Wind-vs.-water.JPGLouisiana insurers breathed a sigh of relief last week when the 5th U.S. Circuit Court of Appeals upheld their flood exclusions, ruling that just because damage in New Orleans following Hurricane Katrina might have been caused in part by a human failure to maintain adequate levees, that did not mean carriers were on the hook for coverage. The legal maneuver was clever, but it was clearly a stretch, and thankfully for carriers, common sense prevailed in court for a change.

(For full coverage of the decision, click here, and for the industry’s reaction, click here.)

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