Insurance is always about the ‘legal’ definitions and preciseness of cover.
Flood being defined ‘as the covering of normally dry land by water that has escaped directly from a lake, creek, dam or river‘. In other words, water damage not caused by storms or heavy rains which may block and back fill storm water drains and gutters and subsequently spill or overflow into the construction site.
Therefore in the event of heavy weather events such as rains, wind and storms, and these events block or overfill roadways, drains and gutters, and subsequently inundate (flood) a construction site, our clients are covered and insured.
However should lake, creek, dam or river water overflow and spill directly across a reserve or parkland and then across roadway or path and then enter a construction site, then this is Flood.