Section 4.120 Water Exclusion

• Library: Insurance Practice 2015

Damages caused by, resulting from, contributing to, or aggravated by flood, surface water, waves, overflow of streams, water that backs up through sewers or drains, or water below the surface of the ground that exerts pressure and seeps or leaks into the property are usually not covered. The exclusion for losses caused by flood and surface water was upheld in Madison Block Pharmacy, Inc. v. United States Fidelity & Guaranty Co., 620 S.W.2d 343 (Mo. banc 1981). See §4.116, supra. When the policy covers...