Water Exclusion Clause

What is ‘Water Exclusion Clause ‘

There is a provision in a homeowner’s or renter’s insurance policy that prohibits coverage for certain water-related claims. A water exclusion clause is most likely to apply to water damage caused by flood, tsunami, standing water, groundwater, and drain/sewage backup, among other types of water damage. Some forms of excluded water damage may be insured by buying a rider, but others are either not covered at all or can only be covered by obtaining a separate insurance from the primary policy.

Explaining ‘Water Exclusion Clause’

There are various different sorts of exclusion clauses that may be found in homeowners’ and renters’ insurance plans, and water damage is one of them. earthquakes, landslides, war, nuclear dangers, and government action are all examples of exclusions from the insurance policy. Fire, wind, hail, car damage, vandalism, theft, and falling items are just a few of the types of losses that are typically covered by most insurance plans, among other things.

Water Exclusion Clause FAQ

Is ground water covered by insurance?

Water entering the earth at or below the surface of the ground is not covered by homeowner's insurance policy. The basic line is that if water enters a property at or below ground level, the damage will not be covered under the insurance policy.

What is limited water damage coverage?

This limit applies to direct physical damage caused by a sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system, or from within a household appliance, and does not apply to indirect physical damage.

What is excluded from flood insurance?

Trees, plants, wells, septic systems, pathways, decks, patios, fences, seawalls, hot tubs, and swimming pools are examples of property and possessions that are not included inside an insured structure. Money, precious metals, and valuable paperwork, such as stock certificates, are all examples of valuables. The majority of self-propelled vehicles, such as automobiles, as well as their components.

Further Reading

    • Are the debates on water privatization missing the point? Experiences from Africa, Asia and Latin America – journals.sagepub.com [PDF]
    • … of Proximate Cause Principle in the Existence of Inserted Cause—Reflection on Insurance Claim Dispute over Engine Damage Caused by Water Infiltration of Insured … – en.cnki.com.cn [PDF]
    • The Right2Water Initiative: the human right to water in the EU among social sustainability, vulnerable groups and exclusion of management benefit – www.openstarts.units.it [PDF]
    • Water justice in South Africa: natural resources policy at the intersection of human rights, economics, and political power – heinonline.org [PDF]
    • Claiming space, claiming water: Contested legal geographies of water in South Texas – www.tandfonline.com [PDF]
    • Evolving water institutions in England and Wales: An assessment of two decades of experience – www.jstor.org [PDF]
    • Assessing side-payment and cost-sharing patterns in international water agreements: The geographic and economic connection – www.sciencedirect.com [PDF]
    • Problems with private water concessions: a review of experiences and analysis of dynamics – iahr.tandfonline.com [PDF]