Water as Property Not Covered

 January 2, 2014

 We are a firm working for an insurer and handling a commercial property water loss occurring from overflow of a toilet. The insured made a claim for the increase in the water bill for the period of time that the water ran prior to discovery. We have always considered this part of the personal property loss, as once the water passes through the meter, it becomes the insured's property. The insurer advised us to inform the insured that the increase in utility expense is not covered, in accordance with the policy CP 00 10 04 02, A. 2. Property Not Covered, h. Land, water, growing crops or lawns.

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