{"id":903502,"date":"2024-10-30T14:55:20","date_gmt":"2024-10-30T20:55:20","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903502"},"modified":"2024-10-30T14:55:22","modified_gmt":"2024-10-30T20:55:22","slug":"flood-exclusion-inapplicable-to-plumbing-leaks-caused-by-hurricane-rainfall","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/flood-exclusion-inapplicable-to-plumbing-leaks-caused-by-hurricane-rainfall\/","title":{"rendered":"A Win for Policyholders: Court Finds Flood Exclusion Inapplicable to Plumbing Leaks Caused by Hurricane Rainfall"},"content":{"rendered":"\n<p>Kelly A. Johnson and Damian S. Barquin | <a href=\"https:\/\/www.sdvlaw.com\/insights\/a-win-for-new-jersey-policyholders\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SDV Insights<\/a><\/p>\n\n\n\n<p>A recent decision by a federal court helps clear the path to coverage for property owners this hurricane season. The Court deemed one property policy\u2019s <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/flood-exclusions-after-wind-storm\/\">flood exclusion<\/a> inapplicable to bar coverage for water damage from backed-up drainage and overflow caused by excessive rainfall. The case, styled\u00a0G.E.M.S. Partners LLC v. AmGUARD Ins. Co., \u2014 F.Supp. 3d \u2014, No. CV 22-1664, 2024 WL 3568932 (D.N.J. July 29, 2024)), involved a familiar dispute between the insured and insurer following damage to covered property after a named storm\u2019s heavy rainfall.<\/p>\n\n\n\n<p>Here, G.E.M.S. Partners LLC (\u201cInsured\u201d) obtained a commercial property policy from AmGUARD Insurance Company (\u201cAmGUARD\u201d) to cover three neighboring buildings in Union, New Jersey. In September 2021, intense rainfall from Hurricane Ida overwhelmed the local infrastructure and sewer system, leading to water leakage from plumbing fixtures at the insured property. To secure coverage under its AmGUARD policy, the Insured wisely relied on its \u201cWater Back-Up and Sump Overflow Endorsement\u201d (\u201cBack-Up\/Overflow Endorsement\u201d). Under this endorsement, AmGUARD promised to \u201cpay for &#8230; damage &#8230; caused by &#8230; water &#8230; which backs up through or overflows or is otherwise discharged from a sewer.\u201d<sup>1<\/sup>&nbsp; Indeed, a plumber that inspected the buildings following Hurricane Ida described the root cause of the water damage as a \u201cback up\u201d of \u201csewer &#8230; water.\u201d<sup>2<\/sup><\/p>\n\n\n\n<p>After concluding its investigation of the claim, AmGUARD issued a declination of coverage, asserting that notwithstanding the policy\u2019s Back-Up\/Overflow Endorsement, coverage for the claim was nevertheless barred by the policy\u2019s flood exclusion (\u201cFlood Exclusion\u201d). AmGUARD maintained that \u201cany backup of sewer water was caused, at least in part, by the rain that lashed Union during the hurricane and then overwhelmed the city\u2019s drainage system.\u201d<sup>3<\/sup>&nbsp; The Flood Exclusion, whose exact syntax proved consequential to the District Court\u2019s ultimate decision, stated:<\/p>\n\n\n\n<p>THIS IS NOT FLOOD INSURANCE. We will not pay for loss or damage from water or other materials that back up or overflow from any sewer, drain or sump that itself is caused, directly or indirectly, in whole or in part, by any flood.&nbsp;<strong>Flood means the overflow of<\/strong>&nbsp;surface water, waves, tides, tidal waves, streams,&nbsp;<strong>or other bodies of water,<\/strong>&nbsp;or their spray, all whether driven by wind or not.<sup>4<\/sup><\/p>\n\n\n\n<p>The most material element of the Flood Exclusion was its express definition of \u201cflood.