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The (insurance) company has determined that flooding was the proximate cause of the damage, as it diverted water and put pressure on the sewer line, and listed "flood" as the exclusion. We don't think the claim should be denied based on flooding. (Credit: Ozgur Coskun/Shutterstock.com) The (insurance) company has determined that flooding was the proximate cause of the damage, as it diverted water and put pressure on the sewer line, and listed “flood” as the exclusion. We don’t think the claim should be denied based on flooding. (Credit: Ozgur Coskun/Shutterstock.com)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: One of the most important parts of any insurance policy is the definitions section. Certain terms are defined so that it is clear to the insured what the carrier means when it uses certain terms. Likewise, policy language is at times very specific as to how and when coverage applies. Not every carrier uses the same definitions for terms, and it is important to be sure when dealing with any given policy that you are working within the terms of that specific policy and the wording of how coverage applies.

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