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Brian Landy, bottom, and neighbor Adam Brothers sort through belongings they pulled from the basement of their apartment building, which was flooded during Superstorm Sandy, Friday, Nov. 2, 2012, in Hoboken, N.J.

This story is reprinted with permission from FC&&S Legal, the industry’s only comprehensive digital resource designed for insurance coverage law professionals. Visit the website to subscribe.

A federal district court in New Jersey has ruled that a garden-level apartment actually was a basement — by .13 inches — for purposes of a standard flood insurance policy issued under the National Flood Insurance Program.

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