{"id":896741,"date":"2019-11-21T12:35:15","date_gmt":"2019-11-21T19:35:15","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=896741"},"modified":"2019-11-21T12:35:21","modified_gmt":"2019-11-21T19:35:21","slug":"is-all-damage-caused-by-water-infiltration-excluded","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/is-all-damage-caused-by-water-infiltration-excluded\/","title":{"rendered":"Is All Damage Caused By Sewage or Water Infiltration Excluded By My Homeowners Insurance Policy?"},"content":{"rendered":"\n<p>Paul LaSalle | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2019\/11\/articles\/insurance\/is-all-damage-caused-by-sewage-or-water-infiltration-excluded-by-my-homeowners-insurance-policy\/\">Property Insurance Coverage Law Blog<\/a> | November 13, 2019<\/p>\n\n\n\n<p>Homeowners insurance policies ordinarily exclude losses caused by water or sewage which backs up through sewers or drains. Does it follow that all water or sewage that infiltrates a home through sewers or drains constitutes excluded back up?<\/p>\n\n\n\n<p>In\u00a0<em>Windows v. Eerie Insurance Exchange<\/em>,<sup>1<\/sup>\u00a0insureds brought an action against their homeowners insurer to recover for breach of contract after the insurer denied a claim for losses caused by an infiltration of raw sewage and water into the insureds\u2019 home. The insurer maintained that the policy\u2019s exclusion for water damage precluded coverage because the backup of sewage and water through the sewer system and drain in the insureds\u2019 basement caused or contributed to the insureds\u2019 losses. According to the insurer, a \u201cback up\u201d under the policy occurs whenever water or sewage, regardless of its origination, flows into a dwelling through drains or pipes that normally carry such effluent out of the premises. The insureds contended that water or sewage \u201cbacks up\u201d only when it returns to the premises from whence it came.<\/p>\n\n\n\n<p>Ultimately, the court disagreed with the insurer and held that the exclusion for losses caused by water or sewage which backs up through sewers or drains was ambiguous as to whether \u201cback up\u201d referred to water or sewage returning to the premises or simply flowing in the opposition direction. The court ruled the insurer failed to meet its burden that the exclusion unambiguously precluded coverage for the insureds\u2019 losses.<\/p>\n\n\n\n<p>____________________<br><sup>1<\/sup>\u00a0<em>Windows v. Erie Ins. Exch.<\/em>, 161 A.3d 953 (Pa. Super. Ct. 2017).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paul LaSalle | Property Insurance Coverage Law Blog | November 13, 2019 Homeowners insurance policies ordinarily exclude losses caused by water or sewage which backs up through sewers or drains. Does it follow that all water or sewage that infiltrates a home through sewers or drains constitutes excluded back up? In\u00a0Windows v. Eerie Insurance Exchange,1\u00a0insureds&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/is-all-damage-caused-by-water-infiltration-excluded\/\">Continue reading <span class=\"screen-reader-text\">Is All Damage Caused By Sewage or Water Infiltration Excluded By My Homeowners Insurance Policy?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[9895,23,401],"class_list":["post-896741","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage","tag-water-infiltration","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is All Damage Caused By Sewage or Water Infiltration Excluded By My Homeowners Insurance Policy? 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