A first-party property insurance policy containing both specified perils or multiperils coverages, and specified perils or multiperils exclusions, if you will, was not rendered ambiguous as a result, in Comley v. Auto-Owners Ins. Co., NO. 2016-CA-001305-MR, 2017 WL 4448528 (Ky. Ct. App. October 6, 2017; Stated Not Final And Not to be Cited As Authority in Kentucky Courts).
The facts of that case center around a water main outside the plaintiff's property. The water main broke and inundated plaintiff's-policyholder's house and personal property with damage. Kentucky's intermediate appellate court held that the water damage exclusion for a "flood" did not require natural causes in order for the exclusion to apply.
Accordingly, the policy at bar was not ambiguous and the policyholder's claimed damage was excluded "water damage," the Kentucky Court of Appeals held in that case.
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