Declarations, Insuring Agreement, Conditions, Endorsements, Exclusions, Miscellaneous Provisions. Additionally there are actually different types of Exclusions. I do not at this moment know their “official titles” as likely defined by lawyers; but they fall into the categories of Exclusions and Conditional Exclusions which I call (maybe excluded or maybe covered). I consider things listed under section 1 exclusions as absolutely excluded and section 2 exclusions as maybe excluded or covered. This would be in the case of when proximate cause can overrule concurrent causation language. Example an absolute exclusion such as flooding occurs at the same time wind damage occurs. With concurrent causation language you would have no coverage at all because flood requires an NFIP policy. Whereas if you have a burst water pipe where the pipes run through the walls it is covered. But if an exclusion for water coming up through the home foundation occurs how can that exclusion apply? Well if the water going through the foundation is rising water then it would ave to be covered either by sump pump and sewer backup coverage or flood insurance. But what IF the rising water coming thru the foundation is caused by a burst pipe? What is the difference between a pipe that bursts in the wall or ceiling versus a pvc pipe that runs thru the bottom of the foundation? It is still a burst pipe. So it should be covered. Well then why does Allstate and State Farm deny coverage based on the rising water exclusion? In order to save money!

Thanks for the nice comments. Your input is encouraged on this website.

Good for you.

-RP