While it is often said that only two things in life are sure — death and taxes — we’d like to add a third: Confusion over water losses and exclusions. Credit: Leonard/Adobe Stock While it is often said that only two things in life are sure — death and taxes — we’d like to add a third: Confusion over water losses and exclusions. Credit: Leonard/Adobe Stock

Editor’s note: This is the first installment of a four-part series on water losses and claims from FC&S coverage experts. Subsequent installments will review how commercial and home policies handle these losses. The series concludes with a look at some real-life cases.

One of the biggest issues is determining exactly what is covered and what is excluded — the policies use everyday terms such as backup, discharge, and overflow, and plumbing, sewer and drain. But what exactly do these terms mean? Both the HO 00 03 homeowners form and the CP 10 30 commercial property causes of loss form contain these terms without any specific definitions.

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