Quote of the Day - Life is like a sewer... what you get out of it depends on what you put into it.
Some insurance companies believed it wasn't so. Rarely will MIPTC point out the mistakes of insurance companies (tongue planted firmly in cheek here), but this new case is especially welcome since this insurance company denied a claim on the basis that sewage wasn't a pollutant.
The pollution exclusion in insurance policies is used as a shield to deflect many claims, but sewage will no longer be one of them. Insurance companies don't want to pay your claim, they want you to buy more coverage instead.
In some circumstances, pollution insurance is a worthwhile purchase. But when you've already paid for it, you shouldn't have to buy it again.
Now, if sewage is in the picture you won't have to.