Property insurance: flood and causation

Australian property policies insuring against flood have long contained limits on recovery, often in the form of a full exclusion, for floods in the form of water overflowing from watercourses, lakes, etc. Landel Pty Ltd v Insurance Australia Ltd [2021] QSC 247, decided by Dalton J in the Queensland Supreme Court, is the most recent authority on this wording. The case also discusses causation issues.

Landel : the insurance and the loss