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Who is Liable for Flooding of Adjacent and Nearby Properties? - Insurance Coverage

Insurance Coverage


Posted on: Aug 16, 2018

From JD Supra:

The rains over the past few months of summer piqued the curiosity of some Maryland property owners who now would like to know if: (1) neighbors are liable for flood damage to adjacent or nearby properties, and (2) they are able to redirect water from their properties when doing so adversely impacts other properties. Much of Maryland experienced record-breaking levels of rainfall over the course of the summer. While the rains may have caused certain crops to flourish, the deluge also wrought havoc by flooding fields, yards and basements. Some affected property owners, often those either uninsured or underinsured for such events, are now inquiring who is liable for flood damage caused by water runoff from one property onto another, and whether they are able to redirect water from their properties to prevent future damage.

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