Which exclusion category includes a flood exclusion that applies even if flood results from a covered peril?

Which exclusion category includes a flood exclusion that applies even if flood results from a covered peril?

• A. Water
• B. Earth movement
• C. Nuclear hazard
• D. War and military action

Answer: (A)

Exclusions are grouped by category, and flood-related exclusions live under the Water category. A flood exclusion is designed to deny coverage for damage caused by flooding, and in many policies it remains in effect even if the flood is triggered by a peril that would otherwise be covered (for example, a burst pipe). That means flood damage is excluded regardless of the cause, which is the hallmark of the Water category. The other categories cover different hazards—earth movement handles damage from earthquakes or landslides, nuclear hazard covers radioactive contamination, and war/military action excludes damage related to war. None of those categories specifically describe a flood exclusion that stays in effect no matter the flood’s origin, so they’re not the correct category.

Exclusions are grouped by category, and flood-related exclusions live under the Water category. A flood exclusion is designed to deny coverage for damage caused by flooding, and in many policies it remains in effect even if the flood is triggered by a peril that would otherwise be covered (for example, a burst pipe). That means flood damage is excluded regardless of the cause, which is the hallmark of the Water category. The other categories cover different hazards—earth movement handles damage from earthquakes or landslides, nuclear hazard covers radioactive contamination, and war/military action excludes damage related to war. None of those categories specifically describe a flood exclusion that stays in effect no matter the flood’s origin, so they’re not the correct category.