A Jersey City, N.J. man has filed a federal class-action, breach-of-contract lawsuit against a group of nine insurers he says is denying claims based on their flawed definition of a “basement.”

 The named insurance-company defendants—all issuers of flood policies under the “Write Your Own” (WYO) program with the Federal Emergency Management  Agency (FEMA)—are New Jersey Manufacturers (NJM), State Farm, The Hartford, Travelers, Liberty Mutual, Selective, Assurant, Fidelity National and Philadelphia Contributorship.

Patrick Donnelly's specific claim stems from 2011, when he had a flood policy issued under the WYO program by NJM's New Jersey Re-Insurance Co.

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