Carrier denial letter, The carrier denial letter stated: "We have determined that any water damage was due to the presence of water over an extended period of time, which is excluded from coverage." Credit: Leonard/Adobe Stock

PC360 editor's note: Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions.

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