We are starting to see an influx of claims where the loss report states the plumbing backed up into the sinks, showers, and/or toilets. Some of these claims have ensuing water damage to the immediate areas (drywall, flooring, etc.) and some with no ensuing loss at all. With or without ensuing loss, coverage remains in question under the DWG and HO policies based on the exclusion and anti-concurrent causation language. Thus, it is very important to ensure we are operating on the proper definition of "backup" and "overflow".
The DWG-E100 (Louisiana Amendatory Endorsement) does not change exclusion A.3 in either policy.
If a drain line in the home fails and causes water to back up through the drain, would this be considered a "back up" or an "overflow"?
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