Overflow is used in the water exclusion but relates to flood, surface water, tides, tidal water or spray, as well as a sewer, drain, and other equipment. This is the only reference to overflow in the policy, so only overflow of sewers, drains, sumps, sump pumps or related equipment is excluded. Caption: Credit: DW labs Incorporated/Shutterstock.com Overflow is used in the water exclusion but relates to flood, surface water, tides, tidal water or spray, as well as a sewer, drain, and other equipment. This is the only reference to overflow in the policy, so only overflow of sewers, drains, sumps, sump pumps or related equipment is excluded. Caption: Credit: DW labs Incorporated/Shutterstock.com

Editor's note: This is the second installment of a four-part series on water losses and claims from FC&S coverage experts. The first piece is available on PC360. The next installment will review how home policies handle these losses and the series concludes with a look at some real-life cases.

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