"Chris" wrote

That is not only fact, it is long held policy and one of the first things
you learn in insurance schools.. An axiom of the insurance business is
that if the water comes DOWN you are covered. If the water comes UP you
are not.

--
Sideways?

Sideways is good if it started out higher than the damage.

I have seen some real nits picked on this subject. One example: a water
supply line broke where it enters a house at basement floor level. The
water rose and flooded out the HVAC and everything in the basement.
Coverage denied because it was rising water. OTOH, supply line breaks in
the basement ceiling and floods the HVAC and everything in the basement.
THEN you are covered because the water came from above the damage.

To carry it to extremes, if you could prove that the water came in as a big
wave that crested in the front yard and fell on your house you would be
covered but storm surges and tsunamis don't work like that. They flow
along rising and pushing everything over.

In this case there will have to be some determination of how much damage was
done by wind and how much by the surge. If you have seen aerial pictures of
Gulf Port, that yellow line of framing timber marks the boundary. Everybody
shore side of that line will probably be covered. Those within the debris
field will have to be split between wind and flood damage. Those on the
Gulf side will probably have to file for bankruptcy just as the laws change
to screw them.

--
Glenn Ashmore

I'm building a 45' cutter in strip/composite. Watch my progress (or lack
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