Insurance
Feb. 21, 2024
It’s raining, it’s pouring, your insurance policy clause is controlling
Most insurance documents explain how standard homeowners policies in California exclude losses caused by floods or earth movement, but relief may be still sought if another covered risk is the efficient proximate cause of the loss.
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Data shows a trend indicating a growth in the intensity of rainstorms.
For example, a 2008 article "Flood Fatalities in the United States," published under the auspices of the American Meteorological Society (https://journals.ametsoc.org/view/journals/apme/47/3/2007jamc1611.1.xml ) noted that: "According to a recent National W...