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Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

Question: We have a homeowners' insurance policyholder (HO-3 5/11) whose yard flooded, which caused the septic system to back up and flood the home. There is some discussion here on coverage and we wanted to get your opinion.

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