Under Flood Policy, Land is Not Considered Insured Property

Originally published by Robert Trautmann.

Floods do all sorts of damage. One aspect of damage often overlooked is when the flood removes property from one property owner’s land and deposits it on another’s land. Depending on where your property is located and the severity of the flood event, the debris on the policyholder’s property can be extensive and expensive to clean up. The question naturally becomes, is this a covered loss under the Standard Flood Insurance Policy?
A quick review of the policy would suggest yes. However, case law shows that is not always the situation. The Standard Flood Insurance Policy states “[w]e will pay the expense to remove non-owned debris that is on or in insured property and debris of insured property anywhere.” The policy delineates between debris that originated on the policyholder’s property and debris that does not. There is no question that the removal of debris owned by the policyholder is covered anywhere. The issue here is when will the policy cover…

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