The New Jersey Appellate Division has affirmed summary judgment for defendant-insurers Chubb Insurance and its member company Federal Insurance, upholding the flood damage exclusion in the policies of two plaintiff-insureds. Doerfler v. Federal Insurance Company arose in the wake of Superstorm Sandy, which caused the insureds’ Mantoloking, NJ homes to collapse in 2013. Both policies excluded coverage for flood damage and contained a notification page delineating the “surface water exclusion.” The exclusion specifically encompassed water damage “driven by wind.” The insureds procured additional flood insurance policies from Fidelity National Indemnity Insurance Company. Adjusters on behalf of Chubb and Federal Insurance
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