\u201d A plain reading of this definition, according to the District Court, implied that \u201cflood\u201d means \u201cthe overflow of \u2026 a bod[y] of water,\u201d which is separate and distinct from an overflow from a&nbsp;<em>sewer system<\/em>, which followed Hurricane Ida. The District Court determined that an overflow from a sewer system is not a \u201cbody of water,\u201d<sup>5<\/sup>&nbsp; under the plain meaning of&nbsp;<em>that&nbsp;<\/em>phrase, thereby removing this loss from the scope of the Flood Exclusion.<\/p>\n\n\n\n<p>Pushing back on that interpretation of \u201cflood,\u201d AmGUARD relied on&nbsp;Villamil v. Sentinel Ins. Co., Ltd., 365 F.Supp.3d 418 (D.N.J. 2018), arguing the District Court interpreted policy language that was \u201cpractically verbatim\u201d to the Flood Exclusion and should thus come to the same conclusion here . However, the District Court distinguished the language of the flood exclusion in&nbsp;Villamil&nbsp;from the Flood Exclusion in the Insured\u2019s policy. In the&nbsp;<em>Villamil<\/em>&nbsp;policy, \u201cflood\u201d was defined to \u201c<strong>include the accumulation of surface water<\/strong>, &#8230;&nbsp;<strong>[or the] overflow of<\/strong>&nbsp;streams or other&nbsp;<strong>bodies of water<\/strong>[.]\u201d<sup>6<\/sup>&nbsp; The court reasoned that under this more expansive definition of \u201cflood,\u201d at least two distinct types of activity could be classified as a \u201cflood\u201d for purposes of activating the flood exclusion: an &#8220;overflow of&#8230; bodies of water,&#8221;&nbsp;<em>and also<\/em>&nbsp;&#8220;the accumulation of surface water,&#8221;<sup>7<\/sup>&nbsp; the latter of which could include the buildup of rainwater in something like a sewer system.&nbsp;<\/p>\n\n\n\n<p>The Court explained that this more expansive definition of \u201cflood\u201d present in&nbsp;Villamil&nbsp;was not included in the AmGUARD policy. Therefore, the District Court ruled that an overflow of a sewer back up system, which is&nbsp;<em>not&nbsp;<\/em>a body of water, could not be classified as a \u201cflood\u201d such that the policy\u2019s Flood Exclusion did not apply.<\/p>\n\n\n\n<p>Accordingly, policyholders must take special note of the definition of \u201cflood\u201d in their property insurance policies. As is evident from the nuanced differences in the definitions in this case and in\u00a0Villamil, not all Flood Exclusions are created equally.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><br><sup>1<\/sup>G.E.M.S. Partners LLC v. AmGUARD Ins. Co., \u2014 F.Supp. 3d \u2014, , 2024 WL 3568932, at *1 (D.N.J. July 29, 2024).<br><sup>2<\/sup>Id.<br><sup>3<\/sup>Id.<br><sup>4<\/sup>Id.<br><sup>5<\/sup>Id. at *3.<br><sup>6<\/sup>Villamil v. Sentinel Ins. Co., Ltd., 365 F.Supp.3d 418, 420 (D.N.J. 2018).<br><sup>7<\/sup>Id. at 426-27.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kelly A. Johnson and Damian S. Barquin | SDV Insights A recent decision by a federal court helps clear the path to coverage for property owners this hurricane season. The Court deemed one property policy\u2019s flood exclusion inapplicable to bar coverage for water damage from backed-up drainage and overflow caused by excessive rainfall. The case,&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/flood-exclusion-inapplicable-to-plumbing-leaks-caused-by-hurricane-rainfall\/\">Continue reading <span class=\"screen-reader-text\">A Win for Policyholders: Court Finds Flood Exclusion Inapplicable to Plumbing Leaks Caused by Hurricane Rainfall<\/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":[10721],"tags":[9895,11513,22],"class_list":["post-903502","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-flood-exclusions","tag-insurance","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>A Win for Policyholders: Court Finds Flood Exclusion Inapplicable to Plumbing Leaks Caused by Hurricane Rainfall - Advise &amp; 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