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Following the litigation that ensued from Hurricane Katrina in 2005, the Insurance Services Office (ISO) introduced a water exclusion endorsement in 2008. When ISO revised its commercial property program in 2012 (effective this month), the water exclusion endorsement’s provisions were incorporated into the ISO causes of loss forms.

A review of a question from an FC&S subscriber illustrates some differences between the pre-2008 water exclusion and the current wording in the 2012 editions of the ISO forms.

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