The answer is whatever the language precisely states in the Insurance Contract. It may state act of God or man made etc etc but what you or I believe or think is fair is of little consequence. About the only thing I recall way back in Law School about Insurance was that THE LANGUAGE CONTROLS and if something in particular is not mentioned as being covered THEN IT ISNT as a matter of strict interpretation. If the language simply covers floods and doesnt distinguish or care the cause of such, my "guess" would be one is covered REGARDLESS if man or God caused the same.
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Today's Featured Article - Gatherin of the Orange - by Rick Nikolich. In July of 1998 I was talking to fellow Allis Chalmers collector Mike Schilling about the annual "Gathering of The Orange" AC show coming up in August of 1999. He got this wild idea that we should get a convoy of AC tractors and drive them from Charlotte, Michigan 105 miles to LaGrange, Indiana.
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