Whose Water Is It? When a Pipe Break Gets Called a Flood
A Penfield condo owner’s insurer refused a water-main-break claim as “flood damage” — but courts have long held that water inside a pipe isn’t surface water. The catch: carriers rewrote the exclusion, the pipe’s burial depth matters, and the route the water traveled can decide the claim. For restorers, the name given to the water is the coverage fight, so document the source like the job depends on it.








