Check the wording of your home insurance policy as not all policies exclude coverage for floods entering a house from the outside. Last month I wrote about a $2-million claim for catastrophic water damage submitted to their insurance company by Hassan Hojjatian and Mitra Kerman in 2011. Axa Insurance and the court denied the claim on the basis that the policy excluded cover for damage by ground water or surface water. Wight had a comprehensive insurance policy with Peel Mutual Insurance Company. The exclusions for ground water and surface water, he wrote, did not apply since the water from the dam was neither ground water nor surface water.

Source: The Star March 11, 2017 11:37 UTC