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Storm surge. As a hurricane closes the gap between sea and land, its winds push a huge volume of ocean water ashore, which is a storm surge. (Photo: Shutterstock)

The standard ISO property, homeowners and dwelling coverage forms each contain a water exclusion that extends to exclude loss caused by storm surge. It seems that recent hurricane paths have come further inland and resulted in an inordinate amount of flood loss. How can one determine if a loss in an inland area is from flooded rainwater or a storm surge?

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Karen Sorrell

PropertyCasualty360

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