Panel: Insureds’ Damage Caused By Surface Water Barred From Coverage

Mealey's (October 30, 2015, 12:37 PM EDT) -- HOUSTON — A homeowners insurance policy’s water damage exclusion precludes coverage for damage to insureds’ home caused by surface water, a Texas appeals panel affirmed Oct. 29 (Peter Tsai and Barbara Tsai v. Liberty Mutual Insurance Co., No. 01-14-00677-CV, Texas App., 1st Dist.; 2015 Tex. App. LEXIS 11147).

(Memorandum opinion available. Document #69-151204-003Z.)

In 2006, Peter and Barbara Tsai purchased their home in a residential gated community. In March 2012, the Tsais noticed alleged “ridges” on the wood floors in the living room of their home....
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