Court Upholds Provisions of Homeowners Policy Excluding Coverage for Flood Damage

摘要

The provisions of a homeowners insurance policy excluding coverage for flood damage are valid and enforceable, the U.S. District Court for the Southern District of Mississippi, Southern Division, ruled in a case involving a home damaged by Hurricane Katrina. (Leonard v. Nationwide Mutual Insurance Company, Civil Action No. 1:05CV475 LTS-RHW, August 15, 2006) Paul and Julie Leonard insured their home with Nationwide Mutual Insurance Company under a policy obtained through Nationwide representative Jay Fletcher. The policy covered damage from wind, but excluded coverage of losses "resulting directly or indirectly" from flooding, "even if another peril or event contributed concurrently or in any sequence to cause the loss."