Coverage For Water Back Ups and Overflows

1) overflow and backup coverage scenarios
a) localized clogs
b) municipal problems
2) policy language
a) accidental discharge peril
b) water back up exclusion
3) court coverage Interpretations
a) majority view
b) minority view
4) water back up defined
a) accumulation due to
stoppage
b) to move or go backward
5) example: clog in sewer line in yard
6) Quiz – Reinforcing Part 1 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80%
score on first
quiz

1) water removal
a) water defined
b) water removal systems
2) private systems
a) septic systems
b) septic tanks
c) storm water system
d) coverage scenario
3) groundwater and septic losses
a) ground water principles
i) surface water
ii)
underground water
b) common loss scenarios
i)
physical loss
ii)
water below the surface exclusion
iii)
neglect/negligence
iv)
defect in plumbing system
v)
wear and tear
vi)
causation analysis
4) Quiz – Reinforcing Part 2 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80%
score on first quiz

1) municipal systems
a) combined systems
b) separated systems
2) combined systems and coverage
a) why do they exist
b) back up problems
c) underwriting response
d) back up as an “explosion”
e) back flow prevention
3) separated systems and coverage
4) Quiz – Reinforcing Part 3 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80%
score on first quiz

1) Carolina Mills v. World Fire
     a) facts
     b) internal v. external
plumbing
     c) proximate cause
     d) coverage interpretation
2) Penn America v. Mike’s Tailoring
     a) facts
     b) off premises sewage
     c) coverage interpretation
3) Aetna v. Crawley
     a) facts
     b) back up defined
     c) coverage interpretation
4) Thompson v. Genis Building
     a) facts
     b) plumbing system defined
          i)
sewer line
          ii)
gutter
          iii)
downspout
          iv)
newer policy language
     c) back up defined
5) Newlo Realty v. USF&G
     a) blocked sink
     b) natural disaster limitation
discussed
     c) drain defined
6) Quiz – Reinforcing Part 4 materials
     a) 5 multiple choice questions
     b) 4 choices per question
     c) A second quiz if less than 80%
score on first quiz

1) water defined
a) fecal matter as water
b) Citrano v. Hingham Mutual
c) policy language
2) origin of water and defect
a) policy language
b) case law
c) cause of municipal problem
i) storm water
ii)
Other blockage
iii)
case comparison
d) example coverage scenarios
i)
water treatment plant
ii)
municipal line
iii)
neighboring property
iv)
public right of way
v)
insured’s property
3) enters without consent
i)
source of water
ii)
direction of flow
4) elements of back up defense
5) Quiz – Reinforcing Part 5 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80%
score on first quiz