor to heave, and the basement filled up with several feet of water overnight. The policy is a BP 00 02 12 99.

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