The LGPIF form now excludes loss from Flood, water below ground, back up of sewers and drains outside of the building.
Coverage is now excluded:
- If you are in a flood zone as defined by FEMA, National Flood Insurance Program (NFIP) – Flood Insurance Rate Maps (FIRM)
- If water below ground exerts pressure on or flows into your facility
- If sewer, septic system, and storm or sewer drains outside your building overflow and the water enters your building from a source other than your drains
At R&R Insurance, we have the ability to help you evaluate your exposure. We know how to research and read the NFIP – FIRM data. We can help you understand your exposure and offer alternative solutions. Please contact me to see if your building is in a flood zone.
- Restrictions on Surface Water Coverage
- Reduction in Ordinance and Law Coverage
- Addition of an Anti-Concurrent Causation Coverage Restriction
