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Hurricane Sandy Aftermath

By John N. Ellison and Lauren A. Angelucci
December 24, 2013

Superstorm Sandy, and its unprecedented storm surge, caused extensive property damage and ravaged the lives of countless homeowners and business owners along the East Coast. As those affected still try to pick up the pieces, many are looking to their property insurers, only to be turned away and told that their loss is not covered because “flood” is an excluded peril. Although policyholders may feel hopeless, there are three distinct yet related positions that policyholders may be able to pursue in order to obtain coverage for the extensive damage that their properties endured.

1. Flood Exclusion Is Inapplicable

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