Christine G. Barlow, CPCU Executive Editor FC&S

What does the insurance industry mean by the term “surface water?” Where does a public adjuster find insurance industry information about a term of art in an insurance policy? There are a number of insurance industry sources that should be regularly used for reference and read by property insurance professionals to keep up on new information.

One is the FC&S, which is now part of ALM’s PropertyCasaulty360. An article they posted, Water Backup Is Not Surface Water, posed a situation where a carrier was denying a water damage claim where the policy contained a water backup endorsement. The policy stated it would pay for: